vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I already have a complaint that was filed with you ..case number XXXX XXXX.I wanted to add that my loan was in the " Conditional Approval '' stage with some conditions that I needed to meet. The condition was that I make repairs to the deck and and have re inspection done..well I did everything they asked of me and deck was inspected and passed..they are now saying that they are denying loan because I need porch repaired and inspected. I have explained to them and supplied documents of this being done. The loan officer XXXX XXXX does not like me because I have been pushing him to get stuff done on a refi that has now taken 3 months. He takes delight in trying to make loan fail.He will not respond to any emails or phone calls. I have met the criteria and have documents to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The alleged accounts that have been furnished on my consumer credit file without permissible purpose of authorization from a judge. Remove XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX and XXXX XXXX. They are not reporting on my XXXX report which means that my credit file is not 100 % accurate Pursuant to the Fair Credit Reporting Act ( FCRA ) I will Attach the XXXX XXXX XXXX File with the above referenced accounts not listed on the XXXX XXXX file. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-21 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Regulation Z violation Disputes ending in XXXX and XXXX were opened earlier this year, both for the same reason under goods or services not received. Within XXXX hours, Wells Fargo closed the disputes and no investigations were conducted, as required by Federal law. I reached out to Wells Fargo several times before today, including the CEO. First, I was told that information was needed by XXXX ( supervisor in Claims Assistance ) to reopen the cases. I cooperated and provided the information requested. Wells Fargo acknowledged receipt of the information, yet the disputes were still not investigated and remained closed. For both disputes, I was then told : " Unable to Assist ''. 

Then, in XX/XX/2021, several months later, Wells Fargo decided to investigate the dispute ending in XXXX and provided a permanent credit for the disputed amount, but no investigation was conducted for the dispute ending in XXXX and no credit was provided. Again, both disputes were opened for the same reason, and nothing had changed between the dispute ending in XXXX and the dispute ending in XXXX. Wells Fargo *was* able to assist. Yet Wells Fargo chose to investigate the one ending in XXXX but chose not to investigate the one ending in XXXX. Plus, Wells Fargo is still assessing finance charges on the amount associated with the dispute ending in XXXX. 

Your assistance would be appreciated.

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 2021-12-21 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: PNC Bank N.A.
State: ME

Complaint narrative:
This incident occurred as of this morning on XX/XX/2021. This morning I place a reservation at XXXX I provided my bank card number from my PNC card account. 
I later found out that I could not use the reservation so I had to cancel the reservation. I was not able to cancel this reservation with XXXX because there was no type of contact information in order to cancel the reservation. 
I called PNC bank to dispute and cancel the transaction, I only got a hold of a XXXX that stated that no one was available and I would be called back within 20 mins. However I have never received a call. 
I then tried to find a different number to contact PNC which was XXXX and located at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX spoke to XXXX XXXX XXXX who stated that she or no other XXXX  could file a dispute on behalf of any PNC bank customer at any PNC branch in this or any other part of the country.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2021-12-21 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX, illegally repossessed XXXX. Did not send proper notice, did not respond to certified letter or calls. Continue to report repossession to credit bureaus when the XXXX was already sold over my contract balance satisfying amount and refund due to me. XXXXl XXXX refused to refund amount recovered after illegal sell and did not tell me where my vehicle was held or did not allow me to recover my personal items totaled over {$1000.00}. Illegal Violations

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 2021-12-21 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX, illegally repossessed vehicle. Did not send proper notice, did not respond to certified letter or calls. Continue to report repossession to credit bureaus when the vehicle was already sold over my contract balance satisfying amount and refund due to me. XXXX XXXXXXXX refused to refund amount recovered after illegal sell and did not tell me where my vehicle was held or did not allow me to recover my personal items totaled over {$1000.00}. Illegal Violations

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 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
Waypoint Resource group out of Texas randomly decided that I allegedly " owed '' some debt in the amount of {$40.00}... I have never heard about them prior to this letter, nor do I have any transaction relationship with them. On top of that, they are sending it to me at my home in XXXX!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2021-12-21 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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
After submitting numerous disputes Transunion continues to report wrong false information on my consumer file as accurate.

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 2021-12-21 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: TX

Complaint narrative:
I went to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, Texas XXXX ( XXXX ) XXXX. I already had financing set up through my bank but XXXX XXXX and XXXX XXXX XXXX employee said he could get a better rate or match my rate from my bank. I expressed my concern my credit pulling hits and he said that he would run three and two would fall off so I let him run my credit. I ended up with XXXX XXXX and had the loan papers but 4 weeks later was told my loan was now with XXXX XXXX. I asked XXXX XXXX what was going on, his explanation was that he committed fraud. He ran my credit again without permission and never told me my original loan originator pulled their plug. 

