vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 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: NJ

Complaint narrative:
In XXXX I sent a letter to XXXX XXXX XXXX XXXX agency to inform them that I am not aware of an account with them when I noticed they were reporting on my credit report. 
Account was then sold to XXXX funding in XX/XX/XXXX in which XXXX funding claimed I owed them money as well. I explained to XXXX funding that I did not have an account with XXXX but XXXX also started reporting on my credit report. XXXX funding is currently on my credit report twice with XXXX separate account numbers for the same supposed original creditor ( in which I explained to them, that I have no knowledge of the original creditor ). 
As of today, XX/XX/XXXX, I have been contacted by XXXX XXXX services that they are now in receipt of the account from XXXX funding, in which again I do not acknowledge having received any credit from XXXX funding.

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 2022-08-24 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: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
My loans were transferred to Aidvantage. My loans were with XXXX XXXX and are supposed to be cancelled due to recent action by the President. Additionally, the pause for student loan repayment ( pending outright forgiveness for all loans less than XXXX ) was recently announced. Instead of Aidvantage complying with this, they deceptively encourage borrowers to sign up for automatic payments and and notify you that your pause is almost over effective XXXX XX/XX/2022. When I call them to inquire, they claim to know nothing of the situation and that I may be eligible to apply for public service forgiveness and congratulate me for enrolling in automatic payments. They are trying to milk as much money from borrowers as possible before the government cancels all the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account is in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.

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 2022-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I was gave a civil summons even tho the debt is XXXX XXXX XXXX and I have been financial impacted by COVID XXXX I have tried to express this to the company and they can not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it XXXX concern, My name is XXXX XXXX. I have written to your company on XX/XX/XXXX. In Regards to an extended fraud alert or fraud alert being placed on my account in which I was not authorized for on my behalf nor was I notified about this until I tried to log into my account and was denied access to my credit report. My credit report should be available to me at all times due to me being a consumer. Not only have I contacted the company on the phone to resolve this matter. I spoke with an employee on XX/XX/XXXX named XXXX user number XXXX case number XXXX. She stated someone will be in contact to get this matter resolved. No one from this company has reached out. According to the FCRA Law 605A and 605B this is a violation of my right to access my credit report. I will be filing a complaint with the CFPB about these matters concerning this illegal activity being performed by the company. 

Thank you, 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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: OR

Complaint narrative:
On XX/XX/2022, I initiated through Discover Bank an ACH transfer of {$20000.00} from my money market checking account at Discover Bank to my checking account at the XXXX XXXX XXXX. The transfer was never executed. And no monies were ever received at the XXXX XXXX XXXX. Nor were the funds returned to my Discover Bank account which has since been closed. 

In subsequent, numerous conversations with Discover Bank and an investigative unit at Discover Bank, telephone # XXXX, between XX/XX/XXXX and XX/XX/XXXX, I was told that the funds were in a " Non Account Holding ''. On XX/XX/XXXX the Investigative unit of Discover Bank asked me for a new routing number and account # to which the {$20000.00} should be sent. I was told the funds would be sent to me within 10 business days. On XX/XX/XXXX the funds had still not been sent, and the investigating agent, id XXXX XXXX, sought confirmation that the funds would be sent to me, and that I would be alerted to this fact today, XX/XX/XXXX. As of today no confirmation has been received. 




















































XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Filed a dispute with the 3 credit companies last year. they didn't remove everything. I've had problems trying to get credit because the stuff is still showing up 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 non-monetary relief
Consumer complaint received 2022-08-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Filed a dispute with the 3 credit companies last year. they didn't remove everything. I've had problems trying to get credit because the stuff is still showing up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: IL

Complaint narrative:
Filed a dispute with the 3 credit companies last year. they didn't remove everything. I've had problems trying to get credit because the stuff is still showing up 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 non-monetary relief
Consumer complaint received 2022-08-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have this fraudulent account XXXX XXXX XXXX on my Equifax and XXXX XXXXXXXX XXXX  affecting my credit even though XXXX has investigated and removed with police a d identity theft report. Can you assist it getting Equifax and XXXX to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
It has been improperly reported that our account with XXXX XXXX was included in a bankruptcy. We did have a bankruptcy that was discharged in XX/XX/XXXX but we were able to keep our house. The address was XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. We sold this house in XX/XX/XXXX. We are now trying to purchase another house and we are running into problems because Our credit reports are stating that the property at XXXX XXXX was included in a bankruptcy and it was not. The loan was paid in full when the property transferred in XX/XX/XXXX when we sold it. We never missed one payment on this account.

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 2022-08-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
It has been improperly reported that our account with XXXX XXXX  was included in a bankruptcy. We did have a bankruptcy that was XXXX in XX/XX/XXXX but we were able to keep our house. The address was XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. We sold this house in XX/XX/XXXX. We are now trying to purchase another house and we are running into problems because Our credit reports are stating that the property at XXXX XXXX was included in a bankruptcy and it was not. The loan was paid in full when the property transferred in XX/XX/XXXX when we sold it. We never missed one payment on this account.

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 2022-08-24 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I am currently in the XXXX XXXX. While XXXX XXXX my information was compromised. Because I was in another country, it was difficult sending dispute request via online. When I got back stateside, I submitted all my information letting them know that several accounts were the result of ID theft. They did not fix the errors. I hope that contacting your agency will finally help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: KS

Complaint narrative:
I am currently in the XXXX XXXX. While XXXX XXXX  my information was compromised. Because I was in another country, it was difficult sending dispute request via online. When I got back stateside, I submitted all my information letting them know that several accounts were the result of ID theft. They did not fix the errors. I hope that contacting your agency will finally help me.

