vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-24 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: GA

Complaint narrative:
Was charged {$1000.00}, by someone who hacked one of my accounts. I called my credit card company, told them it was fraud, and they have refused to do anything about it. Every time I call, they say call back in 10 more days. I'm being charged interest for a fraudulent transaction and they insist on giving me the run around. When I told them that they're giving me the run around and that I've provided the proof they asked for they said to quote, " I'm not going engage that conversation. '' And " it's your responsibility to keep calling in because its your account. '' When I asked, what I'm supposed to do about the interest I'm being charge for the fraudlent transaction I was told, " after the investigation is done, which will take 30 days, we'll see what we can do. '' This is unacceptable. They don't care about {$1000.00} that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union ( NFCU ) has refused to report my mortgage payments to the 3 credit bureaus despite 2 phone calls to the loan Dept at NFCU and 3 disputes with the credit bureau. NFCU falsely reports that my mortgage loan was included in my XXXX bankruptcy ( XX/XX/XXXX ), but the loan was EXEMPT in my bankruptcy. They also report a XXXX balance on the loan and no payments being made, In addition, my credit report states the the account is CLOSED. I have made monthly payments on this loan every month since the account was opened in XXXX. The only explanation NFCU has given me is that I failed to enter into a reaffirmation agreement at the proper time. I explained I was unaware of the time limit, had no knowledge that this was necessary since I continued to make payments, and exempted this loan from my bankruptcy, XXXX XXXX (? ) was very rude in explaining that I should have had an attorney explain it to me. 

I filed bankruptcy in XXXX because I was in debt. A large part of that debt was to NFCU for a credit card. I was on a payment plan during XXXX, and allowed to make reduced payments. When the reduced payment plan ended, I requested that I be allowed to continue making reduced payments. They denied my request and my payments went back to the full amount. I fell behind on payments, once again, and made the difficult and embarrassing decision to file bankruptcy. One representative ( female ) told me that my mortgage payments were not being reported because of my credit card debt. I believe that is true. 

Since my bankruptcy, I have managed to raise my credit score to XXXX. I need my credit reports to accurately reflect my monthly mortgage payments so I can take advantage of lower interest rates. I recently purchased a vehicle and am paying a high interest rate. I was told if I had a history of mortgage payments, my rate would be lower. By refusing to report the payments I make every month, I am not able to refinance my home, or my vehicle. And my credit score will not get above where it is now. 

Your help in this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent several letters to XXXX disputing an account that does not belong to me. After I filed a complaint with the XXXX, they deleted the account in early XXXX, but then it reappeared XX/XX/2021. They never sent the official deletion letter, but third party reporting agencies such as XXXX and XXXX shows when it was deleted, and when it reappeared. It seems as if they simply wanted to appease the XXXX complaint. 

The account in question is : XXXX XXXX XXXX Account number : 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 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am making a complaint concerning Inquiries that are reporting on my account. I have contacted Experian, XXXX and XXXX about unauthorized Inquires. My rights are being violated and I am being ignored, after several attempts trying to solve this issue. According to code : 15 U.S. Code 1666- Correction of billing area, the Bureaus above are breaking the law. 

I have not received any Verification showing I authorized accounts. Sending me letters saying verified does not verify that the accounts are legally and lawfully reporting. Pleae delete all inquiries that are not authorized.

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 2021-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Hello about a month ago I tried to refinance my mortgage with Navy Federal and the process was so unfair Navy Fed lead me to believe I was going to be able to Complete the process it was a told nightmare. They gave me the complete run around I complied with everything Submit it all documentation All the way to the end of the process to be denied due to debt to ratio I issued that they was will Aware of .I honestly feel I was discriminated against Navy Fed made sure that my appraisal came in on the lower end so that I would need to bring more money to closings the reason for refinancing was to do the debt consolidation. So I was treated so unfairly because Navy Federal already know my financial situation they change my closing cost amount because three times Thought I would have no other choice but to back out Bring that higher amount to closing GLB Act Explains how that is against the law to do something like that. I am currently going through a horrible experience with XXXX current mortgage lender Navy Fed is treating me Even worst : And also The first gentleman that I was dealing with me Cause I was XXXX So he send me to someone elsec

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am making a complaint concerning Inquiries that are reporting on my account. I have contacted XXXX, XXXX and Equifax about unauthorized Inquires. My rights are being violated and I am being ignored, after several attempts trying to solve this issue. According to code : 15 U.S. Code 1666- Correction of billing area, the Bureaus above are breaking the law. 

