vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-30 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had {$600.00} spent in XXXX {$200.00} transactions on my Debit Card at XXXX XXXX XXXX in the very early morning on XX/XX/XXXX. Wells Fargo nulled the last transaction and notified me. I called them as soon as I awoke to report the fraud, and they opened an investigation but did not manage to refund me the {$400.00} and did not notify me when they were done with my claim, what they found, or why my money was not refunded. I have attached the last communication they had with me on this matter which said they would " let me know what they found out when their research was complete '' but they never did. 

I received a new debit card.Now It is XX/XX/XXXX and once again I had over {$700.00} of my money spent fraudulently on my new debit card. Wells Fargo has clearly had a security breach or is not doing enough to protect my information even on a card that is barely used. I am worried I will be lost in the same black hole of their claims department with no recourse and be out over {$1000.00} just because of using Wells Fargo.

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 2022-05-30 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-30 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: VA

Complaint narrative:
Last XX/XX/2021, I sent out my dispute letter to you and its been over 7 months now, and I havent received any response from you yet. As far as I know, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.

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 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Synovus Bank
State: MS

Complaint narrative:
I, XXXX XXXX is filing this complaint in response to Synovus Bank issue of XXXX XXXX XXXX. Synovus Bank has violated multiple laws under the Fair Credit Reporting Act. Synovus Bank is being abusive, deceptive, and unfair to consumers. 
Synovus Bank stated, The Privacy Notice, which is included with the Cardholder Agreement, provides detail about what Synovus Financial Corp. does with personal information. Synovus Bank also stated a customer may not Opt-Out of this portion of the Cardholder Agreement or the Privacy Notice. 
Congress says its REQUIRED that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Synovus Bank has violated my rights to privacy under XXXX XXXX. 
Synovus Bank did not disclose this information to me that is required by federal law. 
Synovus Bank knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. 
Synovus Bank knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-30 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: Alabama Housing Finance Authority
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
XXXX XXXX XXXX has wrongfully put my account to collections. Invoiced dated XX/XX/XXXX {$23.00} was paid in full XX/XX/XXXX conf # XXXX. A second identical bill was sent out dated XX/XX/XXXX at which upon receipt I called XXXX customer service to verify the bill. She concluded that my payment had been made but that THEY had never posted the payment. Transaction summary ID XXXX Batch XXXX. She said no further action was needed on my end. Now I come to find out on XX/XX/XXXX my account has been sent to collections and I was not aware of the XX/XX/XXXX dispute deadline since I only received notification via mail. This must be addressed immediately and my perfect credit be rectified. I have all the documents available to upload to prove process of payment. It includes account # s and personal info so per your statement above I will not include those documents in this message until contacted for further action.

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 2022-05-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
I received my new mortgage amount from Arvest Mortgage Company which increased from {$740.00} to {$1200.00}. Most of this amount is for the escrow. The house I bought was a new house, and I was informed by the previous mortgage company servicing my mortgage to be sure to add extra amounts to the payment for the escrow account which I did. 

Around XX/XX/XXXX, I contacted Arvest to see if I could work out a better mortgage payment by lowering the escrow amount by {$200.00}. I received a reply that this is what the calculations came up to and pretty much indicated that there was nothing they could do. 

Around XX/XX/XXXX, I contacted them again, telling them I am a XXXX XXXX  on a fixed income and would they please have it reviewed and see what could be done. I received a reply that it would be reviewed and that I would receive a response by XX/XX/XXXX. As of today, XX/XX/XXXX, I have received no response from Arvest.

There are many homeowners in my subdivision that had their mortgages raised anywhere from {$500.00} to {$800.00}. At this point, I am not sure how long I will be able to stay in my home.

Anything you can do to help with my situation would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
On XX/XX/2022, I received the closing disclosure from Loan Depot stating that the bank attorney fee was {$1200.00} and the title search was {$290.00} in Section B. These fees I believe in Section B should never change from the initial loan estimate until closing. A change circumstance was never done and then on XX/XX/XXXX, I received an amended CD that put the fees to bucket C. This was 10 days after the initial closing disclosure. I believe as per TRID this is a TILA, RESPA violation and I am owed a cure of {$1500.00}. I believe that the fees in section B should never change in the first disclosure until closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD Bank called about 1 missed pmt. We were in Tx with a XXXX scare. I called TD back, explained the situation and made pmt arrangements. I took screen shots. Despite arrangements they said I can't stop the calls and they will continue until its paid. Not even 30 days late fyi. Next time they called I waited and gave them fair warning to stop. Met with arrogance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2022-05-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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