vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 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: CA

Complaint narrative:
XXXX XXXX Account # XXXX Is claiming everything on my report is 100 % and they did a thorough investigation well everything is not 100 % accurate they failed to obey the law i have rights to privacy and there violated it. All 3 bureaus are inaccurate and reporting wrong information. 

Last active Last reported Balance Comment section Please review upload and youll find all inaccurate

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 2022-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I opened an ESCROW account with TD Bank ( XXXX, XXXX XXXX branch ) in XXXX to handle the security deposit for a rental we have in XXXX XXXX 
In XXXX we moved to XXXX and I advised TD Bank to change our mailing address ( to become in XXXX  where we moved. 
In XXXX of XXXX I went to the bank and asked about the account. I was told it had become dormant in XXXX and they did not have the correct mailing address. The bank re-activated the escrow account but then charged {$15.00} per month as banking fees because " the account was changed in XXXX to a different one that had banking fees if it fell below a certain limit ''. This is an ESCROW account that will not increase in value. The funds are there as a security and is in the name of the tenant ( I am the escrow holder ). 
The bank charged an amount nearly {$800.00} for as a service fee over the course of the years. 
I complained to the bank branch in XXXX, XXXX  where we bank and was advised by the bank manager ( after 3 months of waiting ) that she could not do anything ( bank statements which I never received have a 30 day contestation period ). They therefore did not refund any of the money that was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: VA

Complaint narrative:
This company will like to you every set of the way!!! I financed a vehicle through them XX/XX/XXXX for XXXX by XX/XX/XXXX I totaled it. I had insurance and gap insurance on the vehicle which my insurance paid the XXXX by the end of XXXX. I was talking with them trying to get them to work with me because I had to purchase a new vehicle. They acted at first as if they were going to be helpful, but they weren't. I made what payments i could and in the end once they received all the insurance my it left me owning XXXX. I continued making payments they started calling even threatening to report to the credit agencies, which im like go ahead because im doing all i can and making payments. I spoke with another lady named XXXX around XXXX or XXXX about the account where i told her about the threats that were made as well as XXXX trying to make payments. She informed me that if i had the vehicle paid off in within 6 months of the accident that they would forgive all the late payments and take them off. Ok that's great!! She said it to me in XXXX different conversations we had that this would happen as long as i had it paid in full come XX/XX/XXXX. By XXXX they marked it as a charge off to which i called and asked why because i had been making payments, because at this point i only owed XXXX. I did not understand that at all since i had been communicating with them making payments, and they gave me a deadline to have it paid by. I had it paid in full prior to the end of XXXX they went in and changed my credit to paid, charged off which that wasn't what she said would happen. I called which i talked to a different lady who informed me they cant change credit reports, and i'm like I know what XXXX told me on the phone more than once and y'all need to pull those tapes. These companies sit up here and lie every set of the way and don't hold up their end of the bargain even though i did mines and had the account paid off in the amount of time they told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: LA

Complaint narrative:
Equifax/Equifax credit bureau/Equifax Information Services LLC added remarks to accounts I demanded to be deleted/removed from my report after I filed a CFPB complaint again demanding the removal/deletion of such accounts because Equifax/Equifax credit bureau/Equifax Information Services LLC being pass the 30 days of investigation and did not provide me the status. Equifax/Equifax credit bureau/Equifax Information Services LLC stated the accounts came back verified but failed to provide me the status and investigation method XXXX XXXXK xxxxx XXXX XXXX - XXXX & XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RELIANCE FIRST CAPITAL LLC
State: NC

Complaint narrative:
After refinancing with Reliance First Capital my monthly mortgage was XXXX. Then it changed after 6 months to XXXX I was told my escrow was too low. I was told in XX/XX/XXXX the pymt will go back to XXXX. I changed my home insurance XXXX XXXX to all state it saved me XXXX same amt of coverage. My yearly pymt went XXXX XXXX. XXXX. XX/XX/XXXX Now a couple of months after that I received a letter stating I have to have PMI insurance which was never added til now. My mortgage statement is requiring I pay XXXX Can you please advice me if reliance is ripping me off? 
Also not long ago I was looking into refinancing I realized the rates were too high so I declined. I received a call XXXX XXXX XXXX who did my refinance at Reliance first Capital he said & I quote I was watching you credit inquiring are you looking to refinance I said no I am not. We ended the call right after. is that legal? 
Signed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
A former friend opened a credit card with Discount Tire through Synchrony Bank and fraudulently used my phone number as well as her own on the account. She has not paid into the account and it's past due so now I get automated calls from Synchrony 3-6 times per day on various numbers as they attempt to collect a debt that is not mine. The card is not in my name thankfully but my phone number is on her account when it has no right to be as I did NOT give my permission to do so. 

