vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 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: AZ

Complaint narrative:
XX/XX/XXXX i sent a letter to the company requesting the methods used to verify the said items on my credit and currently seems to ignore my request. I was recently looking to purchase a house so want this issue resolved 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 explanation
Consumer complaint received 2023-07-27 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: MO

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: MO

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: CA

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX {$6800.00} / {$5200.00} XXXX. XXXX XXXX XXXX acct # XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$750.00} IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT Experian, XXXX XXXX, XXXX HAS VIOLATED MY RIGHTS AS FOLLOWING 15 U.S.C.1681 SECTION 602A STATES I HAVE THE RIGHT TO MY PRIVACY 15 U.S.C. 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/ Account opened with wire transfer for initial deposit of {$6000.00} online after a promo for a XXXX XXXX checking account was received in the mail. 
XX/XX/23 I called in to get the full account number to set up online access and switch over my autodrafts, but they refused to give it to me even after verifying my identity and business information. 
XX/XX/23 I still have no access to the wired funds and no full account number and no online access and called in. Was advised to switch mailing address for business checking account by submitting a signed letter via email so they can change the mailing address for direct receipt of the refund. I requested account closure. US Bank requested a address change letter since account opening disclosures were not yet received ( at business mailing address ) since account was so new. Letter requested mailing address be updated to my personal address so refund can be received timely. 
XX/XX/23 Email sent to XXXX using XXXX XXXX XXXX. I requested account closure in writing and refund to be expedited. 
XX/XX/23 Inbound call from US Bank stating letter received, but must be notarized. 
XX/XX/23 I emailed the notarized address change request letter. 
XX/XX/23 A followup email was sent after no refund was received almost 30 day later advising no payment had been received. 
XX/XX/23 I called in to followup and was told the check was stop paid since it was mailed to the old address and was re-issued. Then was transferred to a manager who advised refund was not re-issued yet as they sent out an Affidavit of Loss via postal that I would have to get notarized and send back to get them to reissue to refund. I objected stating they made a mistake, not me, and need to simply correct their error without having me to do additional tasks. I requested higher escalation and was promised a call back without resolution. 
XX/XX/23 I called in to followup as no mgr has called me back, and no Affadavit has been received for me to sign, and no refund is even on its way according to U.S. Bank. I XXXX XXXXXXXX today who advised the address change letter was never processed properly and he would send to Business Services Dept to process the address change so the chain-of-never-ending requests can start again. He advised once the address is changed, the original check can be stop paid and somehow all this will eventually lead to my refund being issued. 
I am in limbo and 2 months later this company is still playing with me and holding my money. 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 explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
Robinhood has recently added a link debit card feature for instant transfers in/out of the account. Ive tried out the service, which only allows you to link 1 debit card at a time, with 2 separate cards. Now that Im attempting to add another card, Im getting an error that the maximum amount of cards have been linked, please use a card youve already verified. 

When I first chatted with support, I was told its an ongoing problem that multiple customers are facing, and theyre working on the issue - theres no time frame for when it will be resolved. 

Almost a week later, I called support and the agent XXXX told me that theres a maximum limit of 2 debit cards linked to Robinhood for the lifetime of the account. This is the opposite of what the first agent told me, and doesnt make sense, as Robinhood did not disclose any limit before/during the process of linking a card. I requested for XXXX to transfer me to a supervisor but she refused and stated she would escalate. I still havent heard anything from a supervisor or manager.

Robinhood consistently has terrible customer service with opposite responses between level one support agents. They make it nearly impossible to get in touch with higher level management because they seem to lack internal transfers in their phone system. 

I need real clarification from a supervisor/manager regarding this limit for debit cards. If the 2 card limit is true, I need both previous cards to be removed from my account so I can add my new preferred card ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: NC

Complaint narrative:
In XXXX XXXX XXXX, I realized that on my report their was inaccurate information being reported. The credit card is from XXXX XXXX XXXX  opened on XXXX XXXX XXXX. I have reached out to the company to get removed but no luck. Please remove this fraudulent account!

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 2023-07-27 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: NC

Complaint narrative:
In XXXXXXXX XXXX XXXX I realized that on my report their was inaccurate information being reported. The credit card is from XXXX XXXX XXXX  opened on XXXXXXXX XXXX XXXX. I have reached out to the company to get removed but no luck. Please remove this fraudulent account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: NC

Complaint narrative:
In XXXXXXXX XXXX XXXX, I realized that on my report their was inaccurate information being reported. The credit card is from XXXX XXXX bank opened on XXXXXXXX XXXX XXXX I have reached out to the company to get removed but no luck. Please remove this fraudulent account!

