vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over XXXX and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Synovus Bank
State: GA

Complaint narrative:
Closed account on XX/XX/XXXX and was told to fax a request and the refund of my {$350.00} deposit would be issued in XXXX weeks ; otherwise it would take XXXX weeks. I faxed the request that same night as I closed the account. It has been right at XXXX weeks and no refund. I called today and they told me they see it was closed on XX/XX/XXXX ( and i have a letter from them via usps stating this also ) but he saw no refund had been processed. He was going to speak with his supervisor but " they are all on the phone but I will have one of them call you back ''. It has been XXXX hours and no return call so I am asking for your help in getting my {$350.00} refunded to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN, XXXX and XXXX is continuously reporting inaccurate information to my consumer report, they have taken a vital role in myself and my childrens lives. They are practicing identity theft since I have never given any written authorization to share any of my personal information to any third-party entities which is a VIOLATION OF MY RIGHT TO PRIVACY. WHERE IS YOUR AUTHORTY? These companies have willingly and knowing reported inaccurate information after I have made several attempts to save my family from the malicious intentions we have endured. I have attached a response from a past complaint showing that XXXX did not reinvestigate after I provided information that this account was sold to another lender, how did they not know this information BEFORE ME and play such an important role in my life? XXXX closed my recent dispute without providing a reason. This negligence has prevented me from purchasing a home, made insurance rates more expensive and has caused trouble in my marriage. I expect this false information to be removed from my report IMMEDIATLY this is ABUSE. Who is XXXX XXXX? WHERE IS A CONTRACT BETWEEN MYSELF & XXXXXXXX XXXX I have never heard of this company why are these companies allowing this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH ANOTHER VIOLATION UNDER THE FCRA.

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 2023-03-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative information found on my credit report. I have identified several inaccuracies in the report that I would like to have corrected or removed. 

Firstly, the report includes personal information that is incorrect. My name is not XXXX XXXX and I do not recognize the previous addresses listed. Specifically, the addresses listed as XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX are not accurate and should be removed from my report immediately. 

Additionally, I do not remember authorizing an inquiry by XXXX XXXX XXXX on XX/XX/XXXX, and I believe it may be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Furthermore, I would like to dispute the accuracy of the following accounts listed on my report : XXXX XXXX with account number XXXX, XXXX XXXX XXXX with account numbers XXXX and XXXX, and XXXX XXXX with account number XXXX. I request that you verify the payment status, balance, comments, payment history and account number of each of these accounts and either fix or delete them from my report completely. 

In conclusion, I kindly request that you investigate and correct or remove the inaccurate information from my credit report as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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 2023-03-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative information found on my credit report. I have identified several inaccuracies in the report that I would like to have corrected or removed. 

Firstly, the report includes personal information that is incorrect. My name is not XXXX XXXX and I do not recognize the previous addresses listed. Specifically, the addresses listed as XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX are not accurate and should be removed from my report immediately. 

Additionally, I do not remember authorizing an inquiry by XXXX XXXX XXXX on XX/XX/XXXX, and I believe it may be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Furthermore, I would like to dispute the accuracy of the following accounts listed on my report : XXXX XXXX with account number XXXX, XXXX XXXX XXXX with account numbers XXXX and XXXX, and XXXXXXXX XXXX with account number XXXX. I request that you verify the payment status, balance, comments, payment history and account number of each of these accounts and either fix or delete them from my report completely. 

In conclusion, I kindly request that you investigate and correct or remove the inaccurate information from my credit report as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am currently dealing with a case where one of my checks from TD Bank that I sent in the mail was physically altered and cashed into a different account. The bank has not been responsive to me. 

On XX/XX/2023, the rent check for {$5200.00} that I sent in the mail from my TD Bank account was cashed. 

On XX/XX/2023 I was informed by my landlord that the check had not been received. 

After checking the digital records on my TD Account, I noticed that the check had been altered to have a different recipient, and cashed into a different account. 

I immediately contacted the fraud department at TD Bank and filed the claim. The representative on the phone saw the digital record and agreed that the check had clearly been doctored. However, since I live in XXXX, I am unable to resolve this by going into a branch. 

I was advised to fill out a notarized affidavit in order to get the process started. TD Bank informed me that they would mail me the affidavit to fill out on XX/XX/XXXX. 

By XX/XX/XXXX, the form had not been received, so I called my local branch in Pennsylvania, who was able to email me the form. The mailed copy still has not been received to this day. 

I filled out, signed, and notarized the affidavit that was emailed to me, and sent it to the TD Bank 's GSI department on XX/XX/2023. Since then, despite making numerous calls I have received absolutely no information about the status of my case. The bank is not being responsive to me. 

I've called the fraud department at least five times at this point, most recently on XX/XX/2023 and TD Bank continues to not give me any information on my case or even confirm that the affidavit has been received. 

I am worried for my personal sensitive information that was on the form, and I am worried that I will never be able to recover the money that was stolen from me. The fact that I can not even get a status of my claim, let alone a confirmation that my affidavit has been received is completely unacceptable. 

Thanks in advance for any help you're able to provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
XXXX transferred over my in house card with them to a Commenity Credit Card without my knowledge. Almost 3 years later there was fraud on this card with purchases in XXXX. I contacted Commenity and they assured me they would take care of it. I have had countless calls trying to collect the debt. I have asked them to transfer me to their fraud department and when I get someone they tell me they will put me on hold and then hang up on me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Per case XXXX XXXX XXXX did issue a card, but they issued it to the wrong name. I called in and spoke with XXXX on XX/XX/2023 at XXXX PT ( case id XXXX ) who cancelled and reissued the card to the correct name, we both spelled it out on the phone phonetically. 

