vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 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: NE

Complaint narrative:
I have sent letters, called, disputed and they still are reporting unauthorized charges for 4 years as a charge off every single month on my credit report and making my credit score suffer for something they wont even verify and keep reporting stating their information is accurate ... its not, the charges that brought this account to the point of past due Ive told them this was fraudulent and the card was stolen. Ive even paid the balance without interest just to make it go away with them and they still insist on interest and will not even listen that this was Identity Theft! And to this day are collecting on this, refuse to verify and provide verification that the charges were in fact made by me but they were not and instead Im paying the price getting denied loans because of this one card that I didnt authorize the purchases on and have been fighting with them ever since. The balance reported at XXXX charged off. The balance is now XXXX. Totaling XXXX which is the card max. I paid XXXX of charges that I didnt make and they still want to be the only blemish on my credit report over {$300.00} and being too lazy or stubborn because they just want money even if that person didnt do it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: NE

Complaint narrative:
I have sent letters, called, disputed and they still are reporting unauthorized charges for 4 years as a charge off every single month on my credit report and making my credit score suffer for something they wont even verify and keep reporting stating their information is accurate ... its not, the charges that brought this account to the point of past due Ive told them this was fraudulent and the card was stolen. Ive even paid the balance without interest just to make it go away with them and they still insist on interest and will not even listen that this was Identity Theft! And to this day are collecting on this, refuse to verify and provide verification that the charges were in fact made by me but they were not and instead Im paying the price getting denied loans because of this one card that I didnt authorize the purchases on and have been fighting with them ever since. The balance reported at XXXX charged off. The balance is now XXXX. Totaling XXXX which is the card max. I paid XXXX of charges that I didnt make and they still want to be the only blemish on my credit report over {$300.00} and being too lazy or stubborn because they just want money even if that person didnt do it!

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 2020-08-19 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. 

This repossession is inaccurate because XXXX is reporting that my highest balance XXXX $ and XXXX  is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have an Experian account to check my credit score, as I am hoping to buy a house soon. My account has not worked since XXXX of last year when I had my name changed. I have sensitive information on the account. Experians FAQ states to call their customer service number to have information updated. I have called for over an hour, and I can not talk to a real person. Ive tried FOUR different numbers. At this point, I just want my account deleted, but unfortunately I cant even do that. You have to call to have your account deleted, and theres nobody to talk to. You get hung up on. I did some research, and Ive seen hundreds of people online complaining about the same thing : no person on phone number, no way to email, no way to chat. They are even stealing money from people, and refusing to answer the phone. Everyone who DOES talk to someone says that they are very unproffessional, rude, and frankly sketchy. This business is not that at all. They should be accountable for their actions. I would do whatever it takes to see this company hurt.

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 2020-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XX/XX/XXXX, I purchased an electric scooter from a XXXX XXXXbased company called XXXX XXXX XXXX  XXXX. The company advertised an electric scooter for {$89.00} and I paid for the item via my Paypal credit account. I received a confirmation of payment email on XX/XX/XXXX, on XX/XX/XXXX I received a confirmation of shipping email from the company. Sometime around the last week of XXXX, I attempted to email the company about the status of my item, but the contact information the company provided no longer worked and the website had been taken down. I then went to XXXX, which is where I originally found the advertisement for the scooter and found the XXXX XXXX XXXX page. The XXXX page was littered with complaints about people either not receiving the scooter, the company not responding or the company sending customers a women 's hair tie which they paid {$89.00} for instead of a scooter. I filed a dispute with Paypal after seeing this information on around XX/XX/XXXX, and on XX/XX/XXXX I got an email from the company saying my order was canceled. During the dispute process, the company sent Paypal a tracking number for my item XXXX XXXX XXXX XXXX XXXX XXXX and when it arrived at my home it was a women 's hair tie. I immediately let Paypal know this was the item I received and reported all of the fraudulent activity this company that I had seen on XXXX. I also sent Paypal a picture of the tracking number on the envelope and the picture of the women 's hair tie. Paypal is still not trying to resolve this issue and give me a full refund of my money. I am very disappointed because Paypal is advertised as a safe place to use when making online purchases. I have done everything in my power to show them they have a fraud/scam using their payment system and duping their customers, yet I still have to fight to get my money back and they keep giving this company the benefit of the doubt. My Paypal dispute number is XXXX, and the expected resolution date of my issue is XX/XX/XXXX, which is almost 2 months after I reported the fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I had previously asked Navient to close my account due to Identity Theft. They never responded. This is not a duplicate complaint. I have filed for Identity Theft protection with the FTC. I am sending Navient my Affidavit from the Federal Government. FTC told me to have all my fraudulent accounts closed. Navient is a fraudulent account. The Department of Education have already started a investigation. Including a police report and other enforcement agencies. 
This Affidavit Identity Theft from the Federal Trade Commission gives me Rights to have this fraudulent account of Navient closed and removed from my credit report. 
Navient if you do not accept this FTC Affidavit of Identity Theft and have any other form to state Identity Theft with Government approval to remove from my credit report download the form to this CFPB website and I will have an Government official to sign it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. 

