vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 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: NY

Complaint narrative:
I have submitted an employment certification form to qualify for public service loan forgiveness multiple times, and Fedloan Servicing refuses to process this form. I submitted it in XXXX, XXXX, and again in XXXX, and they do not update my payment count. I have messaged and emailed them repeatedly, and they do not update my payment count.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: GA

Complaint narrative:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
In XXXX of 2021, I completed a Loan Modification with Loan Depot in which I accepted terms. 
On my XX/XX/2021 Billing Statement, I saw that numbers were being adjusted due to the Loan modification and waited to receive my XX/XX/2021 billing statement to ensure all adjustments were completed. My mortgage payment with escrow was supposed to be {$1600.00} a month. My XX/XX/2021 statement stated I owed {$6100.00}, confused as to why this amount was showing after a loan modification, I called in to verify on XXXX I spoke with an employee ( name and employee ID withheld but available for all communications with Loan Depot ) and stated that all she saw was due was the monthly payment of {$1600.00} and that because it was so soon after modification to allow time for adjustments. XXXX, XXXX, XX/XX/2021 pass with the same amount of {$6100.00} overdue. I call XXXX to find what it is and was told that they are Corporate Fees I return to look over my contract and see nothing that states Corporate Fees but there is an entry for XXXX XXXX which was financed into the loan in accordance with the contract. 
End Result- on XXXX XX/XX/XXXX, I sold the home and Loan Depot took the stated corporate fee amount that Was not apart or stated on the contract I signed. After XX/XX/2021, I continued to call back to settle the issue and was given the run around being switched from employee to employee with no resolution. All supporting documents are available upon request. I am requesting Loan Depot refund the so called Corporate Fee that was not an entry in the contract Loan Modification Terms and Modification Transaction Cost Due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Ive submitted multiple complaints on this company and have yet to recieve my check in which they owe! They could not validate anything and they recieved my Cease and desist which they applied to the account. That alone lets you know that this company is aware of all the consumers it keeps violating yet chooses to continue. The lawsuit they recently sued for? Theres no question why! Theyve been practicing deceptive practices for years and now Im a victim. Im trying my best to be patient and settle this outside of court with this company but I need to recieve a check within the next 25 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: GA

Complaint narrative:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late 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 non-monetary relief
Consumer complaint received 2022-04-20 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: CORELOGIC INC
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter ( certified mail ) requesting a free copy of my consumer file because I had been a victim of identity theft. I attached my Driver 's License and Social Security card with the letter. CoreLogic Credco responded by asking me for more verification of my identity and they said a XXXX XXXX XXXX XXXX would be applicable. XX/XX/2022, I sent another letter ( certified mail ) stating that all sources and report recipients should also be included in my consumer report and that I've also attached all the requested verification of identity. XX/XX/2022, I received CoreLogic Credco 's response stating that they " do not have the report you requested based on the information you provided about yourself and the report. '' I provided more than enough verifiable identification and CoreLogic Credco refuses to release my consumer file, sources and report recipients. A full investigation for identity theft can not be done without the release those documents from CoreLogic Credco. CoreLogic Credco is in violation of 15 U.S. Code 1681c-1 ( 2 ) ( A ), 15 U.S. Code 1681c-1 ( 2 ) ( B ) and 15 U.S. Code 1681g

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Tuesday XXXX XXXX my bank Wells Fargo sent me a email. Stating that I was charged an amount of {$270.00}. For a transaction correction I contacted my bank. To address the problem at hand. I spoke to an operator she told me she wasnt sure, why that was appearing on my bank statement. So then I was placed on hold for 10 minutes so she could speak with a supervisor. to figure out what was going on with the ( transaction correction ) on my account. I was then told that the amount of money was due to a check. That was deposited a year ago she explained, that she wasnt sure why it took this long for that check to finalize. She informed me that it could be either due to the insufficient funds, the check could have bounced, or that the bank credited me the money. From that check and the only option that they presented. to resolve this ordeal. Was to send me a record of my bank statement. for that check from a year ago. Now do to negligence of Wells Fargo I would have to pay the amount of {$270.00} For what happened. they told me that they will be sending me the form. in one or two business days. This isnt the first time my bank does this to me. Im getting sick and tired of this behaviors from behalf of my bank!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
On XX/XX/20, i submitted a correction to my credit report to all 3 credit bureaus online & in letter form. Both, XXXX XXXX XXXX have fixed problem. However, to my surprise XXXX refuses. They closed my case, and I have have to resubmit online again. They are reporting an account with a balance of XXXX $ from Caine & WieneXXXX, which is negatively affecting my credit report for the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My information was stolen and this account was opened in my name without my permission. They presented both fraudulent and stolen documents to open this account without my consent. Please properly remove this debt from my account, it should NOT be listed as a " charged off collection '' because it never belonged to 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 explanation
Consumer complaint received 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Several of the accounts were closed with good stating. Several was included with a bankruptcy yet its still showing as open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: CA

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

In accordance with the Fair Credit act XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX XXXX  # XXXXXXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX XXXX # XXXX, XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. 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 2022-04-20 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-20 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXB XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: CA

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

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX, has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. 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 non-monetary relief
Consumer complaint received 2022-04-20 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: CA

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

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX, has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. 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 2022-04-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  ( Original Creditor : XXXX ) account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX and XXXX XXXX account # XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. After pulling my credit report I also noticed that an item is not right. 
The XXXX XXXX  account needs to be removed because it's inaccurate and unverifiable : Account : XXXX XXXX  ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/2019 Balance : XXXX I have no knowledge of this account, please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 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 and I am filing this complaint about 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 2022-04-20 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: TX

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 55 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Several of the accounts were closed with good stating. Several was included with a bankruptcy yet its still showing as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: MD

Complaint narrative:
Several of the accounts were closed with good stating. Several was included with a bankruptcy yet its still showing as open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: MD

Complaint narrative:
XXXX XXXX XXXX {$130.00} opened XX/XX/XXXX [ collections ] XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX [ finance/personal ] XXXX XXXX XXXX XXXX {$2000.00} [ closed ] in accordance with the fair credit reporting act XXXX  has violated my rights 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 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: MD

Complaint narrative:
XXXX XXXX XXXX {$130.00} opened XX/XX/XXXX [ collections ] XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX [ finance/personal ] XXXX XXXX XXXX XXXX {$2000.00} [ closed ] in accordance with the fair credit reporting act XXXX  has violated my rights 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FL

Complaint narrative:
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