Today two new cards arrived, one for my self though a new card was never requested for my self. The second card also again arrived in the wrong name.

The card is still unusable as it has been issued twice in the wrong name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
They charged me {$680.00} for an appraisal ; I asked them not to do this until the loan went close to its conclusion. 
They lie. 
When he couldn't get the loan to go through, he " ghosted '' me. 
He lied about FHA regulations. 
He was generally unethical. 
I hope he did not charge me for the homeowner 's insurance I didn't get on the loan that I didn't get. 
This guy is just plain sleazy and unethical. 
Here is his information : XXXX XXXX Inside Loan Originator XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX crosscountrymortgage.com/XXXX XXXX  XXXX badge XXXX CrossCountry Mortgage, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Personal XXXX Branch XXXX Company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Hello- I have reached out to the credit bureaus, department of education and XX/XX/XXXX. Currently at all 3 credit bureaus it shows that my loan repayment terms are " 4 months '' therefore my debt to income ratio is ridiculously high when applying for credit. XXXX told me that my loan time frame is for 25 years, therefore I want the whole repayment terms length being " 4 months '' fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Hello- I have reached out to the credit bureaus, department of education and XXXX. Currently at all 3 credit bureaus it shows that my loan repayment terms are " 4 months '' therefore my debt to income ratio is ridiculously high when applying for credit. XXXX told me that my loan time frame is for 25 years, therefore I want the whole repayment terms length being " 4 months '' fixed.

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 2023-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
In XXXX of XXXX I began making larger payments on my account. When you make payments in the app, no receipt of the payment is generated. XX/XX/XXXX payment was {$67.00} over, XX/XX/XXXX payment was {$380.00} over, XX/XX/XXXX payment was {$410.00} over, XX/XX/XXXX payment was {$410.00} over - for a net of {$1200.00}. In XXXX I first noticed that my statement balance was not moving down as it should. I called to complain on XX/XX/XXXX, and was told that OMF would adjust the payments for me. I also asked for a receipt for payment. Which I was told I should receive after each payment - ( those receipts only tell the total payment amount, NOT how the payments were applied to your account ). I never received the receipt with the breakout of the payments. 

Again today, I called OMF to ask why the payments have not been adjusted, and I was told that corporate denied the request the week after I called. No one contacted me about it! I asked could I receive a transcript of the conversation with the first agent, and the notes, I was told no. 

My complaint is that OMF is engaging in predatory lending by : 1 ) encouraging use of their application to make payments and then " hiding '' the payment breakouts ( screenshot of the payment screen included ) 2 ) Not providing immediate full accounting of payment related activities by way of an emailed, and/or mailed receipt 3 ) Providing inaccurate information ( agent promised adjustment and corporate denied ), then not following up with the customer by call and email 4 ) refusing to furnish the detail of conversations about customers own account - the agents begin each conversation with the announcement that the call is being recorded. The recording of that call should be for the consumers benefit not just the lenders. 
5 ) Interest is a timed based element of financing, for every month that I made an overpayment, even if not applied to the principal, the interest should decrease based on the early payment of the next months amount due- which didn't happen either. 

The chosen method of accounting for an overpayment is to the advantage of OMF and not the consumer. The consumer should be made aware of what their options are at the time of payment, and/or the over amount should default to decrease the principal balance ( thereby decreasing the overall interest due ). OMF provides services at the very high end of financing rates, greater than 20 % - my own is 24.9 %. I entered into this engagement because I was a business owner struggling through the pandemic and had no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
UnAuthorized Inqueries on my credit report

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 2023-03-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to 18 usc 8, I owe no debt this violation my consumer right to privacy pursuant to15 usc 1681 B 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
This is associated with a payment that was not applied against my loan balance for my auto loan. The loan is held with Truist Financial Corporation of XXXX, XXXX. 

Working through the dealer where the car was purchased, we cancelled the extended warranty that was purchased with the vehicle. On XX/XX/2022 a check for {$1700.00} was provided to Truist by the dealer, XXXX XXXX of XXXX, XXXX. On XX/XX/2022 Truist cashed the check ( we have a copy of the cached check ) but neglected to apply the monies against the loan balance. 

Several calls into Truist were not able to resolve the issue. The issue was escalated multiple times to the Truist back office. No updates or progress despite Truist having the funds for over 3 months. 

We are asking assistance in having Truist apply the monies to the outstanding loan amount and would also like reconciliation regarding the interest paid on this amount for the last 3 months. 

Reference # : XXXX Account Number : XXXX Account Owner : XXXX XXXX

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 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I transferred {$10000.00} into my Coinbase account. I bought crypto currency with it. This was a month ago. My money is stuck in my account with them, I can not move it to another exchange. Their fees are very expensive. Every time I trade crypto i end up paying around {$300.00} in fees/price manipulation. I have lost a lot of money by trading and not trading because of their high fees. If I was able to transfer my money to another exchange I would have been able to make several trades, with a profit of over {$1000.00} and I would only have to pay {$40.00} or {$60.00} for the trade/transaction . It is a no brainer. I already gave them my id and a picture of myself a few days ago and they told me they would get back to me in 45 days. That is way to long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX 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 written instructions.

Company response to consumer: Closed with explanation