vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act, the accounts listed below has violated my rights. 

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 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 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 2022-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THE REPORTING AGENGIES HAVE MY NAME WRONG AND ADDRESSES THAT DONT BELONG TO ME. THIS NEED TO BE CORRECTED IMMEDIATELY THIS IS A FORMAL COMPLAINT THAT THEY ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION. I AM DISTRESSES THAT YOU HAVE INCLUDED THE INFORMATION BELOW IN MY CREDIT PROFILE AND THAT YOU HAVE FAILED TO MAINTAIN REASONABLE PROCEDURES IN YOUR OPERATIONS TO ASSURE MAXIMUM POSSIBLE ACCURACY IN THE CREDIT REPORTS YOU PUBLISH. CREDIT REPORTING LAWS ENSURE THAT BUREAUS REPORT ONLY 100 % ACCURATE CREDIT INFORMATION. EVERY STEP MUST BE TAKEN TO ASSURE THE INFORMATION REPORTED IS COMPLETELY ACCURATE AND CORRECT.THE FOLLOWING INFORMATION THEREFORE NEEDS TO BE RE INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I was in forbearance with Select Portfolio Servicing. During my forbearance I was told that I had to pay {$390.00}. I would like to know where did they come up with {$390.00}? That is about the same I owe for taxes every month. I owe $ XXXX dollars or so in escrow fees. Why do I owe so much for my escrow when {$390.00} went to taxes. This is an offshoot of complaint # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Inaccurate information is reporting on my credit report and need to be removed. It's been 60 days and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to investigate these items within 30days give reason to immediately remove those items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please see my letters of complaint with the companies that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: AL

Complaint narrative:
My car went into the shop in XX/XX/2021, I made payments up until XXXX of 2021 when XXXX informed me that I could halt on my payments until I get my car back from the shop. It took them 6 months to fix my car. I got a call on XX/XX/XXXX to get my car back. The moment I went and got my car, I went straight to Car-mart and paid what was owed ( I have the receipt and paperwork ) and I asked them why my credit report showed repossession. I was assured from the assistant manager that corporate put false information and my report would be fixed. I made another payment a week and a half later. It's been 20 days and my report still say repossessed and closed. My car was never repossessed, and I am still making payments on this vehicle. I have contacted the lender and they told me that they could write a letter stating that my car was never repossessed and for me to dispute it on my report as well. I disputed it and it's been denied by the lender. I have contacted them multiple times regarding this, and they are refusing to fix this issue due to their system stating my account is active. I have receipts and paperwork to prove that my car was never repossessed it was in the shop. I have never been late on a payment with this company until they told me that halting my payments to get a rental car is what they suggest.

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 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MA

Complaint narrative:
I went to an ATM and withdrew {$400.00} plus the {$5.00} fee for using ATM on XX/XX/22 unfortunately the ATM did not dispense cash..never opened I immediately called the number on the Machine and they told me to contact my bank regarding receiving the funds back, they provided me with a reference # XXXX to help identity the transaction and sent an ATM tech to troubleshoot ATM. I have tried multiple times reaching out to Cash App support asking for Regluation E policy to be enacted yet no response or they reply with someone will get back to you. Its been a week tomorrow where is my money? Here is proof of escalation Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been making payments to my loan servicing company Select Portfolio Serving during my six-month long forbearance. Most of these payments were in excess of {$1200.00}. I only had to pay {$390.00}. I am very confused and dont understand where exactly did these funds go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act, the accounts listed below has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I notified Experian regarding an inaccurate information on my credit report and provided documentation to support my claim ( see below for what I provided ). I received confirmation via email that they received my letter and would begin a " robust investigation '' into my claim. Within XXXX hours they stated their investigation was complete and the item was valid ( with no explanation ) and my report was updated ( nothing changed on my credit report ). When I called into Experian and spoke to their customer service rep I asked them to provide me an explanation on why they found the item valid and she stated she could not provide it as it's confidential. When I advised her of all of the documentation provided she put me on hold while she reviewed it as she stated they had not opened the file yet. When she reviewed the documents she stated they will place another dispute and ensure a thorough review is done and contact me if additional information is needed. 

Within XXXX hours the dispute came back as valid, not 20 days, or 2 weeks, or even 2 days, but XXXX hours. Experian operated in bad faith as they did not thoroughly review the request and ensure the line item was valid.

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 2022-03-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a washer/dryer set from XXXX XXXX XXXX XXXX California XXXX The amount was {$1700.00}. I charged the total amount on my Home Depot credit card. 

The items were to be delivered and installed on XX/XX/XXXX. On XX/XX/XXXX at XXXX pm I received an email from XXXX XXXX stating that my items would be delivered on XX/XX/XXXX between XXXX am - XXXX am. 

The items were never delivered on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and spoke with both the acting store manager and my salesman who provided this information : The vendor stated that the items were shipped however per XXXX XXXX warehouse personnel, the items never arrived at the warehouse. 

