vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Solidifi US, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Referance # XXXX ORDER # XXXX SOLIDIFI XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I am refinancing my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Yesterday Monday XX/XX/XXXX at XXXX XXXX XXXX sent an appraisal name XXXX XXXX his address XXXX XXXX XXXX XXXX , MD XXXX to appraise my house, XXXX XXXX was very rude man and has no customer services skills every time I was talking to him he ignored me and did not want to talk back, I felt that he was prejudice toward me because I am speaking with forging accident, and XXXX XXXX was in my house around only 7 minutes for XXXX XXXX big house to do appraisal and he was out side for maybe less than 5 minutes and I was surprised by finishing my house appraisal for less than 24 hours and usually big house like my house it should take 2 to 3 days to study and give right appraisal, I feel XXXX XXXX was not fare with appraisal my house for his personal reasons he appraise my house for only $ XXXX, and I have a copy of my pervious appraisal on XX/XX/XXXX that my house was appraise for {$560.00} and in XXXX area houses goes up in prices every month my house is worth at least $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc.
State: OH

Complaint narrative:
I reviewed over the copy of the background check that my employer pulled. They used the vendor Sterling Talent Solutions and they stated my aliases were XXXX XXXX and XXXX XXXX. I do not know these people and i have NEVER used those names. My name is XXXX XXXX XXXX XXXX. I just want to make sure this XXXX XXXX is not using my information nor identity. Please help. Thank you.

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 2019-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I purchased the 2015 XXXX from XXXX XXXX in XXXX XXXX. I had a trade in a 2013  XXXX XXXX. Balance XXXX. The 2015 XXXX was listed for XXXX. I had. XXXX credit score and did a trade in they made my interest rate 11 % plus I am paying for gap insurance and their loan is charging me a daily rate on the loan that I was not told about. I am paying XXXX at the end for a XXXX car plus I had a trade in. How can this be. I have been paying since last XX/XX/XXXX {$420.00} a month the balance showed XXXX in the beginning and right now it showing XXXX??? How can that be if I have been paying for over a year XXXX my balance should be way less owed. This is USUARY and a disgrace I did not sign for this type of loan. I had TD bank with my charger at 5 % interest now I have this car with a. Daily rate and 11 % interest. I want this redone correctly. I am not being used like this please help me get to the bottom of this dealership scam and finance company. I should owe less on my car and I want it fixed. The dealership is using tactic making you wait for hours signing he document then the bank write you and say something different. I want a regular 62 month loan no daily rate XXXX. I want all my payments credited towards my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
So someone got a hold to my card while I was in ANOTHER STATE ( XX/XX/2019XX/XX/) and stole {$3500.00} from me using my Navy Federal Red Debit Card XXXX They are the ones who told me that someone had logged into my mobile banking from a FRAUDULENT KNOWN DEVICE. And they even gave me new account numbers and had my change my user name and password. After all of that, the bank REFUSES to give me my money back. I asked for a second review they still wont give the money back. I told them that if they needed me to I would go to the merchants that were listed, and ask for video footage. They still dont care they want me to appeal their decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi, I sincerely ask regulators to start assessing multiple regular heavy fines against this TD Bank for fraud against customers. This bank is worst than XXXX XXXX after discovery of fraud activities and practices of this bank. 

What happened? I called in, ask to dispute a charge, the call attandent redirected the conversation to a never ending series of verification questions. Hangs up on me, then locks my account. On re-call in by me, account can not be assess. Effectively no help and do not call impression, nothing gets done, alot of redirections and entrapping you to non-service and locking delays. 

This is repetitive and causing harm to consumers needing help with their account usage. 
I ask your regulatory agency to assess regular and multiple heavy public fines so all consumers are made aware of no-protection for consumers and effectively a fraud bank and should be remove from doing business in the US and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have disputed COMENITYBANK/XXXX for the amount {$6000.00} with all three credit bureaus for 4 months now asking them to validate that the information thats reporting to my credit profile is correct by providing me with a signature of mine or a verbal agreement from me. I havent received any verification as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: MN

Complaint narrative:
I have disputed an account with XXXX XXXX XXXX that was paid in full on XXXX XXXX. The last reported date from the company was XX/XX/19. Upon receipt of the dispute the company, Transunion LLC sent notification that the dispute was being investigated. I received a notification that my dispute results were ready to view. Once logged into the portal, I was unable to view them. I called the company on XX/XX/19, asking to dispute the account, the representative explained to me there was no record of the account on my report. This is rather frustrating I am in the process of buying my first home, and I would like for my report to reflect my ability and willingness to pay on time.

