vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XXXX I sent a letter regarding the unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage of since my disputes ive been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong people.

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 2022-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied HELOC application on XX/XX/22. First decision made on XX/XX/22 was not capturing all my incomes so I requested 2nd review with additional documents they requested to included all income source I was claiming. Since then, they are delaying 2nd review even after multiple contact I made to their officer. Now they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I charged {$2100.00} to my Discover Card, payable to the TXXXX XXXX XXXX XXXX XXXX XXXX XXXXn XXXX, CO, after signing a contract with XXXX  on XX/XX/21 to eliminate a timeshare on which I am still currently paying maintenance fees. I called XXXX numerous times to determine the status of my contract with them, and finally was notified that the XXXX phone number was " disconnected ''. Emails to XXXX were returned, and their Web Site was no longer available. Finally after checking with the XXXX XXXX XXXX, I found a XXXX XXXX XXXX article that XXXX  was no longer in business and that customers were attempting to get their money back from that contract. I believe that the article mentioned that the Colorado Attorney General was investigating. 

On XX/XX/21 I received a " Notice of Chapter XXXX Bankruptcy XXXX... '' from the US Bankruptcy Court, US Custom House, XXXX XXXX XXXX, XXXX, CO XXXX, a notice that bankruptcy was file with the Bankruptcy Clerk on XX/XX/21. No services of any type were ever received from XXXX between signing of the contract and notice of the bankruptcy. 

I immediately notified Discover Card disputing the charge, and requested that this charge be eliminated, and my funds returned, all on Discover 's Online complaint Site. Initially Discover returned the {$2100.00}, but after an investigation, with a letter to me on XX/XX/21 Discover returned the charge to my card, with no explanation as to why the charge was found " to be not valid. '' On XX/XX/21 I sent a letter to Discover requesting that Discover reconsider my dispute, based upon an inability to reach XXXX through any means, and receipt of the Bankruptcy notice, a copy of which I submitted to Discover. 

I then received a subsequent letter from Discover Card that reasons for the return of the charges to my Discover account would be mailed. 

To date, nothing further was ever received from Discover. There has been no notice to me of a reconsideration of my dispute with Discover, nor a reason why there has been never been a reconsideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I would like to obtain assistance in learning how U.S.Bank operate. I applied for a modification of my HELOC in XXXX of XXXX which was never approved and was told no payment would be due in XXXX of XXXX because the loan had matured. Now it is now XXXX of XXXX and U.S.Bank is still constantly providing incorrect information. XXXX of XXXX I requested a refinance of the Mortgage. I was provided information for the closing and was told I could select the title company. When I spoke the loan XXXX I was told they could not due the refinance and was not given explanation. I did submit the complaint to you. When I inquired about the response from U.S.Bank I was provided a number to otain the information from U.S. Bank. In viewing U.S.Bank 's response they stated I requested CASH OUT which was not true. Presently, U.S.Bank is still very confusing to me as a CONSUMER by sending me a letter dated XX/XX/XXXX and receiving notice from U.S.Bank 's legal Council dated XX/XX/XXXX regarding FORECLOSURE. I definitely need help in understanding how U.S. Bank service 'CONSUMERS ' This is ordeal is basically interfering with my HEALTH!!!!

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 2022-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I attempted to ask for a temporary forbearance for my XXXX payment via email and over the phone and was denied. 

I have medical bills and dental bills that need to be paid before my student loan payment. I will not have the payment amount needed to pay for XXXX 's payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AK

Complaint narrative:
This is now my second complaint with Carrington Mortgage services which was XXXX. This complaint was finally addressed and I was made successor in interest. Since that time I've been attempting to assume my mothers loan with Carrington ( XXXX XXXX XXXX # : XXXX ). The last thing we are waiting on is for probate to close in XXXX XXXX so the new title can be issued in accordance with my mother 's will. I've informed Carrington that the delay is with the courts, and I offered to have a letter from our probate lawyer to verify that is indeed the case. It seems that even with a " cloudy title '' as they themselves have described it, they've decided its okay to now start the foreclosure proceedings. Every rep this year has told me something different and at this point I have no clue what I need to do to assume my mother 's loan. Which was over a year ago now as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX/ {$140000.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi my name is XXXX XXXX I had an account with us bank Me and my wife worked at the same company my company sent money to my account like they always did for my work which was XXXX the bank thought it was fraud and it wasn't my employer verified the bank was suppose to send the money back to my employer so he can redirect it to me this was way back in 2019 my employer still claim the bank never sent him back the funds and the bank refused to give me any kind of proof where they sent money all they do is claim it was sent back that's a lot of money I ask for proof they won't never give me proof and talk nasty to me the lady at the bank was nasty at me treated me bad told me not to come back in someone did something with the funds they never sent it back my employer would not lie the bank branch address is XXXX XXXX XXXX XXXX XXXX XXXX California XXXX could you guys write them and see why it they are not helping m we find out where they actually sent the money to and if they did it's XXXX $ of my hard earn money they just took and never sent back I put the email from employer stating they never received the money back instead of dodging me or not helping can you write them and also send a letter to there corporate office

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 2022-04-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im writing this complaint because I have been denied my right to know the details of the investigation performed for me against the alleged creditors in question. Please have these companies provide me : 1. The name of the original creditor 2. The creditors ' address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute

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 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
Failure to protect my personal information, putting me at risk of credit and identity theft for the rest of my life. I have been very careful with my personal information otherwise and shouldn't be punished with the looming threat of identity/credit theft for their lack of security.

