vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.

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 2023-06-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I orderd a {$600.00} Flute from XXXX XXXX XXXX website using my Synchrony Bank / TJX Platinum Mastercard the item was never delivered/sent to me as promised as indicated on my confirmation of sale email from the seller XXXX XXXX XXXX. On the seller website when I placed my order the delivery date was 90 to 180 days for the flute to be made and sent to me as indicated on my confirmation email from the seller. I emailed the seller asking about the item after waiting 180 days and was told that the item was not done I asked the seller to cancel my order the sellers response was they don't offer refunds. I then placed a dispute with my credit card company Synchrony Bank / TJX Platinum Mastercard I provided the confirmation sales email that indicated the 90 to 180 days for completion. Synchrony Bank / TJX Platinum Mastercard denied my chargeback as the seller claimed that I agreed to wait XXXX months or a year or however long it would take to send the item out to me, that is compltely untrue and I have the confirmation email that indicates otherwise. The seller changed the dates because they were taking orders that they were unable to fufull in the timeframe that I was given when I placed my order on XX/XX/XXXX. I tried to dispute the charge agin as I still have never received the item and the dispute was denied agin and the seller calmed that the item was deleverd but no proof of that because the item was never sent out. I have a confirmation of sale email from this seller and you can check the shipment status it clearly shows the item was never sent out. I ordered another item from this seller before this and on that confirmation email the status shows delivered. I have placed a complaint with the XXXX XXXX XXXX and the XXXX tried to make contact with the seller multiple times and did not get a response. My complant about XXXX XXXX XXXX is listed online with the XXXX. I will continue to dispute this charge I agreed to the the item being sent out in the time frame on my confirmation email and the website on XX/XX/XXXX ( XXXX to 180 days ). The merchant has changed the their website and policy due to not fulfilling orders in the timeframe that they gave to me and other customers on or before XX/XX/XXXX. I NEVER AGREED TO WAIT XXXX MONTHS OR A YEAR OR MORE!! Completion date given XX/XX/XXXX or XX/XX/XXXX ( item never completed or sent out ) I recently sent letter and a copy of the confermation to Synchrony Bank XXXX TJX Platinum Mastercard. Any help with this matter would be greatly appreciated. I am a XXXX Veteran and what I thought would be an easy fix has caused my so much XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: GA

Complaint narrative:
Dear Transunion, I just found out about a collection or account that I had previously contested and had taken off my credit report. I don't recognize this account, which is why. It has been brought to your attention on multiple occasions, and I have provided evidence, including a Federal Trade Commission identity theft report and a police incident report that was submitted with my neighborhood county police station. It has repeatedly been readded without my knowledge or written agreement to my TransUnion credit file, and I have never received formal notification of the reinsertion in the mail after the reinsertion. It's possible that the Fair Credit Reporting Act wasn't followed in this situation. You previously looked into this account and deleted it as a result of your own research, which showed that this collection account had been erroneously reported. I have the findings of your agency 's investigation, which indicate that the account was removed from my credit report because it was deemed to be false, erroneous, or unverifiable. The investigation 's results were also included with my earlier Transunion complaint that I filed with the Consumer Protection Financial Bureau. The other two major credit reporting agencies likewise deleted this account, but your agency restored it. Section 611 of the Fair Credit Reporting Act requires your agency to have reasonable procedures in place to prevent previously disputed tradelines from reappearing on a consumer 's credit report. Additionally, consumer reporting companies covered by the Fair Credit Reporting Act are required to implement reasonable measures to guarantee the highest level of accuracy. If you believe that this report is accurate, I need senior member adviser at Transunion Holding Company to provide me with a written statement that certifies this account as accurate under penalty of perjury. If not, kindly do a prompt review of this account/collection and immediately remove the item from my credit report. Thank you. 

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 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
In XXXX of sometime, I had my ex girlfriend my account number and login. She changed my password without asking. I found that my ex ( XXXX XXXX ) and my cousin ( XXXX XXXX ). Had been sending money to my account and changing my password. To hack my account! They sent {$1000.00} to my account sometime in XXXX. I never realized that the account they have set up to send the money was a fraud to rob me of money. In XXXX they sent me {$1000.00} to send back to them from XXXX. The bank and I set the transaction as fraud, sometime in XXXX. I have had sent the only {$1000.00} to my account to send to there account in XXXX XXXX. The {$1000.00} went threw, and the bank had overdrawn my account from the XXXX payment that was two separate {$1000.00} transactions, that the total of {$2000.00} was never in my account and was set as fraud In my account was withdrawn from my account of a total of {$2000.00} from the XXXX transaction that was withdrawn of an overdraw of the {$2000.00} from my account that was already marked as fraud was still withdrawn. No other bank ever or can withdraw any money that is not there at all, can withdraw any money from an account. There names are and we're not on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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 demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: FL