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 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a fraudulent account reporting under Equifax credit reporting agency, I have disputed several times and even with a FTC Affidavit validating the fact that i had been a victim of ID theft, yet they are not being helpful at all ; therefore, have no way of finding out whether or not what the situation is about my disputes and a fraudulent account. The fraudulent account I have disputed with Equifax is XXXX XXXX ( Acct # XXXX ) please assist me in making sure that the Fair Credit Repoting Act Section 605b is upheld by Equifax Inc., A private entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony bank has not accurately informed the credit bureaus of the actual monthly payments that I had made going back over the last year and a half. It not only list inaccurate information on my account but also inaccurate payments I made on an immediate family members account. Some months it states, according to my credit report that I missed payments when I didnt.

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 2019-07-24 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: WA

Complaint narrative:
XXXX  On XX/XX/2019my credit score was XXXX On XX/XX/2019 my credit score is XXXX thats 117 points negative. 
When I called XXXX  I made no progress the language barrier is so bad its impossible to get a word in edgewise and the nonstop transfer from one person to another the last call to XXXX  I was transferred 5 times answer security questions my name, etc. Furthermore, they cant explain the huge drop in credit score. I am a victim of identity theft whats the purpose of XXXX  if they have the authority to make such destructive change to my credit report without alerting me. I was under the impression credit reporting agencies are held to stricter rules and protection and peace of mind. There is no consumer protraction act here rather some non-English speaking none head can make my life XXXX. I work very hard to have excellent credit to only have it butchered by the very institution who claims security is the # 1 concern. As of today my credit score is in the low 600 range. Please investigate ... ..some type of law or protection needs to be in place so fools like XXXX  cant rap my credit. 
Moreover, I sold my home over a year ago what do I have to do to change this and have the sale reflect 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 2019-07-24 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: IL

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT DUE TO THE MASSIVE DATA BREACH OF XXXX. I HAVE TRIED RELENTLESSLY TO HAVE THE ITEMS BLOCKED VIA 1681-c2, HOWEVER THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE ITEMS  EVEN THOUGH I PROVIDED THEM WITH A FTC REPORT, POLICE REPORT AND SWORN AFFIDAVIT.

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 2019-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: ME

Complaint narrative:
Nelnet does not follow your requests to allocate extra payments to the highest interest rate, thus you are paying more interest over the life of the loan. They also " magically '' move money to a group that was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: KEYCORP
State: CA

Complaint narrative:
I have an approved funding from XXXX XXXX which is to be funded by Key Bank - New York Branch. Over a period of several months, I have made several fee payments to a number of various individuals as called for by XXXX XXXX, Key bank Manager, a Mr. XXXX, Bank General Manager and XXXX XXXX ( XXXX XXXX Loan manager ). I was required to make several payments to various people, and which over the course added up to over {$25000.00}. For the last several fee payments ( at least 5 ) I was told by bank manager XXXX XXXX and Bank General Manager that each of these payment would be THE LAST FEE PAYMENT and would result in the funding of my account as approved by XXXX XXXX for {$95000.00}. There has never been a deposit to my account and there is always another fee to be paid. Some of the fees ( PPI insurance ) has been paid at least two times and this manager is calling for yet another payment. The payments and fees never end and has never been the last payment. Currently, there is another fee being called for for insurance before funding my account. History of this operation has shown that as long as I make a payment, there will always be one more last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Had bi-weekly auto-pay set up, to pay half the mortgage amount. Went to cancel the auto-pay but you couldn't do it the evening before, which was a Sunday. Wells Fargo Home Mortgage was closed on Sundays. So, Wells Fargo Bank instructed me to call them first thing Monday Morning, which i did, to stop the payment and cancel the auto-pay all together. But Monday morning was to late to cancel the payment, so they instructed me to wait 24- 72 hrs for the payment to post, then they would issue a refund which would take 48 hrs, Five business days total. The following Monday I called to check on the statues of the refund. to be informed that I would receive the money Wednesday, which is seven business days. I called them several time, only to receive the run around ( extremely frustrating process ) They admitted error! They wouldn't tell me if it was system or user error.

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 2019-07-24 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: IL

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT DUE TO THE MASSIVE DATA BREACH OF XXXX. I HAVE TRIED RELENTLESSLY TO HAVE THE ITEMS BLOCKED VIA 1681-c2, HOWEVER THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE ITEMS EVEN THOUGH I PROVIDED THEM WITH A FTC REPORT, POLICE REPORT AND SWORN AFFIDAVIT.

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 2019-07-24 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: IL

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT DUE TO THE MASSIVE DATA BREACH OF EQUIFAX. I HAVE TRIED RELENTLESSLY TO HAVE THE ITEMS BLOCKED VIA 1681-c2,  HOWEVER THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE ITEMS EVEN THOUGH I PROVIDED THEM WITH A FTC REPORT, POLICE REPORT AND SWORN AFFIDAVIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Some how my wife and I without our knowledge was put on as authorized users on a account which we had no knowledge about through Capital One, we finally got a letter stating that we had been removed from said account in a letter XX/XX/2019 and it stated they had informed us we was removed XX/XX/2019 however my credit score is still -91 points

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: IL

Complaint narrative:
I WAS A VICTIM OF ID THEFT DUE TO THE DATA BREACH FROM XXXX. I HAVE TRIED NUMEROUSLY TO HAVE THE INFORMATION REMOVED FROM MY CONSUMER REPORT BY FILING A FTC REPORT. FILING A POLICE REPORT, AND NOTIFYING THE APPROPRIATE AUTHORITIES.

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 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
After the Credit breach 161 fraudulent accounts were added to my credit file. The copied old accounts that were previously paid. For example I had one loan through XXXX, now I have 9 total loans that showed zero payments and the account has been closed. I made payments to that loan when I was in school and it was paid off before I even graduated. Now shows up as nine negative things on my credit statement and the original loan isnt even on there anymore. The number provided to XXXX XXXX XXXX as the dad is the number to a phone XXXX line. I have about 40 other debts to the Department of Education and I was city thats been close for 10 years. Im showing Student Loans on my account from when before I even started school. I am being sent fake mpns, and the Department of Education cant tell if these are fake and PMs because theyre not educated on what the identification number on the MPNs actually means, that arent even valid but still being registered through the department education as it being a valid debt. I havent been able to have a bank account or a credit card in over 10 years because of all this improper reporting on my credit. In 2015 I had my entire life savings account how old and taken from me to pay for this debt. My father has been contacted since he was the cosigner on one of the loans, he has paid over {$60000.00} to this company and I was city thats now shut down. I have paid over {$50000.00} to the company in XXXX  XXXX thats now shut down. I had {$20000.00} seized out of my bank account and I dont know where this money was sent to. Someone needs to pay me back the money thats been taken because of all of this somebody needs to be held accountable and someone needs to pay me back and stop people from taking more money from me and allowed me to actually have a bank account as are all violations of my consumer rights they are violating son of Sam laws by trying to make a profit off of any of this and none of them should even be in business if they cant even contact me to let me know that my information was breached. I want my money reimbursed and I want these fraudulent credit reporting agencies to be shut down because they are not reporting anything close to accurate on anybodys credit report due to this bridge and they have no intention of fixing it or they would have by me submitting the five different times Ive tried dispute everything on my credit file and everything came back as not disputable because they were valid debts but yet only my name and a dead amount is on 3 % of the reports so I dont know how they contacted anybody if there wasnt even a name given

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 2019-07-24 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2019, I received several credit alerts that a company by the name of SyncB had pulled my credit report. I immediately knew it was synchrony bank due to this same issue last year. I was told that the credit bureaus are reporting inaccurate information, contact them. I asked to be transferred and was disconnected. The credit bureaus are advising to contact synchrony in an ongoing life circle. This is the third unauthorized or warranted inquiry that's been placed on my report in the past 12 months from synchrony that I can't get removed. After numerous dead end attempts, I want all of them gone asap.

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 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I pulled my Experian credit report and found XXXX XXXX XXXX had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded. I filed a complaint wit h the CFPB but the company response did not provide documentation that can be used for an identity theft report such as a singed contract or IP address so their response was inadequate to solve the issue. They either need to delete the inquiry or provide the documentation that i have requested that substantiates it so i can file and identity theft report with the FTC

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