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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On Tuesday XX/XX/2022 ; I open a checking and saving account with TD bank with a check deposit of {$5500.00}. My checking account number is XXXX. My saving account number is XXXX. I was told {$100.00} would be release to me and {$5400.00} would be placed on hold for six business days. Therefore on Tuesday XX/XX/2022 ; I purchased some things. I ordered some checks with the bank representative. The cost of the checks is {$11.00}. Also I purchased a meal at XXXX XXXX for {$11.00} and a purchased some items at XXXX XXXX ; the total amount of the purchase is {$14.00}. On Wednesday XX/XX/2022 ; I checked my checking account there is a negative balance in the amount of {$26.00}. I visited TD bank located at XXXX XXXX XXXX, XXXX, Florida XXXX to find why my checking account balance is- {$26.00}. I was told by one of the TD account the whole check in the amount of {$5500.00} was is on hold for six days. Which is a major issue for me because I was told on Tuesday XX/XX/2022 ; XXXX XXXX would be release to me. The funds of {$100.00} was not release to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 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: UPGRADE, INC.
State: CA

Complaint narrative:
I opened a credit card in XXXX of XXXX with Upgrade Inc. I used that card to put a {$450.00} deposit down to rent a car in XXXX. I returned the car in perfect condition and have pictures to prove it. The car rental company scammed me and said I caused {$1100.00} worth of damages to the windshield and front right tire. I got into a big argument with the rental company and they charged my card {$1100.00} dollars without my consent or authorization. I escalated this to higher management but was unsuccessful. I then escalated it with Upgrade Inc in hopes of getting support. They did not give me any support or effort in investigating this matter further and when they concluded their investigation after months they said the charge was valid and only sent a picture of the contract I sent them in the beginning as evidence of it being valid. I escalated this further but higher management was equally unsupportive and nonresponsive. After the horrible experience regarding the {$1100.00} charge, my balance goes from {$1100.00} to {$1900.00} {$1100.00} out of nowhere without me using the card to make any additional purchases or charges in months. I then call and speak to three different managers about the mysterious {$800.00} increase on the balance and they tell me it is a technical issue and it should be resolved. They do not resolve it and I have to call back three separate occasions and spend hours on the phone to get the same answer and go around in the same circle. Still this day it has not been resolved. I do not want to be responsible for the {$1100.00} original charge or the {$800.00} mystery charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile

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 2022-08-24 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I keep getting turned down for credit that I did not apply for and some letters say they can't confirm my identity. I didn't apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I keep getting turned down for credit that I did not apply for and some letters say they can't confirm my identity. I didn't apply.

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 2022-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
I have a credit card with XXXX XXXX that was closed by the issuer and subsequently charged off. 

While working with XXXX XXXX on a payment plan, the account was " apparently '' transferred to a law firm named Hayt, Hayt & Landau. I have no specific knowledge or communication from XXXX XXXX the account had been transferred to this firm. 

The firm " acting on behalf of it's client '', supposedly XXXX XXXX has obtained a judgment against me. 

The firm contacted me in XX/XX/2022 to arrange a repayment plan on behalf of " it's client '', XXXX XXXX. 

Terms had been discussed and was advised notification of terms would be sent vial email. That email was not received and a follow up phone call to the firm representative, XXXX XXXX went unanswered. Approximately 30 days go I received the first postal communication requesting an installment payment. Due to timing of receipt as well as current financial status, I had not been able to submit the " demand '' payment. 2 days ago, I received a notice of deposition. The law firm acting on behalf of XXXX XXXX is attempting to seize assets and garnish wages. 

Upon reviewing my credit report, XXXX XXXXXXXX has reported my account as " Closed, Account Canceled by Credit Grantor ''. If the account has been canceled, how and why can a law firm obtain judgment and furthermore seize assets, garner wages? 

I have attempted to contact XXXX XXXX to resolve this matter and my calls get immediately redirected to the law firm. 

Upon speaking with the law firm today, the firm is not interested in arranging a payment plan. Merely, pay the balance in full or be deposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
During the last 6 months, we have had several problems with Ally Financial paying back this loan and tried to send a letter in the beginning of XX/XX/2022 to explain the situation, as some of it was largely due to XXXX  reasons and being incapable of making the payment and was also trying to use their phone system with our card but was not successful and needed forbearance. Since XX/XX/XXXX, I had the XXXXXXXX XXXX  of XXXX and was XXXX and was unable to do anything, and was in XXXX at the time so treatment was limited. This was also followed by a XXXX XXXX  where I had XXXX XXXX with about XXXXXXXX XXXX  on around XX/XX/XXXX through the month of XXXX and XXXX and was recovering. I have documentations of this as well During the brief time I was able to speak and try and check the situation, I tried giving Ally bank my credit card and they were unable to process it. I repeated it several times and and they wouldn't let me pay with that card. Then, the exact same thing happened with the debit card when I said it to them over the phone and they couldn't process it. I even tried in XXXX to apply for another credit card and when I was able to get into the online system ( which ALSO I had to call to get into, because it wouldn't let me log in or reset my password for awhile ) I was able to turn on auto pay after making my first payment over the phone earlier that day ( mid XXXX I believe it was ). 

Another issue I had was back in XXXX ( towards the end of the month around the XXXX ) I had turned on auto payments on the website and connected it with the bank but it clearly wasn't working I'm not sure what exactly happened. 

I'm not sure what late fees were imposed but they only waived {$10.00} as a result of this in XXXX and we have paid our payments for the last 2 months and are making every single payment on time and are caught up on our payments and are willing and able to do what's necessary to remove these late payments and have a good relationship with this bank. I've been a customer for 5+ years with them. I will pay whatever is necessary to remove these late payments and do whatever is necessary. I also paid in full once I was out of the XXXX  and made consistent payments 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