vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex was offering a XXXX bonus points promo for spending {$4000.00} within the first XXXX months of having the AMEX gold card. I opened the card in early XXXX and met the spend limit by the end of XXXX. The points were supposed to be credited after meeting the spend. I never received them. I have contacted AMEX a XXXX XXXX times. Each time they say they're investigating, and tell me the investigation will take another XXXX weeks. They have told me there is a need for a new investigation every time I have contacted them and have continued the pattern for almost XXXX months. They have confirmed I should have received the points, but each time they tell me I will get them in XXXX weeks. I check back after XXXX weeks and they say " we don't know why you didn't get the points, we need to conduct an investigation that will take another XXXX weeks ''. This has occurred XXXX separate times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH XXXX, XXXX FOR ( {$2300.00} ) ISN'T MINE. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]

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 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Amos Financial LLC
State: TX

Complaint narrative:
Amos Financial LLC sent me an Affidavit in XX/XX/XXXX stating foreclosure on Dallas property that was filed in Illinois. Previously in XXXX I asked for verification of debt and never received it. I also never received an initial contact letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: IL

Complaint narrative:
I check my credit often and I noticed my score went down almost 100 points. There is a collection on my credit for {$600.00} by G C services. The original creditor is XXXX. I contacted XXXX and they confirmed I do not have a balance due. I do in fact have current services with xfinity but this account is different than mine. My xfinity account is for internet and there is no past due balance. I called xfinity to confirm and an agent told me I do not have a past due balance or any other account in my name. When I contacted G C services and asked why this was on my credit, they told me that my social was used so the debt is verified. I have never had xfinity mobile services in my life I only have home internet and the other account that G C services claims I have is with a different address that is not mine. I do not believe I should have to pay on a debt that is not mine and hasnt been proven to be mine. XXXX says I do not owe any balance and Im confused as to how a collection agency is trying to collect debt from me for services I have not used. I was also never called, mailed, or sent anything about this debt i only knew about it from checking my credit on experian.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I ordered an XXXX video game system from XXXX using the XXXX XXXX All Access plan, which is a payment plan where you pay a monthly fee over XXXX  years to pay off the XXXX and get access to their subscription service ( it's like a phone plan ). I received the XXXX, but it stopped working within a few days. XXXX had no replacements available so I had to return it. I mailed the device back on XX/XX/XXXX, which was confirmed by XXXX. On XX/XX/XXXX, I received an e-mail asking from Citizens Bank ( which administers the XXXX XXXX plan ) asking for payment. I called them and explained the account was cancelled, and sent them documentation vial e-mail on XX/XX/XXXX. On XX/XX/XXXX, I received a statement showing no balance was due. On XX/XX/XXXX, I received alerts from my credit card companies that my credit score had declined significantly. I checked online and saw that XXXX and XXXX said that I had a delinquent account from Citizen 's Bank, reported in XX/XX/XXXX ; I checked the details, and it doesn't indicate any amount due and doesn't say missed payments or anything like that. I filed disputes with XXXX and XXXX, but I have not heard anything. I've been trying to call Citizen 's Bank, but the people I've talked to don't know how to fix this. My credit score has gone down by XXXX points for literally no reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I attempted to pay my XX/XX/XXXX mortgage payment serviced by Mr. Cooper. Mr. Cooper bought my loan from XXXX in XXXX of XXXX. When I attempted to pay it it showed an increased required payment of {$1400.00} when our fixed rate payment had been {$930.00}. Our insurance and escrow had not increased by {$6000.00} per year since last year. When I called to inquire about the steep increase they said that they had taken out lender placed insurance because we did not have insurance on the property. They did this without my knowledge or consent. Upon further investigation a Mr. Cooper representative found our current valid home owners policy in their files. The lender placed policy they took out was from XXXX of their own subsidiaries. I feel as though this was done in an effort to defraud me and my family and had I not caught the error they would have made no attempt to resolve the issue. They currently show negative escrow balance of - {$3600.00} due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: NY

Complaint narrative:
I made a purchase in XXXX via XXXX using my Chime XXXX XXXXr card. Unfortunately I never received the product ( it was sent back to the merchant ), but I was still being charged. XXXX couldn't do anything & the vendor was refusing to refund my money, so I did a dispute with Chime. Even after providing proof that the item was sent back to the merchant, they closed the dispute in the merchant 's favor. Due to this, I closed the card. A few days later, the merchant FINALLY credited the money back, but since the account was closed, it was sitting in " limbo ''. I was told by multiple representatives and even a supervisor that once all final charges hit ( which made no sense because I couldn't spend what wasn't available on the card ), the funds will be sent to me. First, they said it would be transferred to the checking account that I have open, but then I was told it couldn't be. I was later told a refund check would be sent.. and I'm still WAITING. I filed a complaint with the XXXX and Chime went in circles & the XXXX dispute specialist suggested I make a complaint with the CFPB as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have disputed this account several times and the last time was XXXX XXXX. I was told if I paid this account off in full this account would be removed from all XXXX consumer reporting agencies. The balance is XXXX but its still reporting and when I spoke with the representative years ago I was told it would be removed thats why I paid the debt in full. I feel this was misrepresentation and illegal if they did not hold up their end in removing the debt like they said they would.