I called Synchrony and they claim they can not remove it. That the cardholder herself has to call to do so despite that its MY number. She will never call as she owes them money. They refuse to stop calling me on a debt that is NOT mine. 

It interrupts my work and personal time and if this continues, I will be forced to change my number.

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 2022-10-03 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:
my wallet was lost with all of my personal information in it and never found and now I have accounts on my credit report I never applied for, also some inquires, I need them to be remove immediately XXXX XXXX XXXX XXXX ( closed account ) XXXX TRANSUNION XXXX inquire ) XXXX  XXXX XXXX XXXXTRANSUNION ( XXXX ) XXXX  ( Hotel and travel ) - TRANSUNION ( inquire )

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 2022-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: URS Holding, LLC
State: NJ

Complaint narrative:
I never received the credit card and never used it I was out of country when this was happened XXXX XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX I came back I received phone calls and letters about the debt.I wrote letters to the company that this is not my debt I want to dispute the validity of this debt .They place a hold on my checking account due to judgment.The default dates on which the balance became due is XX/XX/XXXX when I was out of country. 
Original creditor : XXXX XXXX XXXX  Account XXXX Creditor : 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 2022-10-03 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX of XXXX i have reached out to Wells Fargo Home Mortgage about the late payments on my credit report. I also disputed it with all 3 credit bureau and Wells Fargo still has not change my credit report. My credit report is showing inaccurate information.XXXX XXXX my credit report state 30 days late i paid my mortgage on XX/XX/XXXX and XX/XX/XXXX report stated 30 days late again my payment was paid XX/XX/XXXX. I have provided proof of payment from Wells Fargo Home Mortgage.

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 2022-10-03 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: NC

Complaint narrative:
Several fraudulent charges were made to my credit card. Wells Fargo contacted me because they noticed it. They did not pay for the charges ( small XXXX and XXXX charges ). They issued me a new credit card. This is all in XX/XX/2022. Then I saw XXXX of the fraudulent charges back on my new account. I contacted them and they said they received 'proof ' from XXXX and I asked for them to send that to me. When I received the tracking number I went to the post office and they gave me the address of where the XXXX business routers were delivered - this is not my address. I call Wells Fargo and they add this to my 'notes '. Unfortunately through all of this I really wonder who added notes and who didn't do a thing. They all read from the same script when talking to me. I have been to Wells Fargo branches and they are unable to help. I filed a police report. When I received the 'proof ' - it was NOT my email address or my XXXX account that was used and I then called back and provided them with this information. I also looked into IP addresses and this one was not mine. 
I did not make this purchase and I am not responsible for the XXXX charge and the interest charges. 
I have spoken to multiple people on the phone and via email. I have had to take time off of work to deal with this and this has caused me a great deal of stress and anxiety. 
I am incredibly distraught and upset and I do not owe Wells Fargo this money.

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Expert Credit Sweeps
State: NV

Complaint narrative:
https : //www.expertcreditsweeps.com/ This company led by XXXX XXXX is scamming 100 's if not thousands right now! 
This is infomation of some of her recent high dollar scams!!!! 

XXXX XXXX XXXX XXXXXXXX Please investigate her company she charges upfront fees for services not even rendered!!! 

https : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-10-03 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: LA

Complaint narrative:
Equifax/Equifax credit bureau/Equifax Information Services LLC added remarks to accounts I demanded to be deleted/removed from my report after I filed a CFPB complaint again demanding the removal/deletion of such accounts because Equifax/Equifax credit bureau/Equifax Information Services LLC being pass the 30 days of investigation and did not provide me the status. Equifax/Equifax credit bureau/Equifax Information Services LLC stated the accounts came back verified but failed to provide me the status and investigation method XXXX XXXX  xxxxx XXXX XXXX - XXXX & XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: LA

