vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened up a dispute with the issuing bank of this credit card, which is TD Bank over the phone almost two months ago now. Their rep was clearly incompetent and did not submit it correctly or the bank chose to ignore my issue. I sincerely hope it was not the later because the response I received in regard to the dispute which was closed, not in my favor did not make sense, at all. It was all wrong. I am not even sure where they got the info from. They actually stated things that I did not claim. 
I called and was told that if I wanted to open the dispute, this time it had to be in writing, by mail. They made me print out the form, fill it out or attach a letter and send it in by mail. Why I am not sure. To make my life difficult? However, I complied. No response at all to date. Nothing is happening. Its about two weeks already since it was mailed and my account shows nothing. It does not show it is under any type of review or dispute, it shows I am responsible for the min payment which I should not be if under a dispute. I have no idea what this bank is doing. Consequently, I have also been disputing this with the vendor directly. I am not sitting idle while waiting for a dispute. I have reported them to the XXXX  and to the Attorney General as I am waiting for this bank 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
I initiated PSLF forgiveness with XXXX in XXXX of XXXX. All appropriate documentation was submitted with employment verification of 10 years and more than XXXX payments. XXXX made a clerical error in copying the beginning date of employment to their system thus making it appear that I only had XXXX payments qualifying. I reached out and spoke with a representative who agreed that a clerical error had been made and she requested a review and assured me this would be fixed within XXXX business days. This did not happen and then my loans were transferred to Mohela. I attempted to contact Mohela first on XX/XX/XXXX with no response. A second inquiry was made on XX/XX/XXXX with no response. I have attempted to call on multiple occasions but sit on hold for hours without being able to reach a person. I decided to reach back out to XXXX and spoke with employee XXXX # XXXX. She informed me that my loans indeed had been transferred and that a review would take place by Mohela but could not give me a contact at the company or any way of pursuing further communication. I have had no communication from Mohela and the PSLF certification process is now entering it's XXXX month!!! This level of customer service would be abysmal for something very minor, but we are talking about thousands of dollars in this case. I am beyond frustrated at this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX credit card 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bank 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
Consumer complaint received 2022-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}

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 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Contacted a company called XXXX XXXX services on XXXX XXXX after Ive gotten multiple emails stating that I owed a debt into which I stated id pay until I throughly looked at the debt and notice its over 7 years old ..I asked company for original creditor information which was met with silence.They then stated the account wasnt with them and i need to call LVNV funding I called and asked if they could send information in which they said yes but Ive NEVER received anything from them before I asked the company for the said information.The caller also named a debt I know for a fact isnt mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: FL

Complaint narrative:
I have disputed this inaccurate information with Equifax several times. They are not investigating these as required by law nor are they even putting them in dispute. i have received nothing from them proving anything. I am requesting your help to get these errors removed from my consumer report. This is a violation of my FCRA rights and privacy. Thank you for your assistance and dedication in helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: Self Financial Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 
Opened : XX/XX/2020 Amount : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a bankruptcy showing up on my credit report that is not mine. Equifax continues to say they have verified this information with XXXX but XXXX has already removed this bankruptcy from my file yet Equifax keeps saying they've confirmed it with XXXX. I've included the Letter showing XXXX has already removed it and this shows Equifax is not checking or doing their job to verify this. This Bankruptcy needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I would like accounts and removed and updated report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX : {$4100.00} XXXX XXXX : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
This account was a fraudulent account on my credit it was not a authorized purchase my identity was stolen and use to purchase this is reporting improperly on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: Credit Karma, LLC
State: FL

Complaint narrative:
I checked my credit karma and it claimed my credit score went down XXXX points when I dont have any debt or any credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
I got an auto loan through Flagstar Bank in Michigan. The vehicle was automatically registered in Michigan after I bought the car in Wisconsin, and it has a Michigan license plate. 

I have since moved to XXXX, and Flagstar Bank is preventing me from registering my vehicle. They lost the title to the vehicle, and when I contacted them they said that I was supposed to have it, and that there was nothing they could do for me. Effectively they told me I would not be able to register the car, since they are supposed to keep the title but refused to take responsibility of having the title. 

I contacted the XXXX XXXX  and they informed that indeed the lender, Flagstar Bank, is supposed to keep the title, and I will not be able to get XXXX myself. I had the XXXX  XXXX send Flagstar Bank a newly issued title and paid the fee for that. The XXXX XXXX says they sent the title to Flagstar Bank on XX/XX/XXXX. It is now XX/XX/XXXX, and I called XXXX to ask them to fax the title to the XXXX  XXXX ask I could register the car. XXXX says they dont have the title, even though the XXXX confirmed it was sent to them a month ago. They refuse to take any responsibility in the matter, they keep saying Im supposed to have the title even though that is legally impossible.

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 2022-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}

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 2022-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I entered into an agreement via XXXX XXXX through TD Bank N.A in the amount of {$1800.00} for a new washer and dryer. 

The washer and dryer was delivered XX/XX/12. The dryer was determined to be defective approximately XXXX hour after delivery and installation upon first use. 

I immediately contacted XXXX for a replacement. XXXX will not provide documented confirmation that a replacement is processing and they are unable to provide a date that a replacement will be delivered. 

When I inquired about returning both items and canceling my financing I was hung up on, twice. I also inquired about this via chat and was my inquiry was disregarded. 

XXXX has delivered a non functioning device and is charging full price with no documented intentions on replacement. 

In-between the time my replacement was requested and today XXXX updated their website to advise replacements are no longer being processed. Items will have to be returned, refunded and a new item ordered. Which would result in new pricing/financing offers. That was not the deal. That actively changed as my replacement was processing. Are their customer service reps to scared to tell me? It's hard to tell. 

Whats not hard to tell is that XXXX is clearly taking advantage of their customers financially by offering great financing rates but not delivering functioning products. Per reviews and complaints on XXXX I can NOT the only one. TD Bank has a lot to gain here if this is the way XXXX is going to operate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal has sent collection of {$92.00} to a partner debt collector who sent me a letter saying I owed this amount to PayPal. I dont use PayPal XXXX ever. I tried calling them and they do have an account attached to my name/phone number. Attempts to try to get an agent on the phone I was told my account is flagged and that I need to speak directly to their partner debt collector ( XXXX XXXX XXXX, and was automatically routed to that company. I hung up believing this is some kind of scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
This WAKEFIELD & ASSOCIATES account number XXXX that has a balance of {$160.00}, opened on XXXX XXXX is not belong to me. I don't have an idea why I got this collection. This is FRAUD someone used my identity for their own benefits. I'm done filing an FTC affidavit. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have spoken to multiple people at different times regarding my credit reporting during my mortgage modification with US Bank. I was told this would not effect my credit negatively and I have been reported as 30 days and 60 days past due. When I attempted to fix the situation, I was told there was nothing they could do about it now as it was already done. During the process, I was told at least 3 times it would be removed if it effected my credit or there would be no effect at all. I could lose my job because of the negative impact this is having as I work for a financial institution. Their calls are recorded and I would like someone to fix this as soon as possible as this is just wrong. I was lied to and told this would be okay when it is far from okay. Please help.

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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a bankruptcy showing up on my credit report that is not mine. XXXX continues to say they have verified this information with XXXX but XXXX has already removed this bankruptcy from my file yet XXXX keeps saying they've confirmed it with XXXX. I've included the Letter showing XXXX has already removed it and this shows XXXX is not checking or doing their job to verify this. This Bankruptcy needs to be removed ASAP.

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 2022-10-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX  XXXX Balance : {$3900.00} XXXX FCU XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX : {$26000.00} XXXX  XXXX XXXX : {$3600.00} XXXX XXXX : {$0.00}

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 2022-10-20 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
Community Loan Servicing formerly Bayview, will not answer any of my phone calls or emails to resolve an ongoing issue with my mortgage they once serviced. Now that they have sold the mortgage, they refuse to communicate with me at all. The company has stated that I missed one payment that put my loan on a rolling 30 day delinquency. They then reported XXXX late payments to the credit bureaus and are ruining my credit. I have contacted the company, provided the cancelled check theyre stating they never received as well as provided proof of insurance they stated I did not have. The company erroneously added hazard insurance to my mortgage when my agent had faxed them my policy on numerous occasions. I have attached the cancelled check, proof of insurance and a screenshot of my credit report. I would appreciate any and all help available as this company will NEVER respond to their clients or fix their mistakes!!!

Company response to consumer: Closed with explanation