vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I need assistance as I have been trying since XX/XX/XXXX to get a payment refund on account ending in XXXX ( XXXX XXXX Credit Card ), in the amount of {$4600.00}. As the total balance was debited from my checking account vs. the min. payment. I have called multiple times to try and resolve this matter. I called on XX/XX/XXXX and was told that the refund process had an error on Synchrony 's part and that it had to be resubmitted. On XX/XX/XXXX I was told that the refund check had been approved and was issued on XX/XX/XXXX. My credit line was decreased while waiting for the check to be issued, I called on XX/XX/XXXX and I was informed that the credit line decrease would not impact the refund process or the refund amount. I called today XX/XX/XXXX and spoke with 3 representatives and was informed that the check has not been issued, and they were unsure why it has not been issued. I was also informed today XX/XX/XXXX by the third representative that I spoke with that no one could contact anyone in the refund department to see why it has not been issued and sent out and to request a status update on when to expect the check to be issued and to be in my hands.

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 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Bank ( account initially opened in XXXX, TN ) has been charging my account a monthly fee of {$5.00} for account access for a 3rd party. I have several emails going back and forth trying to resolve the issue, and have been told it's resolved... only to have the charges continue to show up and Regions Bank continue to charge me the monthly fee ( which I believe will now go up to {$8.00} per month instead of the {$5.00} they have been stealing each month ). Their excuse each time is usually something like, " Well, this is online banking 's error ... '' I have several emails from the bank manager and her rep that I can supply as supporting documents. This is THEFT.

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 2022-01-18 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: PA

Complaint narrative:
I received a letter dated XX/XX/2022 from Aidvantage stating my federal student loan payments would resume auto debting from my account on XX/XX/2022. This is obviously incorrect as President Biden has paused federal student loan payments until XX/XX/2022. No response from aidvantage when I emailed them about it. They are not authorized to autodebit this amount from my account prior to XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am the victim of identity theft. I was contacted, over a year ago, by an old insurance carrier that their system was hacked and my information was stolen. Since then I've had multiple occasions where someone has tried applying for a credit card in my name. I've contacted the credit card companies and they're aware of my circumstance but they still haven't removed the multiple hard inquiries from my credit report nor have they stopped allowing fraudulent applications to be processed. These hard inquiries need to be removed from my credit report immediately, and Capitol One needs to cease allowing more applications to be processed. They are adversely affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 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: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
CHEXSYSTEMS , INC. CONSUMER RELATIONS XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX IS REPORTING FRAUDULENT INFORMATION IN MY GOOD NAME VIOLATING THE FCRA RULE OF LAW.

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX CONSUMER RELATIONS XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX IS REPORTING FRAUDULENT INFORMATION IN MY GOOD NAME VIOLATING THE FCRA RULE OF LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am seeing multiple hard inquires on my credit report by XXXX XXXX bank which I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have some fraudulent accounts on my credit report. Please see attachment

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have some fraudulent accounts on my credit report. Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I have sent do not contact me letters. 
I refused mail. 
This also looks to be old. 
I do not know Radius Global Solutions LLC. 
I also DO NOT OWE THEM ANYTHING. 
They also DO NOT EVEN HAVE THE CORRECT NAME.

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 2022-01-18 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: Ocwen Financial Corporation
State: OH

Complaint narrative:
What I'm failing to understand is unprofessionalism and the many violations coming from CFPB. This is NOT this first time you have provided my personal information too unauthorized companies. A company that has no legal right or my consent to access or utilize my personal information. 

I made my report to you, CFPB about a company that was a part of my XXXX XXXX discharged bankruptcy that had gone out of business however XXXX continued fraudulently reporting for OVER four years ruining my credit report. 

I got a letter in the mail from some strange and unknown mortgage company that i have NEVER did business with, ever. This unknown company is NOT a part of my bankruptcy. The original creditor is listed in the bankruptcy and that account number has been discharged under the original creditors name. 