Now I have multiple entries on my credit report for credit being pulled. This was fraud and done without my permission or knowledge. Fraud pullings include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX second time ) 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 non-monetary relief
Consumer complaint received 2021-12-21 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: TX

Complaint narrative:
I had an account with the Texas XXXX XXXX XXXX XXXX XXXX. My order in the case ended in XX/XX/2021 yet the account still shows to be open. It should be closed. My report showed a late payment in that last month as well which is not correct. 

I have called them and disputed the entry to credit reporting agencies with no luck.

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 2021-12-21 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: GA

Complaint narrative:
I have recently pulled my TRANSUNION consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Transunion is in violation of the Fair Credit Reporting Act ( FCRA ), reporting and furnishing this false information. This violation results in {$1000.00} each account that is reporting on my Transunion account that is not reporting on my XXXX account which includes. Account Name/Account Number : XXXX XXXX  XXXX XXXX XXXX Account Name/Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX / Account Name/Account Number : XXXX XXXX XXXX XXXX / XXXX Account Name/Account Number XXXX XXXX XXXX  / XXXX Account Name/Account Number : XXXX XXXX XXXX XXXX XXXX. Pursuant to the ( FCRA ) 15 U.S. Code 1681n.

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 2021-12-21 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: OH

Complaint narrative:
I sent out a letter that Equifax received on XX/XX/2021. today is XX/XX/2021 and i have not receive any information regarding the dispute/investigation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XXXX I found BOA new account bonus information online as attached and XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX verified the information I provided and opened a new check account for me, and told me I need to make direct deposit more than {$4000.00} per month to get {$300.00} bonus after 3-4 direct deposits. I have set up direct deposit $ 4200 monthly at the end of XXXX as attached. In the middle of XXXX XXXX XXXX XXXX me the promised bonus was on the way. I saw {$100.00} bonus on XXXX XXXX other than {$300.00} as attached and I made an appointment with XXXX. Last Thursday - XXXX XXXX, I told XXXX XXXX I only received {$100.00} which is a new account bonus, Mr.West seemed to try to find out what's going on. A lady who I guessed is in charge told me the bonus information was not true and I was told that the online AD was not from BOA. And then she printed out something for me as attached, obviously it is different from what I found in XXXX. After I showed her what I saw online back to XXXX, she told me that she would file a complaint for me to higher level, but I could not get {$300.00} as Mr.West promised in XXXX. 

My concern is that the bank should keep what they promised. The relationship manager XXXX XXXX should have told me from very begining if the information was not accurate. But XXXX XXXX kept promising. The bank should honor what the bank staff promised to the customers. 

I ask for {$300.00} bonus as promised from BOA. 

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 monetary relief
Consumer complaint received 2021-12-21 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: TX

Complaint narrative:
I applied for a loan with my bank in XX/XX/2021. My bank pulled my credit an told me my score was XXXX. It was pulled from Experian. I pulled my credit report the same day and showed a score of XXXX. There is some type of fraud going on if the banking industry and consumers received different scores. 

Experian sales a service for credit monitoring. It's fraud when their service to consumers does not show the correct or different information to lenders. This is the entire purpose of credit monitoring, to insure accuracy.

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 2021-12-21 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: MI

Complaint narrative:
I submitted several disputes with XXXX, Experian, and XXXX regarding XXXX XXXX Credit Card ( XXXX ). I entered into a payment agreement for {$59.00} a month. XXXX has not been reporting payments each month and continues to report the account LATE and Charged OFF. The company is furnishing inaccurate information and has violated several FCRA 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 2021-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
i sent out a dispute/investigation letter the was signed for on XX/XX/2021 and have have not heard anything from the Transunion about the dispute. the dispute was for inaccurate reporting of dates on accounts. and inquires that i didn't authorize.

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 2021-12-21 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: TX

Complaint narrative:
I had an account with the Texas XXXX XXXX XXXX XXXX XXXX. My order in the case ended in XX/XX/2021 yet the account still shows to be open. It should be closed. My report showed a late payment in that last month as well which is not correct. 

I have called them and disputed the entry to credit reporting agencies with no luck.

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 2021-12-21 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: TX

Complaint narrative:
I had an account with the Texas XXXX XXXX XXXX XXXX XXXX. My order in the case ended in XX/XX/2021 yet the account still shows to be open. It should be closed. My report showed a late payment in that last month as well which is not correct. 

I have called them and disputed the entry to credit reporting agencies with no luck.

Company response to consumer: Closed with explanation