vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 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 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 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 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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
FIRST OF ALL I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT. ACCOUNT NUMBER IS XXXX YOU HAVE VIOLATED MY RIGHTS BY PROVIDING INFORMATION THAT IS UNTRUE ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had an account with TD Bank. The balance of the account was paid in full on XX/XX/2022. TD claims they never received the payment. I use a bill paying service offered by XXXX XXXX XXXX XXXX. A check for the balance ( not electronic/paper check ) was mailed on XX/XX/XXXX and cleared on XX/XX/XXXX for {$1500.00}. TD bank said they did not receive the payment and would investigate why they did not receive it.. My verification number with XXXX & XXXX bank is XXXX. In addition TD bank had charged late fees 3 times and the payment was sent on routine basis every month from the bill paying service, the payment was never late. TD did reverse one of the late charges. Now they are robo calling me every day reminding me a payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2022, I contacted the Bank of America number listed on XXXX at XXXX regarding a credit card that I did not apply for or receive. I was told to call XXXX instead. 

After a terrible automated experience that repeatedly asked for the account number I DO NOT HAVE SINCE THE CREDIT CARD WAS ISSUED FRAUDULENTLY I spoke to XXXX in XXXX XXXX. He submitted the fraud form. He told me a paper copy of the original application would be sent to me. XXXX states the card application was made XX/XX/XXXX and was also mailed to an address on XX/XX/2022. He said he could not tell me that address but that someone at another number could. 

He transferred me AGAIN to XXXX. I spoke to XXXX. She told me that XXXX did not make a fraud claim and that I would be on hold and have to speak to YET AGAIN ANOTHER person to make a fraud claim!??? 

The next person I spoke to was XXXX XXXX He told me the address the card was sent to and stated that he did not know why XXXX had transferred me to him. He could not transfer me back directly to XXXX so again I was on hold with an automated message. 

I do not feel my issue was resolved as I was given conflicting information by XXXX and XXXX as to whether a fraud claim was actually made. I do know this account was closed.

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 2022-07-19 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: GA

Complaint narrative:
I checked my credit report & noticed unauthorized hard Inquires from various dealerships & other companies.

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 2022-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I, the federally protected consumer, was denied credit by Navy Federal Credit Union when I applied for an extension of credit to obtain property/services from XXXX XXXX XXXX XXXX XX/XX/2022. Adverse Action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. Navy Federal Credit Union is subject to criminally violating 15 USC 1691 as I have proof that I was discriminated against by Navy Federal Credit Union due to the response I received. Navy Federal Credit Union is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because, I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Navy Federal Credit Union. If Navy Federal Credit Union fails to make any reason procedures to resolve this matter and either, compensate me for the use of my credit card ; or grant me my right to an extension of credit applied for, I will indeed make Navy Federal Credit Union criminally and civilly liable for all actual damages pursuant to 15 USC 1681 AND 15 USC 1681o. I will also follow up with an invoice for said violations ( {$1000.00} per violation )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have a satisfied mortgage with Citi Financial but all the lien releases for the property XXXX XXXX XXXX XXXX XXXX were not released. There were a XXXX and XXXX mortgage for the property. I have contacted the company who took over the loan and I have been told there is no recorded. The property was purchased in XXXX  the lien release was done XXXX. This is an oversight by the company which is preventing the sale of the property. Please advise. The one lien release has been obtained but the second release can not be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing this to inform that this account is reporting false and inaccurate information and needs to be removed by law immediately. This account is showing 3 different last active dates which is false and inaccurate, against the law. Also showing last payment date false information. This account is also showing false information for the last reported date. This account needs to be removed immediately or I will continue this investigation. THIS ACCOUNT ALSO SHOWS 3 DIFFERENT DATES FOR ACCOUNT OPENED. THIS IS AGAINST THE LAW. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX LAW 15 U.S.C. 1681x 15 U.S. Code 1679c

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing this to inform that this account is reporting false and inaccurate information and needs to be removed by law immediately. This account is showing 3 different last active dates which is false and inaccurate, against the law. Also showing last payment date false information. This account is also showing false information for the last reported date. This account needs to be removed immediately or I will continue this investigation. THIS ACCOUNT ALSO SHOWS 3 DIFFERENT DATES FOR ACCOUNT OPENED. THIS IS AGAINST THE LAW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAW 15 U.S.C. 1681x 15 U.S. Code 1679c

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 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Venmo froze my account over a month and is holding {$920.00} and not allowing me to access the money. They claim I have violated PayPal policies but have not given me any explanation to what has happened or why it remains frozen. A request for to be contacted was sent XX/XX/XXXX with a response stating that it was escalated to another department and would take 6-7 days to resolve. I sent a reply to that email with no response and nothing has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a BJ 's XXXX club mastercard, serviced by Comenity Capital Bank. In XXXX, Comenity Capital Bank stopped posting payments made to my account, resulting in late fees, interest charges, and overcharges for the XXXX XXXX XXXX. I am beginning to receive automated collection calls from this company. If they report to the credit bureaus and my credit score declines as a result, it could effect the interest rate on my mortgage or on other loans I may obtain in the future. 

As of XX/XX/2022, seven payments totaling {$1200.00} have cleared my bank, but have not been posted by Comenity Capital Bank. These payments cleared my bank as follows : {$240.00} cleared XX/XX/2022 ; {$61.00} cleared XX/XX/2022 ; {$46.00} cleared XX/XX/2022 ; {$110.00} cleared XX/XX/2022 ; {$78.00} cleared XX/XX/2022 ; {$500.00} cleared XX/XX/2022 ; {$180.00} cleared XX/XX/2022. 

I have tried repeatedly to contact Comenity Capital Bank by telephone. At various times their phone system has 1 ) played a recording saying to call back later ; 2 ) kept me on hold for about 15 minutes, after which the hold music stops and the call disconnects ; and 3 ) played a recording saying to go to their website for customer service. I have not been able to connect with a live customer support person. 

I have tried to contact Comenity Capital Bank using the messaging ( secure email ) service on their website. I provided screenshots showing payments had been made. Four days ago on XX/XX/2022, I received a response stating that my request had been forwarded to the correct department. However, my payments are still not posted to my account, and today I received an automated collection call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
When i was laid off by my company in XXXX of XXXX, i applied for and was generously granted Forbearance relief with my mortgage company. The assistance that i received postponed our monthly mortgage payment until the end of the Forbearance agreement which i believe was 9-10 months. 

Upon returning to work and and ending the Forbearance period in XXXX of XXXX, we began paying our back payments ( in addition to our monthly mortgage ). So, we paid double payments until through the end of XXXX until we were caught up. We were religious in making these payments a priority and did not miss or were late with payment during the repayment period. 

When we recently applied for credit, we were declined based upon having XXXX late payments reported by Shellpoint Mortgage. I contact Shellpoint and was told conflicting information. They showed the " lates '' but were not able to answer my question... how could i be late when i made every ( double ) payment. Strangely, the " lates '' came mid-way through my repayment- XXXX, XXXX, XXXX and XXXX of XXXX. 

I had received " late notices '' a couple of time earlier in the year. I was told that the system was still auto-generating delinquent notices, but i should ignore because i was on a Forbearance program. 

I would like to have the delinquent notices removed from my credit report with all three agencies. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My complaint is with Fifth Third Bank ; its failure to send monthly/quarterly checking account statements by mail/email, and the delay in receiving a refund for monthly service charges which accrued to a total of {$400.00}. 

This issue involves my deceased husband 's Fifth Third Bank Essential checking account and debit card. He passed away on XX/XX/XXXX. I notified the bank about his death on XX/XX/XXXX. 

Fifth Third Bank failed to send any monthly checking account statements either by mail or email which resulted in monthly service charges/recurring debit card purchase charges accruing without my knowledge. 

Soon after, the COVID-19 pandemic hit, with lockdowns and restrictions causing further delays in conducting business matters. 

On XX/XX/XXXX, I presented a Small Estate Affidavit, his debit card, and my identification to personal banker XXXX XXXX at the Fifth Third Bank branch located at XXXX XXXX XXXX XXXX in XXXX Illinois. XXXX contact numbers are ( XXXX ) XXXX and ( XXXX ) XXXX and her email address is XXXX. XXXX proceeded on closing his checking account and issued me a cashiers check in the amount of only {$380.00}. 
I have an ATM transaction receipt dated XX/XX/XXXX, showing a deposit of {$1100.00} was made to his checking account. I immediately disputed this balance with XXXX, and she requested copies of his monthly checking account statements from XX/XX/XXXX through XX/XX/XXXX. 

These statements revealed a total of {$400.00} in monthly service charges from March 2019-March 2022. In addition, there were three yearly recurring debit card purchase charges from XXXX which occurred on XXXX for {$120.00} ; XXXX for {$120.00} ; and XXXX for {$130.00}, totaling {$390.00}. 

On XX/XX/XXXX, I compiled and sent four emails with attachments of highlighted debited charges as well as picture proof that Fifth Third Bank failed to send monthly checking account statements to his email address. XXXX acknowledged receipt of these emails to her email address XXXX and forwarded them for review to get a refund issued for {$400.00}. 

I have inquired both by voicemail and email approximately 7 times and still no refund has been issued. 

Fifth Third Bank failed to send his monthly checking account statements either by mail or his email address. I was completely unaware that any charges were being debited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have unauthorized inquires that's affecting my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX BANK ON XX/XX/XXXX XXXX. XXXX ON XX/XX/XXXX XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX ON XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX  ON XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX  ON XX/XX/XXXX XXXX. US SM BUS ADMIN ODA has been on my report for over 2 years and is unauthorized as well and must be deleted.

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX Account Number : XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TX

Complaint narrative:
I was applying for a car however more inquires came on my account without my use. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
While attempting to refinance my mortgage, my lender notified me that I had a delinquent account with American Education Services. I logged into my account and noted that I currently owe XXXX dollars and searched through my account related letters and billing statements, noting that there were no bills located within the account. I emailed AES on XX/XX/XXXX and XX/XX/XXXX and spoke to AES representatives on XX/XX/XXXX and XX/XX/XXXX. 

During my conversations the customer service representatives could not find any bills related to the account, and, were unable to find information related to why the accounts were listed as defaulted. The first representative encouraged me to sign a formal letter asking for confirmation and copies of bills related to the account given that I had never received them. He then told me ( on XX/XX/XXXX ) that I would receive a form in my email that I could sign that would " bring the account current '', no such email was received and I reached out again on XX/XX/XXXX. 

I am confused as to why I have never received a bill related to this account and am requesting that the late fees be waived, and, that the account be marked as current.

Company response to consumer: Closed with explanation