As of today XX/XX/XXXX I have spoken with my salesman twice and four different XXXX XXXX managers. 

Today, XX/XX/XXXX, the acting XXXX XXXX manager told me that even though the items were never delivered to me ie missing, she could not refund my money because the items were never received in the warehouse. I told her to order another set and cancel the first set. She said she could order another set but I would have to pay an additional {$1700.00}. I declined that ridiculous offer. 

After speaking with the acting manager today I called Home Depot credit card services and spoke with XXXX. I explained the situation and told him I wanted to dispute the charges since I have never received the merchandise even though I incurred a charge of {$1700.00}. 

XXXX gave me the following information : 1. The charges started billing on XX/XX/XXXX 2. He can not remove, stop, or put a hold on the charges 3. He can not contact the store 4. I have to work directly with the store This is a violation of trust. I now have a charge of {$1700.00} and nothing to show for it. 

I thank you in advance for your assistance.

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 2022-03-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act, the accounts listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account number different between bureaus ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 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 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 non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Aidvantage has taken over my student loan debt from Navient. To date, I have paid over {$220000.00} and had a remaining balance of {$49000.00} in federal student loans. Since the student loan relief due to covid crisis, loan payments and interest have been paused for these federal loan. I recently checked my balance and see that as of XXXX of this year, Aidvantage adjusted my bill by {$80000.00} bringing my total loan balance to over {$120000.00}. There was no explanation or notification as to why, much less is there any justification. I have contacted the company on their portal and via phone about this faulty information that they have added to my account but to date I have received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I recently noticed I have been a victim of identity theft. There are some accounts that were opened in my name that I did not open.

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 2022-03-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Companies have already reported to IRS that Taxpayer received a gain from previous debt written off. The companies such as USAA # XXXX {$10000.00} XXXX XXXX XXXX # XXXX {$17000.00} XXXX # XXXX {$1800.00} have been reporting unpaid balance since XXXX after Consumer notified each Company by letter of Insolvency and XXXX XXXX XXXX would be handling all payments based on Consumer hiring XXXX to handle all debts directly with Creditors. 
Customer sent letters several times to each of these Creditors explaining the circumstances and that there's no longer any valid contract and the debt amounts are not correct and some turned over to Third Party Debt Collection Agency ; even after Consumer notified each Creditor that due to enrollment into Debt Collection Program ; each decided to keep on reporting negative information and showing an unpaid balance ; even after writing the debt off and reporting it as a gain for the Consumer on his 1040! 
These Creditors were written in XXXX along with sending each Credit Bureau a letter explaining that the debts were not mine and were no longer owed, balances incorrect, sold to Third Parties Debt Collectors ; contract not valid or with current signature and date! 
The continued reporting of these so called debts must be deleted from all my Credit Reports due to the fact each Creditor wrote the debt off! Also it has been over 4 years since each Creditor was notified to remove and delete the negative statements and unpaid amounts! Since Customer did notify them in XX/XX/XXXX of being enrolled with XXXX XXXX XXXX why are these Creditors still allowed to report negative information when Creditor provided reasonable documentation and payment plan from XXXX back in XXXX? 
These Creditors must remove and delete all information regarding unpaid balance because Consumer does not owe any balance nor is making any monthly payments! 
Please delete these accounts because they serve no purpose but reporting negative information which is not accurate! 
This information regarding a list of liabilities was on application for refinance of mortgage XX/XX/XXXX with XXXX XXXX I've already sent documents in the past regarding same subject matter with negative results because the Creditors are still being allowed to report inaccurate information which must be deleted entirely from all my Credit Reports!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Inaccurate information is reporting on my credit report and need to be removed. It's been 60 days and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to investigate these items within 30days give reason to immediately remove those items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please see my letters of complaint with the companies that is attached.

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 2022-03-26 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:
Inaccurate information is reporting on my credit report and need to be removed. It's been 60 days and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to investigate these items within 30days give reason to immediately remove those items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please see my letters of complaint with the companies that is attached.

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 2022-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Our Account with Capital one has always been set to auto pay. We received a notice that we owed {$110.00} and our minimum payment of {$25.00} was missed and they reported that we were 30 days late in XX/XX/2022. This brought my Credit Score down XXXX points. This issue that I have is inaccurate Reporting by Capital One. They are claiming that we are 30 days late, and I spoke with a supervisor, and he stated that we were late on XX/XX/2022 and XX/XX/2022. With this said, Capital One 's claim is that we were 60 days late. The Credit bureau is showing 30 days late. As stated, we had our account on auto pay. If you look at my credit report, my credit is excellent, and there is no indication of habitual late payments. We want our account history cleared, and to show current and paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
They refuse to let me use my card that I was approved for give me hard time this isnt fair what a horrible bank and experience they wont let me use my account

Company response to consumer: Closed with explanation