vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 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: IN

Complaint narrative:
My current mortgage account balance with Shellpoint mortgage on my credit report shows as {$210000.00} when my actual current balance is {$190000.00}. Additionally, my original loan was only {$200000.00}. I have disputed this information, and it was not updated. My balance history is also wrong. I have attached my account history from last year into this year.

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 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I received an alert from XXXX that my credit score dropped 19 points, from XXXX to XXXX, when I looked at my report I find that Marcus has reported the wrong balance to XXXX, they reported {$1300.00} when in fact my current balance on XXXX was {$370.00}, this increased my credit utilization by 5 % and thus lowered my score. When I called customer service they claim that Goldman/Marcus is not yet reporting anything to the credit agencies but my report clearly shows its Goldman and XXXX is marked paid on XXXX which is accurate. 

GOLDMAN SACHS AND CO Link card name Exceptional payment history {$1300.00} Balance updated XXXX XXXXXXXX XXXX XXXX looks like they reported the wrong year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Shellpoint Partners, LLC
State: IN

Complaint narrative:
My current mortgage account balance with Shellpoint mortgage on my credit report shows as {$210000.00} when my actual current balance is {$190000.00}. Additionally, my original loan was only {$200000.00}. I have disputed this information, and it was not updated. My balance history is also wrong. I have attached my account history from last year into this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: FL

Complaint narrative:
I have leased car with option to buy. At the end of the lease I contacted Audi Financial Services to inform them that I want to buy car out at the end of the lease. Usually you pay balance. Company send you title and then you register car at motor vehicle department where you pay sales tax on a balance of the payment. Audi Financial Services told me that now I have to go through the dealership where I leased my vehicle from ( Audi of XXXX XXXX ). That would be ok with me if Audi dealership would not charge me a variate of additional fees which adds up to {$1800.00}. This is highway rubbery. This is not first time I buy a car after lease, but I have never paid anything but balance amount on my lease. If Audi Financial Services outsource this buyout to dealership they have to compensate it not from my pocket but from theirs. There is nothing in my contract I have to pay from my pocket except balance which is indicated in my contract. 
Please help me and other customers to avoid blunt violation of our contract with Audi Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A person fraudulently added them selves to my credit card account and ran my bill up from a XXXX balance to over {$2000.00} by running up un authorized charges. This account was closed by Capital one due to the actions and misuse of the account by this person but Capital one expects me to pay the balance. I am not paying for something I never authorized and this person should who added themselves to my account needs to be held accountable. This Debt is not mine and expect it to be stricken from my record. Go after the person that fraudulently accessed my account and added themselves to my account. All of my capital one accounts were closed due to the actions of this person. I expect all of my accounts to be re instated because I was unaware of the actions that took place on this account. I am including both the statement of the entire balance being fraud in addition to my letters from capital one letting me know they are closing all of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TN

Complaint narrative:
In accordance with theFair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am reporting Bank Fraud. 
I noticed the first fraudulent unauthorized bank account at XXXX XXXX account ending # XXXX. I was told by a branch manager at XXXX XXXX to close the account on line which I did around XX/XX/XXXX. 
Then again, another new account was opened at XXXX XXXX in early XXXX. Account Ending XXXX physically met with local branch banker XXXX XXXX XXXX XXXX XX/XX/XXXX, at this point a fraud investigation was initiated by XXXX with a case # XXXX. 
Neither of these two accounts were opened by me or my wife. A new debit card associated with account # XXXX account was also mailed to my home address. 
I was out of town for a few months, when I returned home on XX/XX/XXXX to our XXXX resident I saw THREE different statements from TD BANK with Account # XXXX, XXXX and XXXX, which we have no association with. 
I physically met with the local branch manager XXXX XXXX at TD twice since then and closed all three unauthorized accounts that were opened with my SS number and our XXXX  address using a XXXX voice phone # XXXX and an email XXXX. 
I was able to report this fraud to all credit bureaus, and opened a personal account with XXXX. 
I need you to look into this matter as it is very concerning that the Banks are taking a very light attitude with this serious matter. It is against the law for a Bank to open an account without personal ID. 
Please respond ASAP to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am not understanding what was it that was change? I received a notification results from the credit bureaus regarding the dispute with PRO COLLECT Inc and I do not see any changes. They states that changes have been made. What changes? I have not received any document stating the DATE OF DELINQUENCY as I have requested. I under stand the this account was received on XX/XX/2016, but THE DATE OF DELINQUENCY. The date this account was pronounce delinquent. The first to 3 months that no payments was made. It is very different from the date that you received the account. I need documents were this is staten the DATE OF DELINQUENCY. Attached is the date they are reporting to the credit bureau been the date of delinquency which does not match to what XXXX TX stated when speaking to them. Please send this information. 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 2022-04-05 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: DE

Complaint narrative:
I tried to have equifax remove the incorrect information on my credit report and ask them how the verified the information they have. They have yet to provide me any information and still are posting the incorrect information. 
The Credit bereaus never did a proper " investigation " according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The Credit bereaus stated my account was properly investigation but how is that possible if the open is inaccurate, the date last active is inaccurate and the last reported is inaccurate. This is ground for removal. 