For this unknown company to have gotten access to my personal information and accessed files FROM the United States Bankruptcy Courts, FEDERAL documents and illegally altered the information, AFTER a Judge has discharged the account is a whole crime within itself! 

This unknown company has NO legal rights too any of my addresses, account/case numbers nor anything else. For one, I did NOT willingly consent and for two, the entire account was long discharged in Federal Bankruptcy Court BEFORE the company went out of business. 

PLEASE tell me when will this stop? When I filed Bankruptcy, EVERY account under the bankruptcy rules and laws were too be REMOVED off the credit report COMPLETELY! This is the results of bankruptcy debt buyers that are only interested in XXXX  XXXX and XXXX XXXX discharged debts. 

It's been ALMOST 5 years since the discharge and i have NEVER fully been given that right too a fresh start because you all allow these discharged accounts too continue too be listed on my credit report. How could an agency that is supposed too help allow such criminal behavior? This is supposed to be an government agency I have kept all my copies of reports and complaints and a very long list of criminal activity because I want others too witness how horrible an government agency allowed an consumer to be treated by creditors that are allowed to violate FCRA and completely ignore an court injunction & boldly being in contempt of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Commenity bank account fraudulently issued a credit card using my information. They said I would not be responsible for the charges. This was identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am seeing multiple hard inquires on my credit report by XXXX XXXX bank which I have not authorized.

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 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent correspondence to TransUnion requesting a proper investigation, in accordance with the FCRA, in to multiple accounts on my consumer report. By XX/XX/XXXX, I still had not received an update from TransUnion as to the status or of the investigation. 
Eventually, via online portal, the " results '' came back as " Verified '' with no additional information provided to me, the consumer, as required by law. The only way for TransUnion to correct its shortcomings and be in compliance with federal law, is for them to delete the accounts in question. They no longer have the leniency of simply changing the status of these accounts to reflect " disputed ''. 

At this point, in order for TransUnion to be in compliance with the FCRA, these accounts are required to be deleted. They have not been. With this evidence, I consider TransUnion to be in direct willful and knowing non compliance of the Fair Credit Reporting Act and they are liable for damages, pursuant to 15 USC 1681n.

Even so, I gave TransUnion TWO more chances to correct this mistake. First, I sent a follow up letter reminding them of how they had failed to provide investigative information with me as required by law. No response. Most recently, I delivered correspondence to them on XX/XX/XXXX, explaining the laws they are in violation of and demanding the removal of said accounts. TransUnion has assumed a vital role in credit reporting and has a grave responsibly to furnish consumer reports in a fair and accurate and impartial way- Congress states. They are failing to uphold their grave responsibilities. Congress also states, TransUnion 's actions directly impair the efficiency of the banking system and undermine the public confidence which is essential to the continued functioning of the banking system. 

This complaint is my final attempt before I am forced to file a law suit against TransUnion for damages and stress and for willful and knowing non compliance with the FCRA, a federal law.

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 2022-01-18 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: NY

Complaint narrative:
i have an account on my credit report from the creditor XXXX XXXX that is reporting as CHARGED OFF with random months showing '' payed as agreed " in its payment history. 
I DID NOT OPEN THIS ACCOUNT, and I DID NOT MAKE ANY CHARGES ON THIS ACCOUNT. 
i was told by an experian rep that i can not be assisted with this, and there is nothing i could do! 
this account needs to be blocked from ALL REPORTS ASSOCIATED WITH MY IDENTITY asap!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NORTHWEST BANCSHARES INC
State: IL

Complaint narrative:
I noticed a unauthorized car loan on my credit report that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: GA

Complaint narrative:
It is my belief that Equifax closed out CFPB Complaint # XXXX as a stall tactic. If the appropriate procedures had been taken, it shouldn't have taken this long to produce the documentation requested in complaint # XXXX. Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Im aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Equifax has committed fraud and Identity theft pursuant to 15 U.S. Code 1681a ( q ) ( 3 ) for furnishing information to my consumer report that is in clear violation of the Fair Credit Reporting Act without my lawful authority. 

Please provide the written instructions that I, the consumer gave to Equifax which has authorized this furnished information. If you can not provide me with these instructions written by me prior to the notice received by Equifax on XX/XX/2022, through the CFPB portal complaint XXXX, this has been a fraudulently made consumer report using my identifying information. 

I have attached an FTC report due to the fraud and identity theft that has taken place. Im demanding the items below be blocked and removed pursuant to 15 U.S. Code 1681c-2 not later than 4 business days. I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written instruction of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a sentence of imprisonment of 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
XXXX I agreed to apply for a loan {$1000.00} XXXX I get a direct deposit of only {$450.00} XXXXACH {$65.00} applied to interest only XX/XX/XXXXACH {$65.00} applied to interest only XX/XX/XXXX-ACH {$65.00} applied to interest onlyXX/XX/XXXX-ACH {$65.00} applied to inteerest only I inquire about the loan, only to find that any payments made was to interest and my principal stayed the same amout. Also the orginial 669 % apr has been changed 772 % apr Outrageous!!! sent an email like the website instructs you to do when you want loan deatils. NO RESPONSE!!! 
Yesterday I accessed the website to and setup a customer account. Only to find all these documents that got sent to an email that I use only for my XXXX and to access the internet with my XXXXXX/XX/XXXX 
I never agreed to withdrawls from my bank account but the contract says " to revoke this I have to tell them my option of how I want to make my payments. '' So what I understand the money taken from my bank account is only for their interest and the loan needs further instruction for repayment details??? 
Also federal and state laws dont apply to them, so they can change the terms of my loan and what I agreed to. The " XX/XX/XXXXlands '' what does that mean XX/XX/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 explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
This debt is not mine. I never had any contract with this company. Have reached out several times to have this remove from my file. They never sent in documentation or contract when asked for proof. This is causing me damages and will litigate if necessary.

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 2022-01-18 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: TX

Complaint narrative:
I was reviewing my credit report and noticed that there are discrepancies with my credit report. Please BLOCK and DELETE the following information that is on my credit report as these are fraudulent. I have sent letters to the credit reporting companies and I have not gotten anything back from them. Please 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 2022-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022, I was unlawfully discriminated against by Lightstream when I applied for a used auto loan and pursuant to 15 USC 1691; it was a violation against my rights as a consumer! I reached out to express my frustration with the company and they directed me to an email, that they said, contained the results that allegedly led to my denial, which wasn't the case. The email didn't serve as a resolution to the infringement upon my rights so I decided to reach out again and so far, no resolution!

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 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
XXXX was contacted by the Attorney General in their state in 2020 to do the following : XXXX ) not contact me about a school debt due to the pandemic. 
Additionally, I have received no correspondence from this company. 

The amount they claim I owe is exaggerated with over XXXX dollars in their fees and they are attempting to collect during a pandemic. 

They placed a collection on my credit report without communication with me. 

According to the Bureau of Consumer ProtectioXXXX their collection process is erroneous and XXXX must prove they have a right to : XXXX ) Add fees of their own to the payment believed to be owed XXXX ) Collect from a consumer with no job during the pandemic in the state of Florida. 

XXXX ) Attempt to collect any monies after the Attorney Generals office interrupted the process. 

XXXX ) Prove they provided documents to me from a letter they wrote to their Attorney XXXX office in 2020. 

If they continue to do illegal practices I will sue them in small claims court. Colleges and universities are canceling debt due to the 3 year pandemic. I certainly will not deal with bullying or discrimination due to my financial status. I will contact Help me XXXX and XXXX XXXX XXXX XXXX because this company conducted 5 plus soft pulls on my credit. This is harassment and illegal.

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