I have not received any Verification showing I authorized accounts. Sending me letters saying verified does not verify that the accounts are legally and lawfully reporting. Pleae delete all inquiries that are not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
This is my second cfpb complaint. My name is XXXX XXXX and I owner- retain purchased my vehicle back from USAA after it was totaled XX/XX/XXXX. I still to this day have not received, nor has the MD XXXX, gotten the proper OWNER-RETAIN SALVAGE TITLE PAPERWORK, so I can register my vehicle. My temporary tag expired XX/XX/XXXX, it is almost XXXX, and USAA / XXXX ( the company they use for totaled vehicles ) has not completed the proper paperwork so that I can register my vehicle. I have called about this issue constantly, emailed constantly, even stopped by the XXXX in XXXX, Maryland that I purchased the vehicle back from & the same answer, it's being worked on & I have to wait, it's been 1.5 years & still no one has given the XXXX, or me, any type of OWNER-RETAINED SALVAGE TITLE paperwork. I paid for my vehicle in full to USAA 1.5 YEARS AGO No problem, on the spot, and again no one at USAA has fixed this, oh yeah, & this is my second CFPB complaint, for anyone that didn't read the start! My second complaint for such a small issue for the Large corporation USAA, and this is their customer service they are presenting to consumers, I just have to say this is the worst XXXX & XXXX customer service that I have ever dealt with. I have never called, emailed, stopped by offices about the same small issue and no one has fixed this. I just want to put a license plate on my vehicle and drive legally without receiving tickets or towing. I've had both happen already because of not having a valid md registration. This is ridiculous

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) has refused to report my mortgage payments to the 3 credit bureaus despite 2 phone calls to the loan Dept at XXXX and 3 disputes with the credit bureau. XXXX falsely reports that my mortgage loan was included in my XXXX bankruptcy ( XX/XX/XXXX ), but the loan was EXEMPT in my bankruptcy. They also report a XXXX balance on the loan and no payments being made, In addition, my credit report states the the account is CLOSED. I have made monthly payments on this loan every month since the account was opened in XXXX. The only explanation XXXX has given me is that I failed to enter into a reaffirmation agreement at the proper time. I explained I was unaware of the time limit, had no knowledge that this was necessary since I continued to make payments, and exempted this loan from my bankruptcy, XXXX XXXX (? ) was very rude in explaining that I should have had an attorney explain it to me. 

I filed bankruptcy in XXXX because I was in debt. A large part of that debt was to XXXX for a credit card. I was on a payment plan during XXXX, and allowed to make reduced payments. When the reduced payment plan ended, I requested that I be allowed to continue making reduced payments. They denied my request and my payments went back to the full amount. I fell behind on payments, once again, and made the difficult and embarrassing decision to file bankruptcy. One representative ( female ) told me that my mortgage payments were not being reported because of my credit card debt. I believe that is true. 

Since my bankruptcy, I have managed to raise my credit score to XXXX. I need my credit reports to accurately reflect my monthly mortgage payments so I can take advantage of lower interest rates. I recently purchased a vehicle and am paying a high interest rate. I was told if I had a history of mortgage payments, my rate would be lower. By refusing to report the payments I make every month, I am not able to refinance my home, or my vehicle. And my credit score will not get above where it is now. 

Your help in this matter is greatly 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 2021-12-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It is my greatest pleasure to have this opportunity to write to you this email. 
First of all, this incident did occur backed in XXXX, while I was on a transit to XXXX, XXXX XXXX. I made a transit through XXXX, when I arrived in XXXX and ready to continue through to XXXX to XXXX my final destination, the XXXX immigration officer at the post, insisted that I needed a transit visa to pass through XXXX. 

In fact, he made me missed my flight. I was stranded at the airport ; the following day, travel to XXXX to apply for transit visa, which don't require, but I did go to XXXX to apply for the visa at the British consulate to enable me to continue my travel. 

Furthermore, when I came back from XXXX, back to US after two weeks of my visitation there in XXXX, I started working and was fired by my Company that I was working with before travelling. Since then, no company hired me ; even if the company did hire me, I would be fired when they received my background result. Because none of the employers informed me the result of the background, this continued until XXXX when one company told why they were not able to give the job or hired me for the project. 

