vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2022, I received an alert from my credit monitoring services ( XXXX ) advising me that a new inquiry was placed on my credit report. Upon reaching out to them and then reaching out to DISCOVER while in conference call. It was determined a fraudulent credit card application was submitted and approved in my name for the amount of {$6000.00} USD. DISCOVER went ahead and cancelled the account and informed me that the card application came from a offer via mail. They said they were closing the account and the card wouldn't be shipped out since we caught it in time. It's worth mentioning this is the second time a similar incident happens with my identity and the same bank. The first time, a checking account was opened in my name a few years back. 
XXXX Theft case # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: VA

Complaint narrative:
XX/XX/22 at XXXX XXXX EST I received a call from Capio partners for a medical debt of I believe {$200.00}. I informed her once again I am unemployed and is unable to pay or setup a payment arrangement right now. I also shared that I have XXXX children. She proceeded to offer me a lower price but I gave her the same response also including Im not seeking any medical treatment because I cant pay the bill. She then stated Let me pull up your credit report, I see your credit report and we have an account that we could have already sent to them but we didnt as of yet. I interrupted her in shock and stated no maam I do not give you nor the original debtor permission to release any of my health information, it violates my HIPAA rights. She stated that she will follow with me in a month or a few weeks. I reviewed my XXXX account and noticed that Capio reported it to the Credit Bureau on XX/XX/22, 3 days after the threat.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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.

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 2022-04-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 XXXX  XX/XX/2022 -XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 2022-04-22 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:
My mortgage was in forbearance since around XX/XX/XXXX through XX/XX/XXXX. During this time, XXXX XXXX XXXX ( XXXX ) reported my loan delinquent twice. I applied for credit in XX/XX/XXXX and was advised of the delinquencies were reported between XXXX and XX/XX/XXXX. I contacted XXXX over the phone and through their customer web portal to request the removal of the derogatory items. I was advised both times that they would look into the matter and resolve. Over the past month, there has been no further correspondence nor any updates to my credit report. I advised that under the CARES Act, they were not supposed to report my loan late, just in forbearance status.

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
On XX/XX/22 i was applying for a mortgage- since I had to unlock all three credit bureaus for this mortgage application, I decided to submit an application to Comenity bank at the same time. 

I received a letter a few weeks later indicating it was written on XX/XX/22 that Comenity Bank did NOT approve my credit application at this time because they were advised by " the credit reporting agency '' ( non specific ) that a security / credit freeze was placed on my report. That " unfortunately, due to the freeze on your credit bureau report we were unable to verify your credit history with other credit grantors '' A few weeks later as I was closing on my loan my bank enquired about a HARD ENQUIRY on my XXXX credit file from Comenity Bank. It is my understanding under FCRA that a locked credit file would not be capable of having a hard enquiry against it unless it were unlocked.

I have a denial letter from Comenity bank telling me they denied me credit because of a locked credit file, but I also have a hard enquiry from Comenity Bank showing that they acceessed my credit- IT CAN NOT BE BOTH WAYS. 

The hard enquiry should be rescinded and removed from my credit file since Comenity says they could not access it - OR - the credit card should have been issued - OR denied for a legitimate reason besides credit lock if they were able to access my XXXX Credit Report as XXXX currently indicates. 

Comentiy cites XXXX / XXXX Risk Solutions Consumer Center as the agency that provided this report - This complaint would be inclusive of the credit reporting agency that Comentiy Bank Uses and cites in their letter whom I have never heard of. XXXX XXXX indicated at the time I had no credit lock on file with them, Comenity indicates they pulled my credit on XXXX at the time of application ( in which all three known bureaus were unlocked and XXXX / XXXX had no security freeze on file ). 

These bureaus are engaging in reporting false information, possibly due to some time lag in how they actually pull credit and report it which they are unaware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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: Xtreme Products LLC
State: CA

Complaint narrative:
XX/XX/2018 for {$820.00} I have requested that this account be investigated multiple times. For the last 3 years I have sent multiple disputes and request for the validation of this account. I have never have received investigation response for neither of the 3 major credit bureaus. I have sent in multiple request trough certified letters and I have yet to receive anything back from this creditor.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-22 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: NJ

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$500.00} Balance updated XX/XX/2022 Account number : XXXX In accordance with The Fair Credit Reporting act XXXX Account number # 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.