Complaint narrative:
My sister in law applied for the card unknowing to me on XXXX and used the card. I found out in XXXXXXXX XXXX XXXX when I downloaded the XXXX application. I spoke to her and asked her for the card and Why she did that and she said I built your credit and i will give it to u once you get divorced. I called the credit card company and closed the account and reported as a fraudulent application and they advised i still have to pay the amount. She use a check to pay one of the payment on XXXX XXXX which she opened a checking account also unknowing to me. Even thiugh the credit card comoany advise i still ahve to make payments all correspondence is going to her address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I had my identity stolen at beginning of the year and this severely affected both my personal and business accounts with TD bank. It all started when my phone was stolen. I filed police report and everything. This person fraudulently manipulated my accounts and withdrew thousands of dollars from my balance ( prior to any of this ), deposited fraudulent checks, changed contact information and other things. I reported this and requested to get issued new account numbers and TD refused and gave me the excuse of they got in through your debit account but highly unlikely they know your account number I kept pushing for this to no avail. Than they fraudulently stole over 7 grand and td never contacted me once and I didnt even know until tds collection agency started calling. I have numerous police reports and everything needed to prove this. Ive gone into branches personally also. I was told to contact their investigator whose name is XXXX her number is XXXX and my case number is XXXX. She blocked my number from calling her after the XXXX messsge left. No investigation was ever done nor had anyone contacted me still! I had thousands of dollars spread up between and my XXXX or XXXX accounts and never received a penny! They kept it I assume due to the fraud on my account but I never did anything wrong and Jusy want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
. I checked my credit report recently & find out multiple billing errors

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 2023-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2023 resurgent sent details about my debt to my mother which I did not authorize. It includes my name and a link to their website that includes my name and the amount of my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I place complain a15 days ago with CFPB, Someone from navy compliance called on XXXX XXXX2023, she reviewed that my deb ration was at 22 % I asked why they would not allow me the 28 % debt ration, she said navy Federal was not a like most banks, after not backing down in believing I'm being whitewash, she decide to make inquiry about the loan being increase. 

I was told she would called me on Tuesday the compliance person would contact me in the mean time no phone call, while missing out on home due to the wait for the increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: KY

Complaint narrative:
On XX/XX/XXXX I noticed 2 student loans mentioned on my credit report while checking my credit score. Since I have never taken out a student loan of any kind, I knew immediately that these loans did not belong to me and were incorrectly placed under my name. I contacted the three reporting agencies immediately ( TransUnion, XXXX and XXXX ) and filed a reports requesting that this be removed from my credit report. I received letters back stating that they had " investigated '' the matter and the loans were marked as accurate and did in fact belong to me. When I attempted to ask them what matters they took to investigate, they ( TransUnion and XXXX ) responded by saying that they called the loan servicer ( XXXX ) and asked if the information was accurate. To which they replied that it was. This is not an acceptable form of investigation so I called to dispute with XXXX. They confirmed that someone had used my name, a different address and e-mail address to obtain a deferred student loan to attend XXXX XXXX XXXX  College in XXXX XXXX Iowa. I have never been to Iowa or attended college there. This is a brick and mortar institution and I live in XXXX, Kentucky. I finished college over 10 years ago with no debt. There is no feasible scenario where this would belong to me and it is even more suspicious that the loan was deferred. This means someone is receiving federal student loan money and kicking the payment down the road after they run up a tab of loan debt. XXXX said I would need to fill out a forgery packet to have the loan released. I did this and provided my drivers license, social security information, utility bills, mortgage statements, signature examples and other documentation proving that this is not my loan debt. I sent the packet with a full police report back to XXXX within the specified time frame. I sent it with certified mail. It has been months and I have received no response or resolution. It is also worth mentioning that I have recorded all of my calls with the credit agencies and XXXX to corroborate my information should I need to tag legal action. XXXX admittedly serviced a loan to someone who is not me and it has incorrectly appeared on my credit report, negatively impacting my credit score. XXXX has not provided any additional information, supporting documentation or provided a debt validation letter. So far the burden has been on me to prove that this debt isn't actually mine which is absurd.