This repossession is inaccurate because XXXX  is reporting that my highest balance XXXX $ and TransUnion is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed Immediately

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 2020-08-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. 

This repossession is inaccurate because Equifax is reporting that my highest balance XXXX $ and XXXX  is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, original lender - CMRE Finanacial Services, Bureau Name - XX/XX/2020 date reported - payment status, collection/chargeoff - total amount {$680.00} This was not notified and company did not reach out to me. According to my records I did not visit XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I applied for a no cash out refinance of my mortgage back in XXXX with TD bank. The loan was approved. There were a few understandable delays getting a XXXX and so on. Closing was set for XXXX, then XXXX, then nothing. Rate lock and commitment were extended a week at a time and each week the bank raised the fees to close by {$300.00} even though rates are stable or falling. No communication from the bank just weekly e-mails to sign a new commitment with more fees. 
TD cost me XXXX  in upfront costs and delays and now wants to squeeze another XXXX dollars into their fees. 

While I was busy taking care of patients during COVID. TD made excuse after excuse and now wants more money to close. 

I'd be fine with the delay if they kept to their promise but adding insult to injury by trying to squeeze more fees in hoping I won't notice is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have had an auto loan with SunTrust Bank since XX/XX/2020 where I have not missed a single payment ( yet ). I just called SunTrust Bank and inquired about a loan modification in which there are options, but Suntrust refused to modify and stated that I would have to do a refinance with them even though I am already a good-paying customer for almost a year. During this Covid-19 environment I would think that banks are encouraged to work with the citizens due to rampant layoffs, terminations, evictions, etc.

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 2020-08-19 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: FL

Complaint narrative:
THIS ACCOUNT ISN'T 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
Consumer complaint received 2020-08-19 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: IL

Complaint narrative:
THIS IS NOT A DUPLICATE TransUnion responded improperly to my claim, submitted on XX/XX/2020. TransUnion only sent an acknowledgement and not a response which is unacceptable. My dispute was also completed/closed without providing me with any status/information ( deletion of unauthorized inquires & XXXX XXXX XXXX, which has been settled ). 

I am having problems with TransUnion on my existing claim and not providing me with their resolution or status. My credit report was not fixed and I need TransUnion to respond and not acknowledge my dispute and fix my credit report immediately. Theses inaccuracies are hurting my ability to obtain credit. I should not have to resubmit a claim when all TransUnion had to do was respond to the one submitted on XX/XX/2020 and not close it without providing me with any 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 2020-08-19 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: FL

Complaint narrative:
MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS THE ACCOUNTS LISTED DO NOT BELONG TO ME MY INFORMATION WAS STOLEN I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-19 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 have sent several letters to XXXX Equifax and XXXX  inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 have sent several letters to XXXX/ XXXX  and Experian inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.

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 2020-08-19 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity Capital/BJsWholesale pulled my XXXX  credit report, which I absolutely DID NOT authorize them to do so. I've written to them and called them, but to no avail. Also, XXXX  has refused to do a legitimate investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I had a balance of {$240.00} dollars on XX/XX/XXXX with a promotional deal that ended that same day. The promotional deal was to pay no interest on purchases over {$3000.00} ( mine was over {$4000.00} ) for 18 months. I was lead to believe that, since I made my purchase with the Zales credit card, that the interest deal worked like a credit card ( meaning a balance of {$240.00} would create a very manageable interest amount added to the bill ). This was not the case. Conveniently, the reminder on the bill was hidden in the middle of the bill, and I was not notified via text or email about the due date ( they have both communication means on file, as they have contacted me on both about separate issues ). I've always paid my bill online, and I signed up for their online bill service, but apparently that wasn't enough for them to email me about the due date. Nonetheless, I paid the bill on XX/XX/XXXX, and, mysteriously, the payment didn't process until four days later, so the interest of the entire purchase was charged to my account. My bill has jumped up to around {$1200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Date reported - XX/XX/2017 - amount {$0.00} - account status, PAID - payment status, collection/chargeoff. Credit Card went over limit and was paid off and account was closed.

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$8000.00} Date OpenedXX/XX/XXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance reporting wrong address and accounts

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