vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
TRANSUNION has not responded to my concern in a timely manner. According to the CFPB XXXX XXXX has admitted that ALL credit reporting agencies have committed consumer violation and have NOT been handling complaints carefully and responsibly. I so believe TRANSUNION has ignored my demand and has continued to federally violate me willfully. I am devastated and hurt by this both mentally and physically. I am not disputing anything I am DEMANDING TRANSUNION exercise their GRAVE DUTIES to report accordingly and respectfully on the consumer to insure confidence in the banking system. I will no longer extend my credit until TRANSUNION has settled the matter IN GOOD FAITH and remove demanded accounts from my reputation

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 2022-10-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
On XX/XX/XXXX, after much frustration with inaccurate information from my mortgage company, and after filing a detailed complaint here I received, in writing, a promise to honor a lower interest rate on my recent loan modification at 4.72 %. At that time, the representative who identified himself as a XXXX XXXX XXXX ( XXXX XXXX I believe ) stated that new documents would be expedited and sent to me within approximately 2 weeks. After several calls to follow up on this, and after being told various things ( including that the underwriters would draft a new agreement with the original 4.0 % interest rate ) a representative escalated my call and I spoke to a XXXX XXXX who assured me that he would get to the bottom of the issue and that I would hear back directly from him within a matter of days. That was on XX/XX/XXXX and I still have not heard anything. I did verify my contact information with him before ending that call. The original response to my first complaint is documented in this forum. I want them to make good on that offer as through no fault of my own, I was unable to take advantage of the lower interest rates due to non-delivery of time-sensitive documents on multiple occasions.

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 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I needed to get an emergency car repair and I used my Avant credit card to cover the expenses. The total of the bill came up to {$450.00} and I had {$500.00} available credit because I had recently paid the account balance in full by making a payment of {$500.00} on XX/XX/2022 after making on time monthly payments and paying the balance in full several times. I called the credit card company of which I was told that my credit limit was decreased and I currently had a credit limit of {$300.00} and that they could not tell me the reason for the decrease although I had a {$0.00} account balance. I requested a supervisor and the agent disconnected the call. I then tried to use the card for the {$300.00} available limit and the card was declined and I tried to use the card for {$250.00} and the card was declined again. I called the credit card company again and requested to speak to a supervisor again and when I was connected to the supervisor I was notified that she could not tell me why my credit line was decreased but I would receive a letter in writing notifying me of the adverse action that I would receive in the mail in XXXX days and that there was a block on my card because of the declined {$450.00} transaction. The supervisor removed the block from my card and I made a complaint against the company. I then completed a partial transaction for {$300.00} with the unblocked available credit and I then logged into my online account and I noticed an over the limit fee and additional fees are still pending. I was not notified of the adverse action or the change in terms of the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have notified XXXX over and over again about this incorrect information. I have called and written them dating back from XXXX. 
I have provided accurate and up to date information regarding my auto loan which was paid satisfactorily and NOT INCLUDED IN MY BANKRUPTCY as XXXX continues to report causing a dip in my score. I have sent in documentation showing proof that my auto loan account was paid in full from the lien holder continuously but XXXX will not update the information.

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 2022-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunlight Financial LLC
State: MI

Complaint narrative:
I had been financed through them for solar panels by XXXX XXXX XXXX XXXX that put them in. My panels weren't even working and they where making me pay for something that didn't even work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent requests to both XXXX and Equifax for the original instrument of indebtedness to prove I owe over {$10000.00} in student loan debt. It has been over 30 days and I have not received it. I have called Equifax to have the debt removed and they have refused and can not tell me what information they have been given to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
The hospital is trying to collect a debt, the insurance company paid the hospital bill. 

On the Explanation of Benefits states. 
" PAYMENT FOR THIS SERVICE MAY HAVE BEEN REDUCED. THE SERVICE WAS DONE BY A NETWORK PROVIDER. THIS MEANS THE PROVIDER HAS AGREED TO ACCEPT THE CONTRACTED AMOUNT, LESS ANY PRICING CHANGES DUE TO MODIFIER ( S ) THAT MAY HAVE BEEN SUBMITTED ON THE CLAIM, AS PAYMENT IN FULL '' The hospital is an in-network provider and should not be charging me any amount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/22, fraud activity detected and reporter on my checking account for the amounts of {$400.00}, {$350.00} and {$350.00}. Only XXXX amount of {$350.00} was deducted from my checkings account. I reported it to Wells Fargo claims department and I was given a claim number to follow up on this. I was reassured by people on the phone as well as people working on my local Wells Fargo that these things happen but are very easy to resolve and get your money back. I called today, XX/XX/22 to follow up on it since the amount of {$350.00} had not been reimbursed to my account and after talking to multiple people and being on the phone for XXXX min, the guy told me that the investigation rejected my claim and that I was not going to get my money back. No explanation given and when I asked for a supervisor or someone else I could talk to about this, he said that there was no one else I could talk to and even if there was, it was not going to make a difference, the decision was made. 

This is my first experience with fraud activity in my accounts and I have been a Wells Fargo customer for the last 15 years. To say I am beyond disappointed and frustrated with them, is an understatement. This is hard working money that they are disregarding. At this point I am considering switching banks as I don't feel like I can trust them with my finances if they will not support me when fraud activity is happening. 

I have letters from Wells Fargo regarding my claim, however, they contain my personal information. I am able to provide these if they are needed in future steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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:
On XXXX I contacted Transunion and mailed numerous documents regarding my being a victim of Identity Theft and certain info that needs to be blocked and removed as a direct result of Identity Theft as shown in my credit report file # XXXX. XXXX and XXXX complied, yet Transunion declined my request to block inaccurate info due to Identity Theft. With my request, I included the multiple FTC Reports that listed the specific accounts compromised, a detailed list of inaccurate info that should be blocked and removed immediately, a copy of FCRA 605 ( b ), and proof of identity documents such as my drivers license and SS card. Transunion sent me a letter dated XXXX refusing to honor such a request. Transunion never opened any investigation into these items whatsoever to even determine the validity. If they had, then they would have quickly seen I was a victim of Identity Theft and determined such accounts listed to be blocked and removed from reporting as they are the direct result of Identity Theft. 

