vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
This company owes me {$74.00} and refusing to refund me for a Product I returned

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXs n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXm XXXX  now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2022 I recieved a security alert with XXXX about a recent credit application with Truist. I have no idea who they are or why they pulled my credit for an account. I called and spoke with several individuals who will not pass me over to a manager because they couldn't speak. I was on the phone for over an hour getting the run around and asking me they could not help me because i did not have my account number or card number to identify my account/I had already told them I have not applied for any accounts with this bank-He said no one can help me and for me to go straight into a bank -these people who are working for this company lack customer service and urgency ridiculous

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Ealy XX/XX/2022 Wells Fargo and my spouse and I signed into a locked interest rate of 2.75 % on a refinance of an existing mortgage with Wells Fargo. We started the refinance process and it became clear that they were very disorganized and mishandled documentation. They would ask for the exact same document over 6 times ( each time I sent it ) and they received it on their end. A few days later they asked for the same document again. I resent it and they received it. They repeatedly told me they had everything and then a few days would pass and they would ask for the same document as previous. When I asked them why, they stated the bottom right corner was cut off of a page that had inscribed " this page is intentional left blank ''. They asked for one of 8 bank accounts to be resent 6 times but did not ask to resend any of the other bank accounts. They asked for one of many investment accounts to be resent, 4 times but did not ask for the other investment accounts to be resent. 

My suspicion is that they are trying to back out of the low interest rate lock in that we signed into. They are very sloppy in handling our documentation and are disorganized in communications with us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX and trans union are reporting a debt collection but both have different open account dates.Thats not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX has constantly published incorrect data on my personal consumer credit report in error. I have made experian the company that is reporting false information aware of the problem and they keep changing the information around as long as it has some negative connotation. I have several copies of my experian report ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) over the last few years where the company has posted so many different variation of similar information. In my last letter to experian Ive requested that they send me a description of the procedure used in the reinvestigation, as far as I know they should complete my request within 15 days. Would the CFPB please insure that the consumer reporting company experian send me that explanation defining the procedure used in a timely manner. It was sent certified mail " XXXX XXXX XXXX XXXX XXXX '', on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XXXX of XXXX  I gave a large deposit down on three appliances I was ordering using this credit card, the XXXX  XXXX credit card. I also purchased one of the appliances outright with a credit I was given by the store for a range that broke down during warranty. I was led to believe, at first, that the range would be in within a reasonable amount time, although I know there was a delay. It turns out that to this day, I never received the range. Also at the time, the salesman charged me {$450.00} for an extended warranty on the range which didnt ' really make sense since he had no idea when the range was going to come in. Why charge a customer upfront for a warranty? Id didn't have enough on my store credit for the range plus a warranty of this amount, so the warranty ended up on my XXXX XXXX credit card. I never should have allowed him to do this. I spoke with a supervisor several times after about this. He is aware. They kept telling me that the range was coming in and to hold off and it never did. The supervisor let me to believe he would remove the warranty fee and then never did. He is now ignoring me and refusing to return my phone calls. Is this some kind of joke? A huge store like this? Are they kidding me? Why would I pay almost {$500.00} for a warranty on an appliance I never received. I protested this on my credit card back in the fall and I lost the protest as the store fought it as a valid charge! I protested it again and I this time asked for the protest to be removed because the supervisor told me the range was coming in soon. It never did! This is a joke at this point. Now I am protesting it again and I have no idea if this bank is going to remove the charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase sent my property and school tax payments to the wrong address and collection office resulting in my taxes being delinquent. I had spoken to XXXX XXXX in their executive office at XXXX. She advised it would be taken care of and I received a letter from Chase stating the payment was sent. However I received a letter on XXXX from my local tax bureau sending my delinquent payment to collections stating they havent received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2022 I recieved a security alert with Experian about a recent credit application with XXXX. I have no idea who they are or why they pulled my credit for an account. I called and spoke with several individuals who will not pass me over to a manager because they couldn't speak. I was on the phone for over an hour getting the run around and asking me they could not help me because i did not have my account number or card number to identify my account/I had already told them I have not applied for any accounts with this bank-He said no one can help me and for me to go straight into a bank -these people who are working for this company lack customer service and urgency ridiculous

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Finance has been unwilling to correct this and remove the 30 day late from my credit reports. 

I am writing to you in regards to a payment that was made on my account on XX/XX/2022. I paid the minimum due via my mobile App but somehow there was a shortfall of XXXX that was carried over to XXXX and this caused my account to be delinquent. Now because of this ; my account has been reported 30 days late to each of the three Credit Reporting agencies. 

It wasnt until XXXX when I was contacted via the Credit reports that I knew there was a problem. I would have happily taken care of this much earlier had someone brought it to my attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Sir/ Madam, My hardship began after moving back to states in XX/XX/XXXX with our XXXX children and husband. My husband was employed overseas for almost decade but faced health issues upon arrival to the states. I was not working for 10 years ( raising our children and supporting my husband ) and with my husband not being able to find work related to his field and having XXXX XXXX- I secured a job to make sure that we had control of our finances. Up until moving to the states, my husband income was enough where we were able to pay our mortgage, and 6 credit cards on time. From the time that I started working I able to continue maintenance of all our debt. Its was not until XXXX of XXXX that my company started laying off their employees. I survived the many waives of reduction in force- however there was a reduction in loan volume and ultimately a reduction in the bonus and commission. My income had significantly reduced and It started to become really difficult juggling all our debt in a timely fashion and still put food on the table while keeping our lights on. I reached out to my credit card companies and explained my situation. I had 3 accounts with XXXX and after a few calls they quickly worked out a plan where they reduced my interest to 0 % for 5 years and a low payment plan to be paid automatically. I called up my mortgage company and they paused my mortgage because my hardship was COVID related. I had no success with Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I already submittted complaint ( XXXX to CFPB and the company said they closed my account and ( I was paid in full ) I received letter form them indicating my account my still open and had a balance. I called them and they were not helpful

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
Alleged payday loan that I took out at an undisclosed date. XXXX XXXX is the alleged debt collection agency that " CHECKINTOCASH '' ( https : //checkintocash.com/ ) sold my account to.

When I look up their phone number online, it comes up as a reported payday loan scam. There is also nothing on XXXX that comes up about XXXX XXXX. 

They have a 10 year old address on file and did not call ME, but my old roommate. And left a voicemail saying they were going to garnish wages. I asked to please have formal mail correspondence sent to my current address for review and they refused and offered to email it to me only. They are rude and cut me off and don't let me ask questions, just how I wanted to resolve the debt. 

I do not trust that this is a legitimate debt. I called Checkin To Cash and they have no records of this. It is also not on any of my 3 credit reports.

Please help me validate the scam.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
Account opened XX/XX/2017, current outstanding balance {$5900.00}. This account was opened without my consent and Ive mentioned this to the company a few times. I believe someone deliberately obtained my information and used it to obtain the card for purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX The credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My old company XXXX XXXX had all of my correct information my married name, current address, correct email and phone number my loans were to be transferred the end of XXXX to a new loan servicer NelNet. However once it was transferred all of my information was transferred incorrectly. NelNet had my maiden name, and the remaining information ( address, email and phone number ) was all of my parents information. I ended up needing to call to get my last name corrected and needing to send in more information for them to update my last name though it was correct on my old loan servicer. I also needed to update my address, email and phone number which was also done during the same call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
City Bank, for Best Buy ; this Company went into my checking account and took money out for a payment I did not authorize and they kept my banking information without my permission they stole money from me and my checking account was overdrawn for XXXX Dollars so they stole my information they need to be investigated for embezzlement and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief