vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Bankruptcy report whom is requesting to report this information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Fradkin & Weber PA
State: MD

Complaint narrative:
I CALLED THE OFFICE ( Fradkin & Weber, PA ) TO GET INFORMATION ABOUT THE XXXX DEBT THEY CLAIMED I OWE. I MOVED FROM My old address. IN XXXX XXXX XXXX. IM NOT SURE EXACTLY, SO I NEVER RECEIVED ANY THING IN THE MAIL, ON MY CREDIT REPORT, OR PHONE CALL, ETC. THERE WAS NO CONTACT from them. 

XXXX XXXX SAID THEY DO NOT HAVE DETAILED INFORMATION AND TO CALL THE COURT. I CALLED THE COURT CLERK, WAS ADVISED THAT FRADKIN & WEBER SHOULD HAVE THAT INFORMATION. IN THE MEANTIME I CAN NOT REMEMBER ANY DEBT THAT I HAVE FROM 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 2023-07-24 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
on XX/XX/2023. i made an order with XXXX. i used my apple credit card issued by goldman sachs bank. i never received the package. i contacted XXXX first and they said they had proof of delivery so they would not be refunding me or sending me a new shipment. i contacted apple card support and they issued me a temporary credit while they investigated the disputed transaction. i have twice now gotten emails from them stating they are going to charge me for the transaction because it was delivered. they sent me a picture of said delivery ( it is not my door or door mat the package is in front of ) i filed a police report about the incident and the police cited the package as being stolen. i sent them a copy of the police report and they again, refused my dispute. i never received this package.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Synchrony bank continues to charge e late fees when on numerous occasions I try to pay the bill online and by phone. I have told them that online payment options are not taking the routing number so I couldnt add the banking information to the account, tried to pay as a guest and it wouldnt take my card information. Call to pay online and came across so many issues. A payment successfully went through a d three weeks later it was rejected and I was charged a late fee. I called the bank and they said there wasnt anything wrong with there routing number. I complain to Synchrony bank about this many times and still they are adding late fees. I called to talk with someone about the issues and still no help. I gave a payment over the phone and it went through it was told weeks later it was rejected and again the slap more late fees. They needs to be investigated for this because it happens all the time and they feel like if we complain to yall that nothing is going to be done. They also closed my SAMS card without my permission and they messed up my credit score. They have not fix the situation they only made things worst.

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 2023-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-24 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: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I checked my XXXX credit file and found XXXX  personal loans taken out in my name from the company " Affirm Inc ''. The XXXX personal loans were taken out on ( XXXX ) XX/XX/2022 ; Balance : {$770.00} ( XXXX ) XX/XX/2022 ; Balance : {$510.00} and ( XXXX ) XX/XX/2022 ; Balance : {$800.00}. After speaking with XXXX, they have indicated that the address associated with the XXXX loans is : XXXX XXXX XXXX XXXX, VA XXXX. Further, I spoke to the company, Affirm today, and they could not provide help regarding the XXXX loans. The loans have negatively impacted my credit score and the status is now collection account. I would like to resolve these discrepancies as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received an email on XXXX indicating my credit card through Comenity Bank would be closed on XXXX. The email indicated I could use the card anytime before XXXX and a single purchase would keep the account open. On XXXX I received a message in the credit card portal indicating my account had been closed, three days before it was to be. I attempted to contact customer service, and I got to a supervisor named XXXX. She indicated that my account was coded requiring me to consent to a credit check to keep my account open. She stated that the account had been suspended, so even if I tried to use the card before XXXX as indicated in their email communication I would not have been able to. If I attempted to use the credit card it would not have been accepted and I would have been advised to call Comenity Bank at which point they would have told me I had to consent to a credit check. No communication from Comenity Bank indicated I had to consent to a credit check for an open account in good standing. Their communications with me, via customer service, was that I should have had until XXXX to use the credit card. Their response is I should have called when I received the email on XXXX so they could have told me that I needed to consent to a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have received multiple offers ( via email and online via my Citi Account ) to take advantage of Citi 's Flexpay 0 % APR promotion with XXXX in the month of XXXX but am unable to do so. I have called multiple times and spoken with many customer service representatives to get this resolved to no avail. The timeline of my contact with Citi is as follows : - Called on XX/XX/XXXX ( first day of the promotion ) and spoke with several representatives who opened a ticket to escalate the issue. They said it will be resolved in no more than 5 business days, and they also filed a complaint and said someone would reach out to " make it right '' - Called on XX/XX/XXXX since the issue was still not fixed after the 5 day period. Was told they were still working on the issue and to wait another day or two. 

- Called on XX/XX/XXXX. Spoke with a XXXX Account representative who said there is also nothing he can do and that I needed to simply wait until the technical team got to the issue and looked into it. He said there was no way to further escalate this and they " might be backed up. '' At this point it seems very likely this will not be fixed in XXXX I will miss this entire promotional offer. My wife and I just moved and needed to buy a lot of things to get our new house ready so I was counting on using this offer, and now I can not. I am appalled by how slowly this is being fixed and am extremely upset that we planned some of our financial decisions around a promotion which was falsely advertised to me. Citi has done nothing to attempt to make this right and make up for a mistake that is clearly on their end, and I will be seriously reevaluating my financial relationship with this company going forward.

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Account was paid in full by bank check sent through USPS priority mail on XX/XX/2023. USPS tracking shows that the envelope that contained the payment check and payment coupon was picked up at USPS facility on XX/XX/2023 at XXXXXXXX XXXX. I contacted the credit company, Comenity, on XX/XX/XXXX and initiated a dispute as they were showing the payment had not been received. Actions since then have included late fees, interest fees and a report to the credit bureaus of late payment more than 30 days. I have spoken to several representatives from Comenity to attempt to resolve the issue, including offering to stop payment on the check and pay the account electronically and I was told the fees charged and report to the credit bureau could not be changed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted a TPD application to the department of education ( Nelnet ) to totally and permanently discharge my school loans because of my XXXX. My account number is XXXX. On XX/XX/XXXX my application from the US Department of Education approved my total and permanent XXXX discharge application and I entered into a three year post discharge monitoring. Period in XX/XX/XXXX, I received full approval for total and permanent XXXX discharge after the three-year monitoring period. Additionally, on XX/XX/XXXX, I received, a fully favorable opinion from the Social Security federal judge. 

After reviewing my credit documents, some thing I was unable to do because of my illnesses for so long, I noticed there are 24 closed loan accounts from the department of education with zero balances, but still were counted as closed accounts. In addition, there was one account, which was reported as open, but had a zero balance. As you know, closed accounts on a credit report can do much damage to the person with the credit report. 

I contacted Nelnet and explained my argument that a discharged loan is not the same as paying off a loan or forgiving a loan. I have found evidence on various websites of Nelnet and the department of education, which support my argument. 

I would like to see these accounts deleted from my credit report as soon as possible, as a Discharged loan counts as a cancellation, especially because the person receiving the discharge is unable to apply for another school loan while keeping the TPD status. 

Please help me make this right wrong for myself, and for others with XXXX, struggling to repair their credit after years of patiently waiting to be approved for financial assistance. Thank you very much. 

All the best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am a XXXX XXXX XXXXXXXX XXXX  citizen who is in danger of being foreclosed upon by TD Bank through an illegal high-cost second mortgage which contains an 18 % interest rate provision. I need immediate help to save my home. On XX/XX/XXXX, TD Bank gave me a second mortgage ( HELOC ) which contained a ceiling rate of 18 %. The rate I was given was an introductory rate of 3.25 %. It was not explained to me that my interest rate could rise to 18 % and promissory note did not state the date upon which it would reach 18 %. At the time that I signed it I was under the duress of a family emergency at the time that I signed the papers. On XX/XX/XXXX, I discovered that my payment had more than doubled in size from {$520.00} to {$1200.00} with the interest rate going from 3.25 % to 7.5 %. TD Bank informed me that my payment would be tripling in the months to come. I am a XXXXXXXX XXXX living on a fixed income! My budget can not withstand these illegal increases to 18 %. I need TD Bank to bring my loan back down to 3.25 % in a fixed rate loan. If I lose my house I will become homeless. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2023-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keystone Law LLC
State: MI

Complaint narrative:
On XX/XX/2023 I was mailed a collection from Keystone Law LLC in the amount of {$2200.00} ( including interest ). The company is trying to collect a debt on behalf of XXXX XXXX XXXX. Upon contacting the XXXX XXXX, I discovered I have no outstanding balance, no collections, not even a charge in the initial amount before interest of {$1800.00}. XXXX XXXX XXXX said they never reached out to a collection agency and that they dont use Keystone Law LLC as a collection agency either. I have asked KEYSTONE to remove the debt multiple times and they state that they can not, the XXXX XXXX must do so. I have written a letter asking them to validate the debt and provide documents and they have not responded.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
Cavalry Portfolio service had put a debt collection on my credit not once but two time for two different amount for XXXX. Now I only had one account with XXXX years ago, which has be written off and has been removed from my credit report by XXXX!! I think it was 2 years ago. Cavalry portfolio service has put on my credit 2 times a debt from XXXX for 2 different amount!! One for {$2100.00} and one for {$1200.00}. I only had one account with XXXX!!! Years ago and again XXXX has removed everything about them from my credit years ago. Thank you for any help to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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:
this complaint is being made against Experian violating the Fair Credit Reporting Act Statute of Limitations on both of my XXXX XXXX XXXX accounts. Experian is indicating that both of my paid XXXX XXXX accounts are being deleted XX/XX/XXXX knowing the Date of 1st Delinquency occurred for both accounts was on XX/XX/XXXX. Experian is manipulating the date of 1st delinquency was XX/XX/XXXX by reporting the removal date to be XX/XX/XXXX which is false information. Specifically account ending in XXXX the date of 1st delinquency was XX/XX/XXXX. account ending in XXXX the date of 1st delinquency was XX/XX/XXXX. to my understanding according to the FCRA Law as a Requirement to report correctly 605 15 U.S.C 1681c ( c ) and 1681c ( a ) ( 4 ), the 7 year period begins on the date of the commencement of the delinquency which immediately preceded the charge to profit and loss and the FCRA Compliance/Date of First Delinquency is used by the consumer reporting agencies to determine when delinquency data is to be deleted, pursuant to the Fair Credit Reporting Act. 

I have disputed this specific error with XXXX XXXX XXXX and they sent me a correspondence indicating the date of 1st delinquency dates as proof. I have attached this proof to my experian disputes regarding this on going issue and experian refuses to update these accounts correctly, instead they provide updated results that remain the same. Experian is Willfully and Negligently refusing to modify these accounts 7 year removal date correctly after giving them many chances to cure these accounts. by attaching the legal documents from XXXX XXXX XXXX indicating the date of 1st delinquency dates, that should have been enough proof for experian to modify these accounts the right way, but even with proof they refuse to comply to FCRA law. 

I have attached the many disputes I sent out and many results they have provided as well as legal documents from the creditor as proof of their improper procedures to report what the data furnisher has given them. To my understanding it is the consumer reporting agencies obligation to either delete or modify incorrect information appropriately and they refuse to do so. instead they continue to report on going inaccurate information at which I have full rights to dispute until corrected or 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