vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I filed a complaint # XXXX, which has been closed. 
I received ( 3 ) three-month forbearances due to Covid & I thought my bank had NOT extended the maturity date of my loan, but they did. I was wrong. 
That fact made me realize that the payoff amount the bank says I owe is incorrect ( too high. ) On XXXX I requested an amortization showing all of my payments & how they were applied & I've received it. The maturity was extended by 11 months. 
My loan started in XXXX ; it was for {$25000.00} for 15 years ( XXXX payments ) at 7.6 %. My original documents say my total payments would equal {$41000.00}. The amortization shows I've made XXXX payments which I calculate totals {$41000.00}. 
The amortization shows the XXXX forbearances & XXXX skipped payments ( which I was allowed to do for a {$35.00} charge ) XXXX in XXXX & XXXX in XXXX. 
My bank says I owe {$2000.00}. 
I produced an amortization on an online calculator that allows skipped payments & the amount it says I owe is significantly less ( I actually set it up to start in XXXX & end in XXXX & skipped the same months. ) There are entries on amortization from XXXX I question. XXXX XXXX XXXX {$1700.00} & XXXX XXXX XXXX {$1500.00}. 
I tried to call to discuss this yesterday, XXXX. I talked to XXXX different people in various departments. None of them could help me. I tried to call individual with office of chairman, but could not connect. 
I faxed paperwork for modification due to hardship on XXXX & have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunbit, Inc.
State: TX

Complaint narrative:
XX/XX/2022 I purchased a handheld XXXX  XXXX  XXXX XXXX Assistive Reader. I purchased this XXXX XXXX device at a discounted price of {$1700.00}. I paid a down payment of {$180.00} which was required in order to finance the XXXX. XXXX was approved using Sunbit XXXX at XXXX. Sunbit processed my down payment on behalf of XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX  a third-party who set up the Installment Loan Agreement. I was surprised and confused because I didn't expect the high APR. Being a XXXX elderly person, my medicare would pay 80 % of the costs under " durable equipment ''. I felt that I could manage the 20 %. The following is my understanding of what the loan agreement breakdown should look like. 

{$1700.00} = amount XXXX  paid to XXXX for discounted device Less {$180.00} down payment for financing with Sunbit/XXXX  XXXX  {$1500.00} should be Amount XXXX 24.99 % XXXX {$380.00} should be Finance Charge {$1900.00} should be Total of Payments Payment Schedule : 24 months Payment Amount : 23 months @ {$80.00} plus 1 month @ {$80.00} XX/XX/2022 I emailed Customer Support at Sunbit about my difficulty understanding the break down and how the payments work. Nothing was changed and no further contact with Customer Support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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 am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-11-02 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 am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: MI

Complaint narrative:
Experian is refusing to remove the address " XXXX XXXX XXXX, XXXX XXXX, MI XXXX ''. I have never owned this address and have provided my drivers license showing my address.They state its being provided by the furnisher but I have asked for this furnisher 's contact information and Experian has refused to provide this. Ive checked with other credit reporting agencies like XXXX and XXXX and this address isnt being reported I want this address removed and if its not removed right away I will SUE Experian. This is an on going issue that I have tried to resolve over the past few months and I have documented Experian 's methods of Ignoring, and refusing to resolve this issue

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 2022-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Farrell Holdings, LLC
State: CA

Complaint narrative:
THE AUTO LOAN WAS OPEN FRAUD FROM XXXX XXXX XXXX IN XXXX XXXX I CONTACTED THE FINANCE COMPANY AND THEY SAID TO REPORT it to THE 3 LARGE CREDITORS AND ALSO FTC IM IN A BAD HOUSING SITUATION AND NEED THIS REMOVED FROM MY CREDIT HISTORY SO THAT I CAN MOVE FORWARD WITH MY LIFE IF YOU SEE I HAVE A CLEAN CREDIT SLATE CAN YOU PLEASE ADVISE PAC TO REMOVE THIS AT ONCE MY LIVELY HOOD IS AT STAKE DUE TO FRAUD I AM A MOTHER OF XXXX I NEED THIS SITUATION HANDLED AT IT IMMEDIATE MATTER THANK YOU XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 a 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 explanation
Consumer complaint received 2022-11-02 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Fraudulent charge to Citi Master Card dated XX/XX/XXXX for {$230.00}. The vendor was XXXX ( XXXX ). This was an online charge and our cards were not lost or stolen. This was reported immediately to the Citi XXXX department who now refuse to correct the charge and and threaten to report us to the three consumer reporting agencies if we dont pay Citi Corp back The vender has also been contacted and states they can not assist as the charge was made too long ago.

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 2022-11-02 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-02 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: FL

Complaint narrative:
I sent paperwork to update my credit report information to the correct and updated name, address, SSN, date of birth, and phone number via XXXX certified mail on XX/XX/2021. I have still not received or see the updated information on 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 non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent paperwork to update my credit report information to the correct and updated name, address, XXXX, date of birth, and phone number via XXXX XXXX mail on XX/XX/2021. I have still not received or see the updated information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TX

Complaint narrative:
I have sent letters regarding fraudulent information in my report, but I did not receive any response. It is my right to dispute something inaccurate and also to receive response from what I sent. They have violated my rights because it has been XXXX 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 non-monetary relief
Consumer complaint received 2022-11-02 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 have sent letters regarding fraudulent information in my report, but I did not receive any response. It is my right to dispute something inaccurate and also to receive response from what I sent. They have violated my rights because it has been XXXX  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 2022-11-02 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: SC

Complaint narrative:
American Financial In accordance with the Fair Credit Reporting act XXXX Account # 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 a 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 explanation
Consumer complaint received 2022-11-02 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: SC

Complaint narrative:
American Financial In accordance with the Fair Credit Reporting act XXXXt Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
in XXXX i bought an XXXX XXXX XXXX XXXX} and traded an XXXX XXXX for {$250.00}, the total will be XXXX dollars but apple and goldman sach are charging me {$990.00}. I have called numerous times and supposedly they have already resolved but the charge continues to arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good day. 

I called XXXX and spoke to them and expressed my financial struggle. I also explained to them that I am going to apply for the Biden forgiveness loan. She explained to me that she didnt have information on that and I could call back for more information. I spoke to them a second time prior to credit reporting, and I am sure the call is recorded and I was not informed as a matter of fact misguided and misrepresented with the information. Now I am showing 90 days past due on all my student loan information without a true representation of my conversation with them.

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good day. 

I called XXXX and spoke to them and expressed my financial struggle. I also explained to them that I am going to apply for the XXXX forgiveness loan. She explained to me that she didnt have information on that and I could call back for more information. I spoke to them a second time prior to credit reporting, and I am sure the call is recorded and I was not informed as a matter of fact misguided and misrepresented with the information. Now I am showing XXXX  days past due on all my student loan information without a true representation of my conversation with them.

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 2022-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Since XXXX XXXX I have been given the runaround. I have sent countless emails, proof, recorded phone calls etc.Yet, representative XXXX XXXX Ally auto has been negligent and intentionally falsifying statements.My payments for my vehicle were mishandled by Ally.

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 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a $ XXXX promotional balance ( started on XX/XX/XXXX ) which was good through XX/XX/XXXX. As I was making payments to this card, over {$4600.00} of the promotional balance was paid off instead of Wells Fargo applying the payment to the interest bearing account balance. I have called Wells Fargo and they confirmed that after the minimum payment is made, remaining payment amounts are applied to merchandise purchases and cash advance first, then promotional balances. However, since I made 2 payment on XX/XX/XXXX ( $ XXXX and {$9900.00} ), they applied approximately {$4600.00} to the promotional balance at 0 % instead of applying it to the interest bearing merchandise balance. 

You can see from previous statements, payments were applied to merchandise balances first with a minimum amount being applied to the promotional balance. However, my XX/XX/XXXX payment was not applied in the same manner.

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 2022-11-02 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
ChexSystem is reporting inaccurate bank account data on me and they do not have my written consent to report any information. There are inaccurate addresses and other personal information in the report. 
The bank, XXXX XXXX XXXX is an unreliable source. ChexSystem does not have permissible purposes to report any information on me as a consumer.

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 2022-11-02 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: TX

Complaint narrative:
There were accounts in my report that does not belong to me, I do not know how they verified it but they did not provide me anything. I sent the letters on XX/XX/2022 and util now I did not receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: GA

Complaint narrative:
I have requested a refund in accordance with policy of being entitled to refund for payments made during the COVID payment pause. I first requested by email in XXXX, I requested again on XX/XX/XXXX. The company will give no details or estimate for a refund will be issued.

Company response to consumer: Closed with explanation