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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Had a account with Coinbase, funds were transferred out of the account only to find that the money was redirected back into the account after a month, account was closed unexpectedly, and now can not access account or funds in the account, phoned Coinbase customer service, they see account and funds but have not given me access, been over a month of dialogue, looking at other options

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I received a notification from XXXX XXXX that I had a TJ Maxx Mastercard account closed. When logging into the credit card account, there was no indication that the account was closed. Upon calling the company, I was told the credit bureau notified them that I was not a good candidate. I have never had a late payment and even have an increased annual income from last year. The only thing that has changed is that I bought a house. So naturally my utilization rate is high with a new home loan added. If I wasnt a reliable customer then I would not have been able to get approved for a mortgage with a good rate as a single person. This is obviously a situation where there is some nuance and the company has no policy regarding a gray area. I have been a customer for over 5 years with 100 % of payments on time. In a matter of months my credit score will be right back where it was but instead my account was closed with no notification or inquiry. Also of note, this is the only company that has had an issue with my 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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This complaint is been file against TransUnion LLC. They are reporting incorrect and misleading information on my credit report. 

Complaint # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX and XX/XX/XXXX TransUnion reported my payment as current. In XX/XX/XXXX they reported 30 days late, XX/XX/XXXX they reported 60 days late, XX/XX/XXXX they reported 90 days late. According to TransUnion I was late 180 days. How can I be 180 days late when my payment was current in XX/XX/XXXX and XX/XX/XXXX? From XX/XX/XXXX to XX/XX/XXXX they put an X on my credit report, which means unknown. This reporting in incorrect and misleading. I have wrote to TransUnion many times over several months and they refused to delete. 

Complaint # XXXX XX/XX/XXXX to XXXX of XXXX TransUnion put an X on my credit report, which means unknown. In XX/XX/XXXX TransUnion reported on my credit 120 days late. How can I be 120 days late in XX/XX/XXXX if the prior 4 months are reported unknown? 
Because of this I have problems sleeping and nights, my marriage is suffering due to XXXX XXXX XXXX XXXX XXXX XXXX not only that I'm having XXXX XXXX. I am a XXXX XXXX XXXX XXXXXXXX XXXX and I can't apply to certain jobs because of all these incorrect and misleading information on 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 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
This company is trying to collect debt from me they're in violation of XXXX XXXX XXXX & XXXX XXXX XXXX I would like to dispute all claims from my credit report and have it cleared from my credit I would also like to rescind the claim as I've paid for this property without knowledge of me paying

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a collection on my credit from XXXX XXXX XXXX ; first delinquency XX/XX/2022 with a status date of XX/XX/2022 ; date assigned XX/XX/2022. It's for a utility company based out of Texas called XXXX XXXX XXXX XXXX for an amount of {$620.00}. 

I have disputed this collection with Equifax XXXX times and each time Equifax states it is mine. I reached out to XXXX XXXX and provided some identifying info and they state it was a mistake. 

How do I get Equifax to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I looked at my Equifax credit report and noticed many accounts and other items that don't relate to anything I've done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I have been disputing this inaccurate account with Harvest Associates for sometime now. I sent them a letter on XX/XX/2022 and here is the tracking to prove it XXXX XXXX XXXX XXXX XXXX. I asked them to validate this account and provide sufficient documents and proof as to where this debt came from and all I received was a letter stating that they feel the account is verified with the balance they say I owe and the name of the creditor. This is not validation of debt and if they are not able to provide valid proof this account should be deleted from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
When I traded the truck. The dealer got the payoff and paid it. Well fargo sent me a bill and put it on my credit report in collections for years. I had to pay credit repair company to finally get it off. I bought the truck in XXXX from XXXX XXXX in XXXX mi. I traded it in XXXX in XXXX of XXXX at XXXX XXXX in XXXX Michigan.

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 2023-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I XXXX  XXXX my cking account thought ihad XXXX XXXX  but was unaware of my over draft they did not contract me for many months they could of called i have a land line first notice was a forclosure notice i donot have wifi or internet or a computer

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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This bank has continually charged a late fee on payments, made one or two days after the due date. The fees are excessive and I have tried to remedy the situation with the bank in XX/XX/2022.

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 2023-01-19 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: MS

Complaint narrative:
On XX/XX/XXXX my credit report was obtained by XXXX & XXXX XXXX ; sBRC from XXXX. Again on XXXX XXXX my credit was obtained by XXXX XXXX XXXX from XXXX and Transunion. Also on XXXX XXXX XXXX XXXX ( XXXX XXXX ) obtained a copy of my credit report from Transunion. I have NEVER authorized either XXXX of these companies to obtain a copy of my credit report. Infact, there was a credit freeze in place on all XXXX of my credit reports at the times of all credit inquiries so I don't know how they were able to obtain it. I've reached out to XXXX & Transunion numerous of times and each time they say that credit inquiries are factual data and therefore will remain on my report. I'm here to say this indeed is NOT factual data because I NEVER authorized neither of these companies to check my credit from either of the credit reporting Bureaus. 
I'm asking the CFPB to look into this and have both XXXX and Transunion remove all of these unauthorized credit inquiries from my rcredit report as it is hindering me from obtaining future credit. 

Thanks, 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 2023-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My concern is the modification of the second mortgage dont understand why I have a second 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