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 2023-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist bank Mobile deposit XX/XX/XXXX - on XX/XX/XXXX between XXXX and XXXX XXXX I made a mobile deposit for a check for {$2900.00}, Ive been with bb & t/truist for over 8 years and also have my auto loan through them. Money goes in and out of my account every month to atleast pay for my car loan and Ive done multiple mobile deposit before. The have put an administrative hold on the check and says that my money wont be available until XX/XX/XXXX. I dont see why there is a hold being that the check is from an insurance company to pay for a comprehensive collision I was in. My car is currently needing to be paid for, I have to get to work I have bills to pay and also Im struggling at that so it doesnt make it any better. That means I would have to struggle to go and make my money for the day cause I wont be able to get my car for another week! Ive called this on XX/XX/XXXX and the first represntive told me that my money was deposited on XX/XX/XXXX and should be in the account on XX/XX/XXXX, I was a little skeptical about that because Im clearly looking at the app and mobile deposit receipt and it says XXXX so then i decide to call a few hours later with little to no help at all and was told the check has to be verified first and would have to wait to access any of my money. This isnt the only problem every time I try to send money to my checking account on truist the payment fails but works with my other bank chase. I get that there could be good reasons for this but seemingly everyone has been having this problem since a the merger with little to no help putting them in tonight positions and something should be done about it. This is really giving me a debate on Wether to continue banking with truist or not.

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 2023-07-27 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: MO

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2023-07-27 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: DISCOVER BANK
State: TX

Complaint narrative:
My credit reports have two new accounts open that are not mine. My Social Security number has been compromised. XXXXXXXX XXXX and Discover are not mine. Please help. I do have a freeze put on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: NJ

Complaint narrative:
I have 3 unauthorized hard inquiries on my credit and I would like them removed. 

Dates are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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 have sent several letters to XXXX Equifax and XXXX about some inquiries on my credit report that were not authorized and since they are fraud should be removed from my credit file, however, they refuse to remove them off my report so I believe they are committing acts fraud right along with the company that is doing the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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 have sent several letters to XXXX XXXX and Experian about some inquiries on my credit report that were not authorized and since they are fraud should be removed from my credit file, however, they refuse to remove them off my report so I believe they are committing acts fraud right along with the company that is doing the reporting.

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 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Bloomingdales charge a {$300.00} aCH payment to my XXXX  XXXX XXXX account. I tried contacting XXXX  XXXX XXXX and Bloomingdales and received no help. Theyre stating it takes 2 to 3 months to resolve the issue. I have other payments due that will be late because I do not have the funds. The funds were stolen from me.

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 2023-07-27 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-07-27 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX i tried to pay my mortgage, but since this is my last payment the website doesnt allow me to make the last payment of XXXX. The website will only allow me to pay XXXX i make a payment in this amount and then call RightPath servicing to find out what i need to make a final payment. The phone rep says i can pay only with a certiefied check or by wire since that is company policy. When i ask for the payoff amount I am told i can have it immediate for {$25.00} dollars or it can be mailed at no charge. I choose mail and ask what will happen to the payment i made. the rep says it will be rejected because it is lower then the normal monthly payment. The final payment total is available online on XX/XX/XXXX in my account documents. i send the amount of XXXX by wire that morning. On XX/XX/XXXX the payment of XXXX that i was told would be rejected is withdrawn from my account leaving my checking overdrawn by {$580.00} dollars. My wife and I both call RightPath servicing and are told there is nothing they can do at this time until it clears and then we can send a statement from my bank so we can recover our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: AZ

Complaint narrative:
on XX/XX/25 i mailed transunion a request in regards to my credit having things that were causing me issues in my home buying process. They have ignored my request which i know as a consumer they are required to process

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 2023-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: WI

Complaint narrative:
On XX/XX/2023 a request was placed with Lennar Mortgage to pull my file from them to place with another mortgage company. On XX/XX/2023 a call was placed to me from Lennar mortgage asking for additional details on my employment background and they requested a letter from employer. Because I was switching to a new lender I did not provide. They did not send case to new lender so I made request in writing on XX/XX/2023 via email. They ignored request for file transfer. Due to being a FHA loan this is a required step in the process. Instead of transferring file they waited 3 days and rejected file affecting my ability to obtain a mortgage for 6 months. When my current home is a week from closing. So with kids and no home. They made a decision with incomplete information and did not count half my income. They did not complete a through review of income and did not have complete information to make a reject noting my credit file. Their reject was spiteful and un professional.

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 2023-07-27 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: NC

Complaint narrative:
In XXXX of XXXX, I realized that on my report their was inaccurate information being reported. The auto loan is from XXXX XXXX XXXX opened on XXXX XXXX XXXX I have reached out to the company to get removed but no luck. Please remove this fraudulent account!

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 2023-07-27 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: NC

Complaint narrative:
In XXXX of XXXX, I realized that on my report their was inaccurate information being reported. The auto loan is from XXXX XXXX XXXX opened on XXXX of XXXX. I have reached out to the company to get removed but no luck. Please remove this fraudulent account!

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