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 2022-04-07 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: CT

Complaint narrative:
In XXXX I got XXXX timeshares with XXXX XXXX, I became unable to maintain this account and got notice that the properties was going to beforeclosed. And that I had a chance to surrender it, so in XXXX I surrendered the properties back to the resort. Since then I have fought to remove this off my credit report its 10 years later. The originator collector was XXXX and over time they have given this account to different collections agencies and saying that it originated in what ever year it is which is not true so right now it is with Meridian and I have disputed this over and over. Please help me remove this problem, I have all email correspondence from XXXX. Each listing is thousands, how is it if you surrendered it back to the resort years ago that you still are fighting years ago. XXXX XXXX XXXX Last reported XX/XX/XXXX {$2900.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 7 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$2500.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX  Opened XX/XX/XXXX ( 2 yrs, 6 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$2100.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 5 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 0 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$1800.00} Open I only had two timeshares that were surrendered back in XXXX and this is what they keep doing these accounts were originated in XXXX obtained.

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 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2021 I applied for credit at XXXX XXXX XXXX and I was denied. I inquired with sales rep as to why or if there was any statement. He gave me the slip and said I'd here from a Synchrony Bank. 

I received a letter 2 weeks later stating the reason I was denied credit was due to previous unsatisfactory account. 

I was floored as I didn't have a number to call only an address on the letter. However I started referencing every synchrony number until I was able to find out there was an account with a Care Credit that had been fraudulently established. 

I had to contact synchrony ASAP so I then faxed over the documentation ( FTC Report and Police Report ) explained to them what had transpired and this was one of several fraudulently established accounts. 

I requested it to be removed as I've since provisioned severed protocols of protection on all XXXX CRA 's with security freezes and security alerts. 

I proceeded to request in receiving the documents to verify that consideration be taken and that Synchrony Bank would not prohibit me the real ( XXXX XXXX ) from establishing accounts.

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 2022-04-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Im writing this complaint because I have been denied my right to know the details of the investigation performed for me against the alleged creditors in question. Please have these companies provide me : 1. The name of the original creditor XXXX. The creditors ' address and telephone number XXXX. The persons name they verified the dispute with 4. The documentation used to verify the dispute

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 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I made a purchase on my Chase XXXX XXXX card ( current account number is XXXX XXXX XXXX XXXX ) on XX/XX/XXXX in the amount of {$740.00}. I did not receive the goods and filed a purchase protection claim on XX/XX/22 with XXXX  The claim number is XXXX. All documents required from me were submitted for this claim. XXXX  has yet to approve the claim because they are waiting for a response from Chase to emails sent to Chase on a weekly basis since XX/XX/22 requesting that Chase validate that I did not receive a credit or refund for this purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have tried to file a dispute with Chase business visa credit card since XX/XX/XXXX. I have also written to the XXXX office and they refuse to assist me because the dispute concerns a closed credit card account. I have provided XXXX pages of documentation to Chase disputes and they continue to tell me the documentation is adequate but that a special dept that handles disputes for enclosed accts will be in touch. It has been over 3 months, numerous phone calls and hours on hold. The amount of the dispute is {$10000.00}. The former credit card account was closed in XX/XX/XXXX and Chase claims they have no record of my credit card account it even though I have provided a copy of the actual credit card statement ( from the closed account ). How can there be no record? What is the record retention policy or law? I have since opened XXXX other Chase business credit card accounts and also have a personal account. I am seeking a temporary credit to be applied to any of my other Chase cards. XXXX XXXX and XXXX have provided temporary credits for disputes on the exact same matter related to XXXX Cruises. In addition, I have had many incidents of fraud on credit cards in the past and disputing a charge on a closed account has never been a problem- especially when all the needed documentation has been provided. And, apparently, the {$10000.00} was never paid to XXXX cruises and is held by XXXX in a trust account as reported in XXXX in XX/XX/XXXX. Documentation for the dispute has been attached to this complaint. I also have a chronology with details of each correspondence and phone call with Chase. I would appreciate any assistance the Bureau can provide in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX/ {$140000.00} / XX/XX/2021

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 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am extremely disappointed with the BofA system. I have been a stellar customer. I assumed I had auto payments setup because I pay my balance in full every month. Only to find out that my annual fee was charged XX/XX/XXXX, auto payments were turned off and I was being reported with late payments to the credit bureau agencies. I paid the outstanding balance of {$75.00} right away on XX/XX/XXXX when I was aware. Instead of my account going into good standing, they havent posted the payment and instead closed my account. 

Additionally, they were taking my auto payments literally a couple billing cycles prior to this ( until XX/XX/2021 ) even though I had a XXXX balance. I wound up having a credit of XXXX. I dont use that card often so I didnt notice. 

The system is broken. And now my credit is affected because of their broken system. This makes no sense

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 2022-04-07 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
My personal information was misappropriated by someone I didn't know, and many overdue bills were recorded on my credit report, resulting in a negative credit report for me. 
The creditor and collection agencies, instead of showing me the original data package when the bill was created, only showed me the debt bill in the person 's name. 
I sent a statement to the creditor 's rights company and the debt collection company to investigate, but it was not resolved. The creditor 's rights company continued to accept the business handled by the embezzler, and the overdue result was recorded in my credit report.

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