vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: OH

Complaint narrative:
I have multiple accounts on my credit ( all three credit bureau 's ) report that do not belong to me, I have tried many times to get this corrected directly with the companies, but have had no luck doing so. I have the details that report to my credit and that is it, I have listed below. 

Accounts XXXX ) XXXX XXXX XXXX Account number # XXXX opened XX/XX/XXXX Balance {$5500.00} XXXX ) XXXX  XXXX Account # XXXX Amount {$4300.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX Amount {$1300.00} opened XX/XX/XXXX I ALSO HAVE AN INCORRECT PAYMNT HISTORY TO THE ACCOUNT BELOW, THIS ACCOUNT IS MINE BUT I WAS NEVER LATE. I DID DO A PAYMNT DEFERRAL WHEN COVID FIRST HAPPENED XX/XX/XXXX AND I WAS ADVISED THAT THE PAYMNT WOULD NOT EFFECT MY CREDIT AND IT WOULD BE PUSHED BACK UNTIL THE END OF THE LOAN. COMPANY INFO BELOW AND ALL LATES THEY HAVE REPORTED AND THEY ARE ALL WRONG Account Name XXXX XXXX Account # XXXX Opened XX/XX/XXXX limit {$20000.00} Balance {$12000.00} They have reported my late on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXXThis is all wrong and should not be reporting this way~

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: NC

Complaint narrative:
On XX/XX/22, I paid a XXXX XXXX XXXX credit card bill at a checkfreepay agent, XXXX. I gave the wrong account number by accident, XXXX. The correct account number is XXXX. 

Upon calling checkfreepay on XX/XX/22, I was told that as the payment has been delivered to bank XXXX XXXX, the only option is to visit an agent location where they will proceed to call checkfreepay, and work to apply the payment to the correct account. This should then show up correctly within 10-15 days. I called again on XX/XX/22 and I was told the exact same guidelines on how to proceed. 

Instead, when I reached the checkfreepay agent, XXXX, the checkfreepay representative told XXXX that I needed to dispute the payment with my bank. This goes counter to any research I've done on the matter online, and counter to the XXXX calls I made to checkfreepay personally, where they each stated that the payment should simply be corrected. Attached is my statement showing the correct account number, along with the payment receipt from 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 2022-09-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Report 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 cannont furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Report 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 cannont furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  Account # XXXX, has violated my rights 1

5 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 cannont furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
this account doesn't belongs to me but somehow these company have continuously sending me debt letter.

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 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I called FedLoanServicing to request refunds for payments I made during the federal payment pause. I am eligible to receive refunds due to federal law. 

The loan agent I spoke with denied my request 4-5 times over the span of more than 2 hours. I informed her that I am in fact eligible and she denied that I was. She had me wait on hold multiple times, for several minutes at a time. The last hold she had me wait on was over 40 minutes and continued into their closing time. I hung up and called back and could not reach an agent because they were closed. I believe she intentionally left me on hold for this long into closing time so she would no longer have to speak with me. 

I called again on XX/XX/22. The first agent I spoke with denied my request and transferred me to his supervisor. I waited on hold for over 20 minutes and decided to hang up and call back. 

This time, the agent I spoke with was very kind and processed my request. She told me I can expect a refund as early as XX/XX/22 and that my closed accounts would be reinstated according to amount refunded. I thanked her. 

I called on XX/XX/22 to request an update on the status of my refund. The first agent I spoke with stated she could provide no update or any additional details other than a request has been received and it may take 30-45 days to receive a refund. I requested to speak to a supervisor.

When the supervisor answered she asked if I wanted to request a refund. I stated that my refund request has already been submitted and that I am requesting a status update on my refund request because I was told I can expect the refund as early as XX/XX/22. The agent stated she can provide no additional details other than the refund may take up 180 days. 

I am complaining because 1 ) some agents are flat out denying requests 2 ) some agents are reluctant to process requests 3 ) agents are giving inconsistent information and cant provide pertinent details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I the consumer, applicant and natural person, was denied by Navy Federal when I applied for multiple personal loans.

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 1691c and is pursuant to civil liability under 15 USC 1692k You are subject to criminal liability for violating 15 USC 1691 as I have proof that i was discriminated against by Navy Federal due to the response i received which is attached.

Navy Federal is in violation of 15 USC 1642, 15 Usc 1681m and 12 CFR 1002 because I, the consumer and applicant, made an application in good faith with good intentions, but credit was not issued.

Furthermore because my credit card ( social security number ) was used and I the cardholder of that credit card received NO benefit. This is proof of FRAUDULENT ACTIVITY ( unauthorized use of credit card ) on behalf of Navy Federal If Navy Federal fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card i will imdeed make Navy Federal criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o Thank you XXXX : XXXX beneficiary/agent Without Prejudice. All Natural Inalienable Rights Reserved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: GA

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My husband and I recently applied for a home equity line of credit with PNC bank. My husband is XXXX XXXX military serving for over 18 years. I have submitted my pay stubs as well as my husbands pay stubs upon request. We both have exceptional credit over XXXX. I received a request back from the lender asking me to have my husband write a statement attesting he will be in the military for another 3 years. I feel this is discriminatory to our military because I am not being asked if I will have a job for the next 3 years because know one knows if they will retain employment at their jobs. My husband being asked to provide a letter about his military service and his plans for 3 years should not be a basis for obtaining a loan or part of the underwriting process. Military service members pay is a combination of monthly pay, housing allowance, food, and at times cost of living adjustment. To deny a service member a loan due to their future in the military is not right as that is not asked of a civilian employee. This lending practice is particularly unfair to our service members and I am complaining not only for the protection of my husbands rights but that of other men and woman in the armed forces.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: CA

Complaint narrative:
On XX/XX/XXXX I called XXXX and requested a free Credit Report, which I received on XX/XX/XXXX. It was Report # XXXX for XX/XX/XXXX and appears to have correct information in it for me. 

Included in the same envelope was Report # XXXX for XX/XX/XXXX which had what appears to be identical information in it, but referencing a person whose name is similar to mine, but IS NOT ME. I have NEVER gone by the last name " XXXX ''. 

I wish to know : 1-Why were two Credit Reports sent to me? 
2-Who is this person, XXXX XXXX whom I've never heard of?

3- Is this a case of identity theft or fraud?

4- When do you plan to correct this obvious error? 

I look forward to your addressing this matter by XX/XX/XXXX. Should you choose to ignore or excessively delay a response satisfactory to me, I plan to file a formal complaint with the Consumer Financial Protection Bureau.

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 2022-09-12 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
My card was issued by Comenity Capital Bank on behalf of XXXX 's XXXX XXXX. 
On XXXX XXXX XXXX I was notified by the banks fraud department that there was unauthorized purchase on one of my cards ( I have two cards, one for me and the other for my wife. They both have different numbers ). The card affected was my wife 's card. 
When I responded to bank 's text with a " NO '' that it was not my purchase they told me that the charge will be removed, and the card will be blocked, and the new card will be sent within 7 to 10 days. That was well over a month ago. I contacted the bank and their fraud deportment several times, and the only response I got was, that they can not access my account therefor they can't resolve the problem, and can't take off that fraudulent charge. I logged on my account the other day ( yes I can get on my account ), and that charge still on my statement and they are charging me interest on that amount, because I did not pay it last month. Please help me resolve this, the bank is of no help, and now I don't trust them at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX Name XXXXXXXX XXXX, Account # XXXX Name XXXX XXXX XXXX, Account # XXXX Name XXXX XXXX XXXX XXXX Account, # 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 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 2022-09-12 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX Name XXXXXXXX XXXX, Account # XXXX Name XXXX XXXX XXXX, Account # XXXX Name XXXX XXXX XXXX XXXX Account, # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Being sued by portfolio recovery for a credit card debt over 7 years ago an to refund the payment of XXXX, if not paid will be processed as a credit card fraud or failure to pay,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The address dispute has been received and should be completed by XX/XX/2022. 

Source : XXXX Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX I had on several occasions written and indicated to XXXX XXXX XXXX and Transunion to correct my address but they have refused since 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 explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The address dispute has been received and should be completed by XX/XX/2022. 

Source : XXXX  Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX I had on several occasions written and indicated to XXXX XXXX Equifax and XXXX to correct my address but they have refused since XXXX XXXX XXXX to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Got a letter from Bank of America saying that they are working on an credit card application under my name for the XXXX XXXX XXXX XXXX XXXX XXXX ( R ) and need to verify the info on the application. 
I called my bank and let them know that I didn't apply for the card and that my identity info have been compromised. I request them to cancel the application process.

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 2022-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The issue I am having is that this credit card was not opened by me. I have made multiple attempts to resolve this matter, and this issue is still ongoing. This company obtained a judgement on me in small claims court with no notification of any court date for me to attend. LVNV Funding LLC falsified that I was served, and I was never notified. Now they are pursuing a garnishment against my wages. What my concern is that how many people have they done this too. The information was just received on XX/XX/2022, of a garnishment and they filed this in the court on XX/XX/2022. I have disputed this issue over and over for years because my purse was stolen, and all my identification was stolen. I had to get replacement license, green card, social security card. Everything was replaced. Can you please direct me on getting this issue resolve. This company is obtaining judgement against people through fraudulent practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase has failed to contact me to discuss the situation at hand and the documentation I have. Through the portal, I received a " pattern letter '' response without any basis on their denial of promotional benefits. 

I am very upset and frustrated by the lack of customer focus and their willingness to support and help me. The responses are swift but lack any basis and/or due diligence on their part. 

They are not taking any responsibility for the mis-information received. 

Please review the generic response as it failed to address my core issues and how their process created detrimental reliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: GA

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX accounts with DPT EDXXXX XXXX and XXXX. This has caused me tremendous XXXX, XXXX, and financial hardship.

Company response to consumer: Closed with explanation