Complaint narrative:
Equifax/Equifax credit bureau/Equifax Information Services LLC added remarks to accounts I demanded to be deleted/removed from my report after I filed a CFPB complaint again demanding the removal/deletion of such accounts because Equifax/Equifax credit bureau/Equifax Information Services LLC being pass the 30 days of investigation and did not provide me the status. Equifax/Equifax credit bureau/Equifax Information Services LLC stated the accounts came back verified but failed to provide me the status and investigation method XXXX XXXX xxxxx XXXX XXXX - XXXX & XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested information on the reporting to my account in which Transunion states they verified XXXX # XXXX with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX ; however, I have in hand a letter stating otherwise. This court did not report any information to my credit report and states they are not responsible for the use or misuse of any information gathered by third parties. Transunion has lied and yet to produce anything from XXXX XXXX XXXX XXXX that gives them the right to place anything on my credit file on XXXX XXXX XXXXXXXX XXXX behalf. I requested documentation from XXXX XXXX XXXXXXXX XXXX and Transunion has filed to provide documents from XXXX XXXX XXXXXXXX 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 2022-10-03 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: GA

Complaint narrative:
I AM A VITIM OF IDENTITYTHEFT. I GOT NOTIFICATION THAT MY INFORMATION WAS AS COMPROMISED. I'M TRYING TO GET THIS ISSUE REMOVED WITHIN THE COMPANY AS WELL AS THE BUREAUS.NOTHING HAS HAPPENEDAND THE COMPANIES TELL ME THAT THE CREDIT BUREAUS HAS NOT TAKEN THE FRAUD ACCOUNTS OFF. THIS IS A VIOLATED DATA FURNISHERS RIGHT PER THE FOLLOWING, 15USC SECTION 602, 15 15 USC 1681 SECTION 604 AND 15 USC 1666B. XXXX, EXPERIAN AND XXXX HAVE VIOLATED MY RIGHTS. I INTEND TO TAKE LEGAL ACTION IF THIS IS NOT RESOLVED. PLEASE HAVE THE FOLLOWING ACCOUNTS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE HAVE THE FRAUD INQUIRIES DELETED ALSO.

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 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
See attached document Chase is refusing to credit me money that was stolen from me after I was pickpocketed and robbed while on vacation in XXXX XXXX. 

The criminals were able to use my login credentials and used my XXXX, XXXX XXXX, and XXXX accounts to make unauthorized transactions. 

Chase refuses to help me out despite this, even after writing a XXXX page report detailing what happened the night I was victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: TX

Complaint narrative:
I haven't opened up any XXXX account in XX/XX/2021 this is fraud on my credit report. It shows that I owe an odd number of {$800.00} for the XXXX XXXX account which is incorrect. It has been deleted several times but always seems to come back. I have contacted the company Jefferson Capital System and they stated that the dates were changed for whatever reason. This is a living HORROR with this company. I need this deleted immediately. They have been reporting this misleading information for at least 10 years or more now through different companies. Please update this information for XXXX as well. Thanks for your prompt attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have 3 credit card accounts that are not minds and was open up in my name as fraud. I File an identity theft report and a police report. Here are the accounts : XXXX XXXX balance XXXX XXXX XXXX balance XXXX XXXX XXXX XXXX  balance {$380.00}

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 2022-10-03 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: MO

Complaint narrative:
I have 3 credit card accounts that are not minds and was open up in my name as fraud. I File an identity theft report and a police report. Here are the accounts : XXXX XXXX balance XXXX XXXX XXXX  balance XXXX XXXX XXXX XXXX  balance {$380.00}

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 2022-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
company is trying to collect on an account that has already been paid. Company has also been sharing my personal information to third parties without my written consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I attempted to obtain a consolidation loan on line and the company keeps asking and accepting money from me via bit coin and gift cards. I am due back over XXXX My loan manager is XXXX XXXX and his number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
For the past week, Capital One customers including me have been unable to redeem rewards on mile transfers ( transferring miles to partner airlines and hotels ). Here are a couple articles documenting it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Capital One refuses to give any timeline on when this will be fixed. The only reason I signed up for Capital One XXXX XXXX was because of the rewards transfer partners. It is very frustrating that the company will not give us a timeline on when issue will be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: IL

Complaint narrative:
Equifax has been reporting inaccurate information since XX/XX/2021. The amount the company says I owe is {$89.00}. I disputed this negative account multiple times. The negative account is still on my report. 
Equifax is the only company reporting this negative item.

Company response to consumer: Closed with explanation