On the Other hand, they assisted me to filed a dispute ; by sending me a dispute form to fill a dispute form on that mistakenly report showing as a criminal code in my recorded report. 

I had indeed suffered, mentally, physically, emotionally, and economically as a result of this wrongly listed of record mistakenly in their XXXX XXXX databased. 

I have supporting document to share to upload for your review and consideration. for all most two decades, my entire life had been a strongly as result of negative record. 

My credit score had been damaged as a result of this episode, I couldn't get hired to earn an income that would enable me to pay my student load, even quite recently, when I apply SBA LOAN, I has been rejected as a result of my default student loan which wasn't a fault of my owned. 

I am appeal to you, to review case and assist me clear my name and my reputation. This had indeed destroyed my entire life. It had denied me of many opportunities despite, my achievement and had work. 

I will look forward to hearing from you soon Thank you Yours faithfully 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 2021-12-24 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: NC

Complaint narrative:
Account in litigation due to deception and predatory lending practices. Company found at fault. 

Account is also identified as an installment loan which is factually incorrect. The true account type for this account is a credit sale agreement. I have the right to an accurate credit file and discrepancies like this are 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 2021-12-24 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: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I ordered a product in the amount of {$210.00} from XXXX on XXXX XXXX, 2021. After waiting two months with no update, I contacted the merchant to inquire about shipping status on XXXX XXXX and XXXX XXXX. I received no response from the merchant so I opened a dispute with my credit card provider ( Apple Card / Goldman Sachs ) on XXXX XXXX. 

On XXXX XXXX, I was informed by Apple that my dispute had been denied due to the following reason : The evidence received confirms that you received a refund in the form of a voucher. For example, store credit or a voucher I did not receive a voucher, store credit, or anything of that sort. The merchant has not contacted me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was involved in a data breach with XXXX, and I see some inquiries on my report that I don't recognize.

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 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was involved in a data breach with XXXX, and I see some inquiries on my report that I don't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX Saturday XX/XX/XXXX, I initiated a wire transfer witch chase bank to take place on the next business day ( Monday XX/XX/XXXX ). On Monday XX/XX/XXXX the wire transfer status changed to completed and the money was withdrawn from my account. However the money never reached the recipient. I kept calling chase because domestic wire transfers usually shouldnt take longer then 24 hours, however they told me to that it was completed and to wait 3-5 business days maximum to see the money posted. I kept calling them and every time I was on hold for at least 45 minutes and every time I finally reached a live person they told me the same thing, the wire was successfuly completed without offering any sort of resolution. On Monday XX/XX/XXXX I called back again multiple times to initiate a wire recall, and after being on the phone for over 2 hours they just hung up. I called again on Wednesday XX/XX/XXXX, and was finally able to reach out to a representative who said they would initiate a wire recall. After spending hours on the phone waiting on hold and talking to customer service specialists who all told me the same thing. It took me almost 10 days to reach a specialist willing to try and offer assistance. However even after speaking over the phone regarding initiating the wire recall I have not received a confirmation or email anywhere that a recall was initiated, nor have I received the funds as of Friday XX/XX/XXXX. This money was sent with urgency and I expressed that to chase multiple times but know one was offering to help. Its been 2 weeks now and my recipient has yet to receive the domestic wire nor have I yet to receive a wire recall confirmation or the funds back into my account. As of now I have no idea where the money is in the process, and I will be changing banks when this issue is resolved. Customer service here is terrible and hold times on the phone are ridiculous. This is no way to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am making a complaint because I noticed inquiries reporting on my credit report that I don't recognize. According to 15 U.S. Code 1666, the Credit Bureaus are breaking the law and are violating my rights as a consumer. The CFPB is suppose to protect my rights. I am making complaint hoping that this issue can be solved. 


INQUIRIES : PLEASE DELETE ALL INQUIRIES XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion

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 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am making a complaint because I noticed inquiries reporting on my credit report that I don't recognize. According to 15 U.S. Code 1666, the Credit Bureaus are breaking the law and are violating my rights as a consumer. The CFPB is suppose to protect my rights. I am making complaint hoping that this issue can be solved. 


INQUIRIES : PLEASE DELETE ALL INQUIRIES Equifax XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation