vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) ( XXXX  XXXX XXXX  XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX  XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) ( XXXX/XXXX  XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-07-27 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: DISCOVER BANK
State: PA

Complaint narrative:
Discover Financial Services refuses to refund me for an order that I paid for and never received. The order was marked as delivered with no images of delivery on XX/XX/XXXX. I contacted the company in question ( XXXX ) to let them know of this and that I would like a refund, as I was traveling soon and would not be able to receive a replacement. They refused, despite not have any written policy that says they are not liable for lost packages ( or ones that are not received ). When I questioned this, their response was that " Not all of our policies are explicitly written '', which is problematic. 

I filed a claim with Discover to dispute this charge. Discover, to my surprise, sided with the merchant after receiving a document ( that I could have provided ) that marked a timestamp for delivery. This is not proof that the item was actually received or even delivered to the correct address ( or even delivered at all ). Why? Because carriers oftentimes make mistakes. This wouldn't be the first time a customer of any company has had something delivered ... to only find that it's not actually there. Despite being a customer with Discover for 8 years and not filing a single dispute prior to this, Discover requested that I jump through various hoops to get this resolved ( XXXX, FTC, Attorney General, XXXX claims and complaints ). They did not require anything else from the merchant. This seems wildly unfair and problematic, because as my bank they hold the funds that I used to pay for this purchase that I, again, never received. 

I contacted XXXX to make a claim and they denied it saying that the merchant ( XXXX ) must file the claim according to their agreement, but XXXX has refused to do this. This leaves me with absolutely no recourse, and as a last resort ( my bank ) has denied me as well. This is ridiculous, unfair, and unprecedented. 

I am the Head of XXXX at two startups, and I file responses to chargeback every week. Every claim that has been made by a customer who says they have not received a package that was marked as delivered has ALWAYS been successful - meaning that their bank has NEVER sided with us, even though we provide proof of deliveries from carriers. Why is this not the case for Discover?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report. I also became aware of and informed that Well 's Fargo paid a settlement regarding this account on my behalf to my former Attorney. However my name was forged on documents, and settlement money was collected from Well 's Fargo on my behalf. My former Attorney asked me to sign one single document for one thing in the case, and my signature was attached to other future documents without my knowledge or consent. My former attorney never informed me of a money settlement with Well 's Fargo and kept all the settlement funds for himself. Despite me paying my former Attorney monthly payments to handle my case with Well 's Fargo and XXXX XXXX XXXX XXXX XXXXXXXX. My former attorney was playing a dual roll and Represented me as a defended in the case. While also representing Well 's Fargo as the Plaintiffs in the same XXXX County Illinois Chancery case XXXX -- XXXX. 

However Nothing was done in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX case and he only worked on the Well 's Fargo case keeping all the settlement money from well 's Fargo which is fraud scam.

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 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
We need Fifth third bank to provide proof and tracking number - There is nothin they can proof that the check was sent to IRS except their letter. 
IRS doesn't have the check. 
We can not try to close without resolving this issues. This is the worst discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I applied for forbearance at the beginning of the pandemic. I am behind on 16 payments which amounts to just over {$60000.00}. When we were approved for the forbearance, we were told by the lender that the delinquent amount during the forbearance period will be added to the balance of the loan. After submitting the loan modification application per the lender 's request, they are not providing me with any home retention program as they say I was not approved for any and the only options provided to me are pay balance in full, short sale or deed in lieu. 
I am not able to pay the balance in full at this time but I am able to resume making the regular monthly payment and would like to keep the house as I am a senior citizen and this is our primary residence. 
Your response and help is very much appreciated. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was turned down by XXXX XXXX XXXX and Equifax information was the reason. 

When I went online to pull my credit, Equifax would only show me an XX/XX/2021 and would not give me a current one. 

The telephone representative said she could not get me a current report and did not know what she was doing. 

Have them email it to me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tesla, Inc.
State: CA

Complaint narrative:
Tesla Energy Inc was contracted to install a solar system and powerwall in XX/XX/XXXX. This was installed in XX/XX/XXXX after multiple reschedules. To this date, they've had 2 failed inspections and have made zero attempts at keeping me in the loop on their progress towards a completed and approved project. Since XXXX, they have made weekly phone calls to collect debt because they marked the project complete in the system. In fact, they marked the project complete in the system in advance of the first inspection. I have verified with the XXXX county inspector these facts and he has not received any updates or progress towards a signed system.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: GA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I XXXX XXXX XXXX. Contacted HP Sears. 
On XX/XX/XXXX, XXXX to come to an agreement.No Agreement was made.Today XX/XX/XXXX XXXX XXXX XXXX I Call once again HP sears after a year.To make another agreement which I was on successful to make an agreement with them The agent that took care of my call was very unprofessional and rude.I explained to the agent that I was taking SSI.That if we can come in to an agreement of a payments every month. 
His answer was Because of the amount of $ XXXXI only can do {$350.00} One time payment I ask if we can do monthly payment he said he can not do that. I also mention if he was familiar with the Hyppa law his answer was yes. 
Im kind of concerned about this been in my credit report.I am willing to take action Responsibility.to get this resolved I believe there is accurate information in my account I will like to have this removed out of my credit report if there is in accurate information.

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 2021-07-27 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: AES/PHEAA
State: GA

Complaint narrative:
On today XXXX I checked my credit and seen some thing on there I did do. 

Account Name : XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : FED LOAN SERVICING Date Open : XXXX Account Name : FED LOAN SERVICING Date Open : XXXX Account Name : XXXX, XXXX Date Open : XXXX Account Name : XXXX XXXX- # Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX, 1 Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have spent over {$900000.00} in credit card charges over the years with Citibank. I pay my balance off monthly. I bought a large condo which I planned to remodel and wanted to keep the charges all on one account so I took out a double cash credit card. I thought getting 2 % cash back would be an added benefit. When I received the card I only had a {$10000.00} limit. I called to ask for an increase. I have excellent credit but they said noI had to wait 6 months. I started using the card and when a charge came in I would pay it off so I could make more charges. They immediately started declining charges even tho I had XXXX balance. After many conversations and getting different answers I got on a 3way conversation with my bank as I was told paying off my charges so quickly was suspicious and it could be drug money. The bank verified who I was and I thought that would clear up any questions. Well it didnt. I was then told it was because the business making the charges wouldnt accept the money. None of it makes sense. I have decided they want to hold your limit so they dont have to pay the 2 % by only letting you charge only {$10000.00}. Nothing is said about that in their advertising. I feel that is fraudulent on their part. I am very disappointed in Citibank. I might add I am an XXXX year old female widow

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 2021-07-27 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: Nelnet, Inc.
State: IL

Complaint narrative:
I checked my credit report today. My report indicated that I am behind 90 days on my loan repayment. I logged into my account and it indicates the same. It further breaks down the details of the loan, indicating that the school attended and loans were disbursed for XXXX XXXX. XXXX XXXX is a part of a class action lawsuit which lead to all loa

ns being forgiven. I logged into
my Federal Student Aid login and confirmed that my XXXX loans are forgiven as well. 

Additionally, if I'm not mistaken, an executive order was issued by the government stating that during this COVID period, no student loans should be being reported as negative to personal credit reports. During COVID, I have not worked. My loans have been deferred for a while now. 

I was unaware that these loans were even due. Nonetheless, they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus for a company called XXXX XXXX. The company is is reporting inaccurate account name, no of months, payment status, last reported, Date of last activity, and date of last active. This is a violation. I have disputed this information several times starting at XX/XX/2021. I have not received a response. They had had plenty of time to investigate and respond 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 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: IL

Complaint narrative:
My identity was apparently used fraudulently to obtain services and credit that I did not have knowledge of or authorize. I have not been contacted ever to apply for credit, authorize credit or discuss the credit by the company, bank or load provider or collections agency. Additionally, the only inquiry to my credit reports has been by collections agencies. The original vendors never made inquiry before granting fraudulent credit in my name. Yet, without any knowledge of these transactions or involvement with obtaining credit, the collections agencies add collections status to my report without contacting me in any fashion. Furthermore, the original collection agency was XXXX XXXX XXXX in XXXX. I disputed this in XXXX with XXXX It was removed. Now, another agency, MRS XXXX, is claiming the same debt ( same amount and same original creditor ) and will not remove the claim. I thought this practice was illegal. I want this to be removed once and for all.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is reporting inaccurate information to all three credit bureaus for XXXX XXXX XXXX. The company is reporting the wrong balance, past due amount, last reported, date of last active, and date of last activity. This is a violation. I have disputed this information several time starting with XX/XX/2021. I have attached my first letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
on XX/XX/2021 and email was received stating my payment will be taken out on XX/XX/2021. However, I had never heard of this company, I tried to contact the company via phone numbers on the website and email and the calls could not go through. I reached out via XXXX and XXXX. As I never heard of this company or applied for a loan through any of the sub-companies they have listed. I have asked for my information to be removed or how to go about it. They will not answer and when they do they do not offer help. I did not give permission to a company i have no clue who they are to offer me loans or to even have my personal information. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: GA

Complaint narrative:
I reached out to my mortgage loan officer who I refinanced my home through about a year ago and I begin to start to process of purchasing a second home. She reviewed my credit with me and I noticed several accounts on there that are not mine. First there is a Bankruptcy on there. I reached out to the Bankruptcy court here in Ga and they was not able to locate a Bankruptcy under my social so that needs to be taken off immediately. There were several other accounts as well XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX US DEP ED. There were also several inquiries that I know nothing about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have reached out and filed a compliant with the FTC and reach out to the police here. I am doing this on my own and need some help with this situation.

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 2021-07-27 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 reached out to my mortgage loan officer who I refinanced my home through about a year ago and I begin to start to process of purchasing a second home. She reviewed my credit with me and I noticed several accounts on there that are not mine. First there is a Bankruptcy on there. I reached out to the Bankruptcy court here in Ga and they was not able to locate a Bankruptcy under my social so that needs to be taken off immediately. There were several other accounts as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEP ED. There were also several inquiries that I know nothing about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out and filed a compliant with the FTC and reach out to the police here. I am doing this on my own and need some help with this situation.

Company response to consumer: Closed with explanation