I demand this be taken off my report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I have submitted complaints on the XXXX  website and they close my cases, but do not resolve. I have requested Fedloan payment history from the. new loan servicer XXXX but they replied that Fedloan did not transfer that over. The Fedloan payment history disappeared. I am a victim of Fedloan and XXXX XXXX adding on capitalized interest amounts to my principal loan balance to prevent the loan balances from ever going down. I borrowed {$63000.00} in XXXX XXXX loans for my daughter, XXXX XXXX. I have paid {$56000.00} ( could be higher ). The unpaid balance is {$48000.00}! This is due to both XXXX XXXX and Fedloan adding on huge amounts of capitalized interest at repayment, during forbearances, and after I paid ahead {$25000.00} and was told by Fedloan that no payments are due until XX/XX/XXXX. Then in XX/XX/XXXX, Fedloan added on {$5000.00} of Capitalized interest. I have a letter from Fedloan dated XX/XX/XXXX disclosing loan repayment terms. On page 2, under Anticipated Interest to be Capitalized : it states " Not Applicable ''. However, Fedloan added on Capitalized interest after this date, and before this date. I am XXXX years old, and retired from XXXX XXXXXXXX XXXX I worked XXXX  years for the XXXX XXXX That should qualify for public service forgiveness in itself.

Sadly, the Administration and Dept of Education has overlooked retired XXXX XXXX  who gave a lot more than XXXX  years of working for the XXXX XXXX 
There is no record keeping available for payment history. All the payment history has disappeared online. The Dept of Education has been looking at eliminating interest capitalization on federal student loans. I am aware of issue paper # 3 Interest Capitalization XX/XX/XXXX I am a victim of this interest capitalization. XXXX XXXX added on {$14000.00} of capitalized interest to my principal balance when these loans initially entered repayment! Fedloan added on capitalized interest multiple times : {$1400.00} on XX/XX/XXXX during a forbearance. They added on {$5000.00} in XX/XX/XXXX after telling me month after month that NO PAYMENTS are due since I paid in excess. My loans need to be cancelled. I want my complaint sent directly to XXXX XXXX. I am a good example of a retired XXXX XXXX  drowning in XXXX XXXX loans because the loan servicing providers were abusing capitalized interest. My XXXX XXXX  pension is 50 % of what my salary was. The answer is not applying for an XXXX loan. I can not be paying these loans back another XXXX  years when I am XXXX years old. I have already paid back over {$56000.00} for just XXXX XXXX, and only borrowed {$63000.00}. My loan balance can not still be {$48000.00}. I have submitted cases on XXXX XXXX. I have requested payment history from Fedloan and XXXX. I have received nothing. I want the XXXX to see this complaint, and the Department of Education. Also, President Biden should see my complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TX

Complaint narrative:
I have sent numerous letters to Equifax, XXXX and XXXX with no response about removing old addresses that do not belong to me : XXXX is reporting inaccurately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, AR XXXX XXXX is reporting inaccurately : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax is reporting inaccurately XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: MO

Complaint narrative:
I took out a loan in XXXX of 2021. I made my payments on time every month. There is a 14 grace period. My loan payment was always made within this grace period. The payment is due on the XXXX and they start calling on the XXXX. Even though the grace period is 2 weeks out. I have always answered and told them when I would make the payment. In XXXX I had some car issues and Since then I have had to make the payment towards the end of the grace period. I explained this last month. I scheduled a payment through the office. The next day they called again because they forgot or did not note the account. I asked if it would be possible to move my due date and he said it would not be a problem. He would checked it. He stated he could change it and said he would mail me a confirmation. Never received the confirmation. My mail has been messed up for months so I just assumed I didnt get it. Here comes the XXXX of XXXX and I have received 25 calls. I didnt answer because again this is a failure on the part of the business. I am not sure if they just lie, and say whatever? If they just dont do the job, or what the issue is. Today at work I received a threating message about sending me to court. Mind you I am not even 30 days late. I took a second job and awaiting my pay to make the payment on Monday. I called back and as always it went to voicemail. I left a message stating I would make the payment on Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have a medical debt for {$1000.00} thats involved for last 6 and half years in subrogation and litigation with hospital and my lawyers, this bill is involved in litigation still and a collection agency shouldnt be able to give me bad credit reporting when my lawyers are involved in trying to settle this account .. the bad reporting should be removed immediately. The debt collector common wealth financial needs to contact my attorney XXXX, XXXX XXXX XXXX XXXX XXXX regarding this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2021 {$240.00} was paid out of my savings account at Capital One to XXXX XXXX. This was not an authorized payment and I have no relationship with XXXX XXXX. I have no idea of why this transfer was made. 

I have spent many hours speaking with multiple agents at Capital One regarding this matter. I have also requested the alleged proof that I requested this transfer and they promise to mail me the proof and fail to follow up. 

I am extremely frustrated by this process and I am very concerned that another financial institution can so easily withdraw money from my savings account without my knowledge or consent. 

I have requested to escalate this matter and have requested a call from a supervisor but I only get connected to random representatives sitting in XXXX XXXX. 

This is not acceptable and should not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: RI

Complaint narrative:
XX/XX/2022, a challenge letter was mailed to TransUnion via certified mail # l : XXXX XXXX XXXX XXXX XXXX. After waiting 30+ days a non-response letter was mailed XXXX, XXXX. To date, I've yet to hear from TransUnion regarding the request to verify the accuracy of the information they report. According to law, they are to remove all disputed information if they do not reply within a reasonable fashion.

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 2022-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
WE TOTALY AGREE AND WE ENTIRELY IDENTIFY OURSELF WITH THE Prepared Remarks of CFPB Director XXXX XXXX on the XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX BECAUSE THATS EXACTLY WHAT HAPPENED TO THIS LOAN MODIFICATION. 
IT WAS STUCK IN THE FINANCIAL CAOS OF XXXX. 
SEE ATTACHED Document. 


OUR ACCOUNT OF EVENTS : WE PURCHASED THIS PROPERTY IN XXXX FOR {$420000.00} WITH A LOAN FROM XXXX, THE BIGGEST LENDER IN THE COUNTRY AT THE TIME. 
IN XXXX XXXX COLLAPSED AND XXXX  XXXX XXXX INHERITED MILLIONS OF XXXX LOANS. 
IN XXXX WE LOST OUR EMPLOYMENT AND WE DEFAULTED ON OUR OBLIGATIONS. 
WE HIRED THE " LEGAL HELP GROUP '' WHO PROMISSED TO SAVE OUR HOME AND DELIVER A LOAN MODIFICATION. 
WE SPENT 2 YEARS FAXING UPDATED FINANCIAL INFORMATION BUT NOTHING WAS DONE BY THE LEGAL HELP GROUP. 
WE THEN APPLIED DIRECTLY TO XXXX  XXXX XXXX. 
TWO YEARS PASSED XXXX  XXXX XXXX FAILED TO DELIVER. 
THE LOAN WAS TRANSFERRED TO SHELLPOINT MTG. 
SHELLPOINT MODIFIED THE LOAN SIX MONTH LATER, WHICH WE ACCEPTED IN PRINCIPLE BUT WE NEVER RECEIVED THE TERMS OF THE LOAN FOR OUR REVIEW.

THIS IS WHY WE HAVE REQUESTED A VALIDATION AND VERIFICATION OF THE ENTIRE HISTORY OF THIS LOAN WHICH WAS DISTORTED DURING THE FINANCIAL CRYSIS OF XXXX. 
THIS HOME WAS MEANT TO CARRY US THRU THE RETIREMENT YEARS INSTEAD THE TOTAL AMOUNT DUE IS NOW AT A WOPPING {$800000.00} WE NEED ALL THE HELP WE CAN GET FROM CFPB, SHELLPOINT AND XXXX  XXXX XXXX TO GENERATE A LOAN MODIFICATION THAT CAN TAKE INTO ACCOUNT THE UNFORTUNATE EVENYS OF XXXX AND XXXX AND DELIVER A MODIFIED LOAN WITH A TOTAL AMOUNT DUE NOT GREATER THEN {$150.00}, CALCULATED BY XXXX. ( SEE XXXX ESTIMATE ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have just recently started using the app Experian and I filed a report when I noticed that a credit card had been opened under my name at a retail store which was not done by me. I started a dispute but it did nothing nor did it explain anything. Now I have all of these charges on my credit report that dont belong to me and are affecting my credit score, etc. I found out that my grandmother attached me to her account to get more credit available for the card which I did not approve of and would like for it to all go onto hers and not mine.

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