I have always had so much trouble with Transunion as they pick and choose what laws to follow and when to open/close investigations if even done properly.

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 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I called FedLoan Servicing on XX/XX/2022 to have my student loan payment refunded. I called XX/XX/2022 for an update, but there is no progress on the refund request. I'm not even sure if they sent an application for my initial request for a refund. I checked my account today ( XX/XX/2022 ) and saw that my loan information is gone entirely. Previously, it shows my loan amount and that it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XX/XX/XXXX - Opened account XXXX XX/XX/XXXX - XXXX CFPB Complaint with Welcome Bonus I did speak to a representative, My company is XXXX XXXX its doing business under my name. In the state of Michigan we do not have to register for XXXX XXXX so I don't know of any specific additional document you would want. I did provide a tax documents which had a description error which lead to my account to be locked. 
XX/XX/XXXX - Tried to closed after receiving a fraud alert. The banking would not do anything but repeatedly say the account is locked ... My records indicate I should have roughly {$27.00} plus or minus. I just want this account closed as I do not use it for my XXXX XXXX business account. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX user XXXX is a scammer with the name of XXXX XXXX. Sent {$1200.00} via Zelle to a her and a XXXX on XXXX who is still operating and asking for more from me! Also stole my debit card info but were unsuccessful charging it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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: Exeter Finance, LLC.
State: VA

Complaint narrative:
Car loan is paid in full but showing closed wrote off as bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
EXPERIAN has not responded to my concern in a timely manner. According to the CFPB XXXX XXXX has admitted that ALL credit reporting agencies have committed consumer violation and have NOT been handling complaints carefully and responsibly. I so believe EXPERIAN has ignored my demand and has continued to federally violate me willfully. I am devastated and hurt by this both mentally and physically. I am not disputing anything I am DEMANDING EXPERIAN exercise their GRAVE DUTIES to report accordingly and respectfully on the consumer to insure confidence in the banking system. I will no longer extend my credit until EXPERIAN has settled the matter IN GOOD FAITH and remove demanded accounts from my reputation

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 2022-10-20 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: GA

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX XXXX and they submitted a loan amount of {$30000.00} to XXXX XXXX XXXX XXXX. The name of the representative was XXXX XXXX. He told me the company was a tax debt relief company that worked very close to with the IRS, wiped out the tax debt, stop liens from IRS. He sounded very convincing. He even called the IRS so that we could speak with someone but could never get them on the phone. I was told I could call back and cancel at any time by XX/XX/XXXX. I have been calling the company since XX/XX/XXXX, to now and still can't get in touch with the representative or anyone. I haven't heard anything from XXXX XXXX and XXXX XXXX XXXX XXXX. I was still in the mist of collection activity with this company, and they still reported me to the credit reporting agency. That is a violation of Federal Law. They never resolved my dispute. This needs to be deleted from my credit report 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 2022-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX a {$32.00} charge for monthly parking pass by XXXX XXXX XXXX ( XXXX ). Was told by XXXX that the monthly pass could not be used by XXXX  after purchase, and to dispute with credit card company, as no refund would be issued. Capital One was the issuer for which a dispute was filed days later on XXXX. 

In early XXXX, I reached out to Capital One Dispute Center and they stated that they asked for detailed letter outlining complaint after dispute was made, and in the digital resolution letter I never received it stated " confirmation no cancellation policy was received '' ( attached ) and therefore the {$32.00} would not be credited to my account permanently. 

Reached out to Capital One again on XXXX, saying I did not receive digital notification of this, upon noticing the charge-back, and the Capital One call representative asked for a detailed letter of the dispute ( attached ), responding hours later that it had been over 60 days ( it was not ) and to contact the merchant. Furthering this ordeal, I reached out to Capital One again on the morning of XXXX and they again asked for a letter detailing the issue, and once again issued a letter saying I did not provide what they asked for ( attached ) and the matter was resolved to contact the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20 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: PA

Complaint narrative:
I cancelled my credit monitoring services with Experian this month. I have XXXX days left to reactivate them, and now I have a ding on my credit from an " overdue bill ''. My Experian report only is showing a newly delinquent gas bill from XXXX XXXX XXXX. The collections company listed is XXXX XXXX, which is self reported as a company that works closely with Experian. I have filed a dispute with Experian on this supposedly overdue amount. Although I can not see the full account number for the gas bill on this account, the first XXXX digits that are visible do not match any gas bills from my previously held accounts ( which were closed in 2020 ). I have not lived in XXXX in a year, which can be proven with last years tax returns, my drivers license, paystubs, etc. I also have not ever received a collections letter from XXXX or any associated company prior to this ping on my credit.

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 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I disputed the the debt attempted to being collected. I have mailed out a letter asking to properly verify the debt showing original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The company has sent over a hand written note stating I owe {$490.00}. This piece of paper does not have a contract with both parties signature agreeing to this debt. Also this piece of paper is not identifiable. It does not state my name or the company name nor does it have my signature on this paper.I was not given a FULL consumer contract with my signature on it. I have attached a letter from my credit report that corresponds with my payment history. i paid my rent through their system called XXXX. My credit corresponds and states that I paid my rent up until XXXX of XXXX. Why am I being charged for XXXX rent. 

This company has NO DATE on the invoice. No COMPANY NAME on invoice. No signature. No contract on this invoice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation