vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 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: EQUIFAX, INC.
State: NV

Complaint narrative:
For months I have been disputing multiple errors on my credit report and not only the creditors but also the credit bureaus have failed to delete, or even correct, the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
For months I have been disputing multiple errors on my credit report and not only the creditors but also the credit bureaus have failed to delete, or even correct, the accounts in question.

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 2020-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
The ATM at XXXX off of XXXX XXXX and XXXX in XXXX, AZ XXXX has been down too many times to count with no one around to have it fixed. It seems like everytime I go it's broken or out of service. Today for example I get there I'm waiting in line with the bank closed and no supervisor or support there at all. There was a XXXX man banging on the machine with his fists with no one stoping him. I thought to myself where is the store manager or bank manager to  stop this wreck less XXXX from destroying the ATM? When it was my turn to walk up to the ATM to do a simple transaction, it was out of service from the XXXX banging on it with no store supervision! I want to file a formal complaint. This location and mannor is unacceptable.

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 2020-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I applied and received a loan from Wells Fargo auto ( XXXX XXXX XXXX ) on XX/XX/2020, that included Gap Insurance. Prior to the first payment due on XX/XX/XXXX, I canceled the Gap insurance on XX/XX/202, contacted the dealership, received the cancellation information.. Was told that I would receive a refund of the remainder Gap insurance that had been financed into my loan. I recently transferred the loan to another financial instition and am paying Gap insurance and paying interest on the Gap insurance financed by Wells Fargo. As of today 's date, I have not received the refund or any other information regarding my refund. Contacted XXXX XXXX XXXX Several times by email and phone. Contacted Wells Fargo several times by phone.

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 2020-08-19 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: MD

Complaint narrative:
On approximately XXXX I sent an investigation letter to Experian asking them to investigate a particular accounts status and requested that if it could not be verified within 30 days that it be deleted. on XX/XX/XXXX I received the results of that investigation from Experian and the outcome of that investigation was that the information could NOT be verified and the account was DELETED from my credit report. When I pulled my credit report mid XXXX the account was deleted from my report. However I recently refreshed my report on XX/XX/XXXX and the account was placed back on my report after I received a letter it was deleted. I had NOT received a reinstatement letter in those 4 months at all. Also the current reporting is INCORRECT and shows I have a balance which I do not. I have proof of payment in full. 
After I initiated a dispute with Experian on their website they then sent me a reinstatement letter 4 months after the fact. This is not following the rules set forth and is harming me in many ways especially during Covid. I have copies of all the documents sent and received and I would like this removed from my credit report as they are not following their own rules

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 2020-08-19 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: CA

Complaint narrative:
Working with Chase bank, I attempted to dispute a reward point based credit card transaction. They said they would not allow me to dispute the charge since it was point based. The dispute is based on Chase 's internal Ultimate Rewards Travel Service which failed to notify me of changes to a flight. They became aware of these changes as documented by the XXXX  XXXX on the XXXX of XX/XX/2020 and did not attempt to notify me of this change until XXXX of XX/XX/2020. Due to the nature of airline pricing, by the time Chase attempted to notify me, I incurred almost double the cost to rebook a flight that would accommodate my originally planned needs. Redacted information from attachments is below. 
XXXX XXXX Reference number : XXXX Chase Ultimate Rewards Travel Rebooking Itinerary Number ( s ) : XXXX Chase Ultimate Rewards Travel Original Itinerary Number ( s ) :  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
At the time of application I was given a closing date of XX/XX/2020. 
That date was 90 days from application for a rate and term refi with my present lender Wells Fargo. Since my original closing date wells has stated the loan was with their insurance review team, that they needed a subordination agreement for their own heloc, that their was a question regarding judgements? 
They have continually mislead me regarding closing on my loan. 
My wife and I-have XXXX cr scores, our DTI is very low, their was no appraisal needed for my property, the ltv is less than 70 percent, my payment Is dropping by XXXX dollars. We are immensely qualified, and yet they cant get the loan closed after 100 days. 
Ive requested my complaints be escalated yet no one contacts me. I have told Wells at this point I do not feel I should pay any discount or origination fees. 
I want the loan closed immediately. 
They continue to ask for more documentation. 
Please help ... they do nothing Thank You

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 2020-08-19 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am filing a complaint today with you on Discover Financial Services who enrolled me in one of their programs Discover Protection Services WITHOUT my legal authorization when I opened up my account on XX/XX/XXXX. Their fees including interest based on this service have accrued to around {$8000.00} - {$10000.00} currently. 

I filed a dispute over a year ago and they only agreed to repay me {$850.00} and closed my case and shut down communication immediately. I found it absolutely unacceptable and proceeded to write 3 letters over the course of a year to appeal this - I faxed and sent to all the contact # 's I received online and through customer reps. I received ZERO response from Discover. 

Finally, I found an email only listed on the XXXX XXXX XXXX   website for their Executive Offices and I attempted a 4th attempt to contact them. 

Nonetheless, I only received an official letter rejecting what I was requesting from them with a generic response. 

The MOST important fact in this complaint that has to be noted going forward, is that I DID NOT voluntarily ask for this. 

I would like it to be noted on this complaint I am filing now, that throughout this process, all my attempts to communicate with Discover is that I have ALWAYS requested them for proof to that I actually voluntarily signed up for Discover Protection Services. 

If you read my enclosed letters to them I provided ALL of my contact information ( which they should have had anyway ), and that I have always been available for contact so I could assist them in an investigation. 

A company as big as Discover certainly would have the means through basic technology - documents and call recordings, yet NOTHING was received. 

I have fought this since XX/XX/XXXX and spent a many time and effort to present my case but have only received unfair resolution and no one is listening. 

I have always paid my bills on time to EVERY creditor I have, and now Discovers negligence has caused my credit score decrease signifigantly on all my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
In XXXX of XXXX XXXX XXXX  lost our XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at XXXX XXXX but was never processed. When we discovered our payment had not cleared the credit union my wife call XXXX XXXX. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are records of correspondence with XXXX XXXX : 1. 13 phone calls with dates and names of XXXX XXXX  representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing XXXX XXXX has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was discharged we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX credit score was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other XXXX XXXX customers aren't put through what we have been through. Please help!!!

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
In XXXX of XXXX XXXX XXXX  lost our XX/XX/XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at XXXX XXXX  but was never processed. When we discovered our payment had not cleared the credit union my wife call XXXX XXXX. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are records of correspondence with XXXX XXXX : 1. 13 phone calls with dates and names of XXXX XXXX  representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing XXXX XXXX  has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was discharged we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX credit score was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other XXXX XXXX  customers aren't put through what we have been through. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
In XXXX of XXXX XXXX XXXX  lost our XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at XXXX XXXX  but was never processed. When we discovered our payment had not cleared the credit union my wife call XXXX XXXX. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we  cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are  records of correspondence with XXXX XXXX  : 1. 13 phone calls with dates and names of XXXX XXXX  representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing XXXX XXXX  has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was discharged we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX credit score was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other XXXX XXXX  customers aren't put through what we have been through. Please help!!!

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 2020-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
In the Fall of XXXX, I obtained a loan from OneMain Financial located in XXXX, Alabama for around {$3500.00}. In the process of getting the loan, i set up monthly payment to be withdrawn from my bank account. 
I refinanced the loan, at the request of the OneMain Financial reps in XX/XX/XXXX. Things were going great until XXXX XXXX. This is when OneMain Financial quit taking the money out of my account. I never noticed this because it was my account i was using just for them. I was told that they would just take the money out of the account on a regular basis. 

I started receiving phone calls from them in late XXXX, about the account. 
What worried me is that when the people from the XXXX office would call, they were rude and disrespectful. XXXX from that office called me 5 times within a 3 minute time span. When i finally answered, i explained to her that it was illegal to call me so many times and I could would. XXXX explained to me that she could call me when ever she wanted, how many times she wanted. The people from that office started calling my phone and hanging up in my face when i would answer the phone. 

I want my debt dismissed because i have tried paying them but they are relentless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I he.ve never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. US DEPT OF ED/XXXX,  XXXX XXXX, XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX   XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX 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 2020-08-19 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: NY

Complaint narrative:
To whom it may concern, I am being hit with a hard inquiry from XXXX   XXXX  for the month of XX/XX/2020. I did not apply for anything XXXX   XXXX  or XXXX. I did not authorize anyone to run my credit profile nor did i sign anything. This is 100 % fraud. I am asking for this to please be removed from file to all credit reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have repeatedly sent letters of evidence as per the companies request to support fraudulent reporting of identity theft accounts, inaccurate personal data information all if which have adversely affecting my life and credit score. Additionally, ploys of alleging that someone else other than me is involved, is outrageous and an attempt to slow down the investigation process which is impacting my life. 
I have made NUMEROUS good will attempts to mitigate these claims with the credit reporting agency as well as each individual company. These disputes have been removed from several other credit reporting agencies, however, this agency is still reporting these accounts as of XX/XX/2020.

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 2020-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIGY SOLUTIONS INC.
State: TX

Complaint narrative:
My vehicle loan was being serviced by XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). I received statements from my company up till the middle of XX/XX/2020. On XX/XX/2020 I sent a payment through XXXX XXXX for the amount of {$410.00} as i typically would. On XX/XX/2020 i called XXXX and they advised me that they no longer serviced my account and it was sent over to another company by the name of XXXX XXXX. I was given a phone number to XXXX XXXX. I called XXXX XXXX and they told me that my account was being serviced by XXXX. For the week and a half I've been in contact with both company 's, XXXX and XXXX XXXX, and they both are telling that don't service my account and I have to call the other. No one from either company can tell me who is servicing my account. I have not received any form of letter from either company explaining to me the status or the update of my account. I was never provided any type communication of whom bought my account or that it was turned over to another company. I've reached out to XXXX and the only response that i get is to call XXXX XXXX. I then spoke with a Supervisor by the name of XXXX whom works for the company Credigy Solutions. Credigy is a contracted by XXXX to service clients over the phone. XXXX stated to me that she would reach out to her analyst to find out if the account is with XXXX or XXXX. I called back and when XXXX was available I would speak with her briefly and she told me that i had to call another phone to XXXX XXXX. I called XXXX XXXX  and they told me that XXXX  has my account and then just transferred me to XXXX. I just keep getting pushed around to someone else. No one can tell who has my account. I don't know if there is an account number but they are able to locate me by my Social Security Number which i provided as the account number in this complaint. Credigy Solutions is  XXXX. XXXX XXXX, XXXX GA XXXX. Phone number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-08-19 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE INQUIRIES ON MY FILE. THESES INQUIRIES DOES NOT BELONG TO ME, THOSE INQUIRIES WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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