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 2023-06-02 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: KY

Complaint narrative:
On XX/XX/XXXX I noticed 2 student loans mentioned on my credit report while checking my credit score. Since I have never taken out a student loan of any kind, I knew immediately that these loans did not belong to me and were incorrectly placed under my name. I contacted the three reporting agencies immediately ( XXXX, XXXX and Equifax ) and filed a reports requesting that this be removed from my credit report. I received letters back stating that they had " investigated '' the matter and the loans were marked as accurate and did in fact belong to me. When I attempted to ask them what matters they took to investigate, they ( XXXX and XXXX ) responded by saying that they called the loan servicer ( XXXX ) and asked if the information was accurate. To which they replied that it was. This is not an acceptable form of investigation so I called to dispute with XXXX. They confirmed that someone had used my name, a different address and e-mail address to obtain a deferred student loan to attend XXXX XXXX XXXX  College in XXXX XXXX Iowa. I have never been to Iowa or attended college there. This is a brick and mortar institution and I live in XXXX, Kentucky. I finished college over 10 years ago with no debt. There is no feasible scenario where this would belong to me and it is even more suspicious that the loan was deferred. This means someone is receiving federal student loan money and kicking the payment down the road after they run up a tab of loan debt. XXXX said I would need to fill out a forgery packet to have the loan released. I did this and provided my drivers license, social security information, utility bills, mortgage statements, signature examples and other documentation proving that this is not my loan debt. I sent the packet with a full police report back to XXXX within the specified time frame. I sent it with certified mail. It has been months and I have received no response or resolution. It is also worth mentioning that I have recorded all of my calls with the credit agencies and XXXX to corroborate my information should I need to tag legal action. XXXX admittedly serviced a loan to someone who is not me and it has incorrectly appeared on my credit report, negatively impacting my credit score. XXXX has not provided any additional information, supporting documentation or provided a debt validation letter. So far the burden has been on me to prove that this debt isn't actually mine which is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: KY

Complaint narrative:
On XX/XX/XXXX I noticed 2 student loans mentioned on my credit report while checking my credit score. Since I have never taken out a student loan of any kind, I knew immediately that these loans did not belong to me and were incorrectly placed under my name. I contacted the three reporting agencies immediately ( XXXX, Experian and XXXX ) and filed a reports requesting that this be removed from my credit report. I received letters back stating that they had " investigated '' the matter and the loans were marked as accurate and did in fact belong to me. When I attempted to ask them what matters they took to investigate, they ( XXXX and Experian ) responded by saying that they called the loan servicer ( XXXX ) and asked if the information was accurate. To which they replied that it was. This is not an acceptable form of investigation so I called to dispute with XXXX. They confirmed that someone had used my name, a different address and e-mail address to obtain a deferred student loan to attend XXXX XXXX XXXX XXXX in XXXX XXXX Iowa. I have never been to Iowa or attended college there. This is a brick and mortar institution and I live in XXXX, Kentucky. I finished college over 10 years ago with no debt. There is no feasible scenario where this would belong to me and it is even more suspicious that the loan was deferred. This means someone is receiving federal student loan money and kicking the payment down the road after they run up a tab of loan debt. XXXX said I would need to fill out a forgery packet to have the loan released. I did this and provided my drivers license, social security information, utility bills, mortgage statements, signature examples and other documentation proving that this is not my loan debt. I sent the packet with a full police report back to XXXX within the specified time frame. I sent it with certified mail. It has been months and I have received no response or resolution. It is also worth mentioning that I have recorded all of my calls with the credit agencies and XXXX to corroborate my information should I need to tag legal action. XXXX admittedly serviced a loan to someone who is not me and it has incorrectly appeared on my credit report, negatively impacting my credit score. XXXX has not provided any additional information, supporting documentation or provided a debt validation letter. So far the burden has been on me to prove that this debt isn't actually mine which is absurd.

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 2023-06-02 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: DISCOVER BANK
State: CA

Complaint narrative:
I have been having trouble logging in to my Discover bank account and Discover credit card account for several months. They are separate accounts, not merged. I made sure to use the corresponding login website for the banking account versus the credit card account/mobile app. 

Every time I try to log in to either account I get the following message : 'The information you provided does not match our records. Please try again or select " Forgot User ID/Password '' below to reset your log in credentials. ' Then I have to click " Forgot User Password '' and reset my password in order to access my accounts. However, the new password is still a one-time thing. Even with back-to-back login and logout, the password is only effective for a single time. I document every password I create so I am 100 % sure that it is not human error. 

I made numerous calls to discover and the only resolution I ever got is to reset my password and check if I'm using the correct portal.

Company response to consumer: Closed with explanation