They also violated the law because according to 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


I did not give anyone written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Upon leasing this vehicle I was never notified that I didnt have to make a down payment. I was told a down payment was mandatory to better my chances at getting the vehicle, so I paid in cash/debit. However, I learned today that pursuant to TILA does not include charges of a type payable in a comparable cash transaction that was false information given to me during that transaction. In addition, they repossessed a vehicle and failed to comply with regulations by notifying me of my right to rescind. This corporation did not notify me of my right to rescind they only told me I had to pay or surrender the vehicle. I have just became aware of my rights to rescind today XXXX, XX/XX/2022 & there is no statue of limitations on fraud. They never delivered such forms upon repossession. Now, even after the vehicle is repossessed and my rights withheld from me there is a third party collector consistently writing me to settle the debt with them for a total that is not 25 % of what the vehicle was worth. I did not sign a contract with this third party collector and I did not give them permission to have access to my information and they have no permissible purpose by law to contact their parties with my personal information. This is identity theft ( 18usc1028a ) They are subject to civil liability as well as deleting the derogatory item off my report immediately. Ive written them a letter today and sent it in the mail certified to notify them that I am aware of their failure to comply with these regulations which resulted in these multiple violations and demanded immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I don't know who logged in my Bank Of America credit account and transfer {$5000.00} to XXXX XXXX and {$1800.00} to XXXX on XX/XX/2022. I called Bank of America fraud department to investigate what happened. Two weeks later, they sent me letter to deny because they said XXXX XXXX and XXXX under my name. I asked Bank of America give me information that they found under my name, but they refused. I called XXXX XXXX to help me to check any account opened under my name, but they did not find any. I logged into XXXX and found nothing transfer to my XXXX accounts that I had. I ran report in XXXX Bureau and did not see anything from XXXX XXXX and XXXX, so I think scam may from Bank of America, because why they refused to me detail information about the fraud that they investigate.

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 monetary relief
Consumer complaint received 2022-04-05 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: TN

Complaint narrative:
In accordance with theFair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: WI

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: OH

Complaint narrative:
Auto pay was set up with Homeside Financial to come out of the checking account on the XXXX of every month since opening the loan in XX/XX/2021. 

In XXXX we got a letter saying we were moving from Homeside Financial to Lower as a service transfer. 

On XX/XX/XXXX, I called Homeside to find out why the payment for XXXX had not been taken from the checking and they said it was due to an issue with the service transfer and my account being held back to stay with Homeside. 

They took my payment by phone and said that my autopay would continue as scheduled and they were sorry this caused an issue with the XXXX autopay that was to due to confusion on the backend with Homeside and Lower. 

As of XX/XX/XXXX, there has been no attempt by Homeside or Lower to notify us of this reverse on the service transfer and the fact that this affected the XXXX auto pay. 

There is an entire set of customers who are going to get any notice outside of their grace period and they will be affected by their credit score, their interest applied and their time spent having to solve this problem for Lower and Homeside. 

Hopefully people see their accounts are not being debited or they are going to have a negative impact due to Homeside and Lower 's confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: OneMain Finance Corporation
State: FL

Complaint narrative:
IN XX/XX/XXXX, I NOTICED ALL THREE OF MY CREDIT SCORES WENT TO ZERO. AFTER TALKING TO THE CREDIT AGENCY 'S I FOUND OUT THAT ONE MAIN FINANCIAL REPORTED TO ALL THREE CREDIT AGENCY 'S THAT I WAS " DECEASED ''. 
I SPOKE TO ONE MAIN AND THEY ASSURED ME THE ISSUE WOULD BE SOLVED. IT WAS AND MY CREDIT SCORES WENT BACK TO NORMAL. 
THEN AGAIN IN XX/XX/XXXX, THIS HAPEENED AGAIN. THIS TIME RESULTING IN SOME OF MY OTHER CREDITOR 'S CLOSING MY ACCOUNTS BECAUSE I WAS REPORTED DECEASED BY ONE MAIN FINANCIAL. 
I SPOKE WITH ONE MAIN AND THEY SAID THAT THEY TRIED TO RESOLVE IT BUT FOR SOME REASON IT DID NOT UPDATE CURRENTLY. 
MY XXXX AND XXXX SCORE HAVE BEEN RESTROED, ALTHOUGH LOWER THEN THEY WERE, BUT XXXX IS STILL SHOWING MY CREDIT SCORE IS A ONE. I HAVE APLLIED FPR CREDIT AND I AM BEING DENIED BECAUSE OF " NO CREDIT HISTORY ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
I am currently a XXXX resident attempting to enroll in PSLF. I work for a non-profit and clearly am eligible. I have been submitting the required paperwork for a year to FedLoan Servicing to re-enroll in PSLF after my loan service changed last year. I have not been able to get in contact with them for over 6 months. I have emailed and called multiple times, and their online chat never is available for use. There are many eligible payments ( toward the 120 total ) that are not being documented this year. I am very disappointed in the federal loan service I am receiving right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: VA

Complaint narrative:
XXXX needs removed Filed several complaints and the file is still on my 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 2022-04-05 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: WI

Complaint narrative:
Tried to get old address removed in lieu of recent issue with an address that wasnt mine. Would only like to have current address showing on Experian, XXXX, credit report. Please remove all former addresses.

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 2022-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Back in XX/XX/2021 I purchased 2 Electronic devices that came out to a total of {$4700.00} with my synchrony XXXX store card however these items were never delivered to my address. XXXX says they were delivered but they were not delivered to my address. In addition one of the tracking numbers still says investigating and says it was delivered to XXXX XXXXXXXX? All I know is neither of these items made it to my house.

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 2022-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
The following company is using my information without my consent. I asked the company to validate proof that I gave them consent to use my information and place negative information on my credit profile. After numerous complaints to the company no action was taken. I demand that this company remove these negative remarks off of my credit file due to the fair credit reporting.

Company response to consumer: Closed with explanation