vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX 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 explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I have already submitted a complaint on this issue ( XXXX ) which was closed without resolution. After the Creditor responded to the complaint, they AGAIN intentionally updated my credit file with incorrect information reporting a paid account as " Charge off '' in the status line as of today XX/XX/22. This caused my credit score to drop XXXX  points! 

As my original complaint clearly stated, I believe they are doing this on purpose or out of incompetence, but its highly irregular that a company like Lincoln financial would bother to continue to update account information on a dept paid many years ago. 

I filed a complaint asking the account be deleted from my credit files because THEY ( Lincoln ) keeps updating the credit file damaging my credit over and over. I just submitted a reply to their statement/response in my first complaint, and the next day it happened again???? Really?? This is blatant abuse. 

Reference first complaint XXXX Again, I request this power to harm my credit be stripped away from Lincoln Financial by Deleting this credit account from my file so it can no longer be used to impact my file when Lincoln Motor credit has NOTHING to gain by maintaining the record, nor updating any details when their settlement has been satisfied many years ago. 

I respectfully request this abuse be investigated and action taken rather then NOTED. Noting the action is not a remedy when I continue to suffer do this abuse. I will not go away, I want the financial piece of mind I am entitled under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: TX

Complaint narrative:
Calls every day twice a day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I went to a TD Bank branch in XXXX NH on XX/XX/2022 and deposited {$600.00} in cash into the ATM. The ATM gave me an error and only gave me credit for {$.00}, saying it was a forced deposit. It printed out a slip and told me to call a toll free number for assistance. I called the number and spoke with two people. The first person said I had to go to the branch ( which was closed ), and her supervisor refused to help me at all and hung up on me. I am now out {$590.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29 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: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX 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 2022-12-29 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: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have a XXXX charge card through Capital One or did have as I have now closed the accounts and all my accounts with Capital One. I had bought 2 large ticket purchases that are interest free for 12 months! Capital One has now on 2 or more times during the promotional period they have made it necessary for me to waste my time to call them to correct the problem. 

They can not get it straight that 12 months interest free means 12 months intrest free! 

I have reached out to XXXX about the issues and also told XXXX that I will no longer do business with XXXX. 

Capital One needs for the government to look into all of Capital One now! But I am sure they will not!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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:
This is my third time reaching out to Equifax. Once again I have no know knowledge of XXXX. Im going to continuously fight this until it is completely removed from you bureau. Ive also reached out to to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file an identity theft report with the FTC. How many times do I have to keep letting you guys know that XXXX is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. 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 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 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. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR XXXX XXXX THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: VA

Complaint narrative:
I have contacted TransUnion several times in regards to the inaccurate information that they are reporting in my public records pertaining to a XXXX bankruptcy that was dismissed and closed in XXXX and company called LCI CONSUMER CENTER is in fact reporting this inaccurate information I have talked with the supervisor @ TransUnion and she made me aware on XX/XX/XXXX she was able to send the documents that this bankruptcy was in fact dismissed and closed she file another dispute in regards to the inaccurate information and TransUnion sends verification again that this was verified. I will be attaching information from the XXXX XXXX XXXX, XXXX XXXX AND THE COURT AND THE COURT CERTIFIED TRANSCRIPT OF THE ACCURATE INFORMATION. THIS SAME INFORMATION WAS SENT TO LCI XXXX XXXX AND TRANSUNION. TRANSUNION WAS TOLD BY XXXX XXXX TO REMOVE THIS INACCURATE INFORMATION AND TRANSUNION HAS REFUSED.

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 2022-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am reaching out because I am currently in the process for being approved for a mortgage. Unfortunately, XXXX feels since my job is 90 miles ( 1hr 40min drive ) from the home I am trying to purchase they've sent me an email indicating I find a job closer to purchasing home and send them a job offer whenever I do obtain a new job. After speaking to my supervisor it was agreed I would be able to work my position remote. My direct supervisor went ahead and submitted the necessary documents and now I am being told that since my XXXX initially stated I was not working remote and now my direct supervisor is stating I can there is conflicting information. I'm not sure if it is because I am a minority that I am getting the run around however I have spoken to many lenders/ realtors and I am told this is out of the ordinary.

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 2022-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: FL

Complaint narrative:
Back in XXXX of XXXX, I applied for the Florida state Homeowner Assistsnce Fund ( HAF ) to help me be able to make my mortgage payments. I called my mortgage lender in XX/XX/2022 to request a Covid forebearance and they applied the forebearance to my account. HAF approved to pay my mortgage for the next 18 months starting in XX/XX/2022. HAF has sent checks directly to the morgage lender American Financial Network and their subsidiary XXXX. Checks were mailed to the address on my mortgage statement which is the one I make payments to usually. American Financial Network or AFN and XXXX have not been able to locate or apply thise checks to my account. They accept HAF payments but are not taking the necessary urgent steps to ensure that my checks are located and posted. Since XX/XX/2022 until now I have made so many phone calls and spent at least 20 hours on the phone and I got absolutely no resolution. I was told every excuse as to why the checks have not been posted. Things such as that they are backed up, or that I havent sent the document to the right email even though I sent to all the emails that they told me to send to. They tried to blame me and say that I did not send the email showing the letter from HAF when I have proof I have been sending the same letter since XXXX and they finally acknowledged and posted the letter in late XXXX. There is no sense of urgency and I dont know what else to do anymore. I called yesterday and was told that HAF needs to contact them directly. I called HAF multiple times and they told me over and over that there is never a need for them to contact the lender because all necessary documentation have been provided to me and I uploaded thise documents to XXXX  or AFN. HAF told me they have never experienced such issues with any other mortgage lender and they can not understand why AFN or XXXX are refusing to post and locate those checks. I looked ar XXXX  consumer reviews and they were frightening. I read a lot of the same issues and complaints that I am dealing with. That is why I am reaching out to you to please help ensure that they do what is right. It is beyond frustrating knowing that my approved funds have been sitting there untouched when they should be applied to my account. This is my life and home in the balance and they told me this was not an urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I was transferred from XXXX and everything seemed ok, but then I needed my employment certified. I have been trying to get it certified since XXXX maybe XXXX at this point. I have emailed and called numerous times. I have spent over 10 hours on hold or talking with customer service all have assured me it will be taken care of. XXXX I'm on the phone now waiting to talk to a supervisor, I'm sure it won't happen. If I turn in the next six months of certified employment they will cancel the request and say this is a duplication form. I also initially had the wrong payment plan set up which I repeatedly asked about and was told it was fine.. it wasn't and would have made me ineligible for the PSLF. I am starting to believe that MOHELA feels this is a game make us wait it out and see how long until we give up. I have worked for the feds for 15 years and it's my right to have PLSF. I'm not sure why they are doing this to good people, I have had four different loan providers over the year and this is by far the absolute worse service I have ever had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have repeatedly to to get a statement of l of my activity from Pay Pal. 
Synchrony Bank is now the new XXXX party financial institution that handles the old Pay Pal Credit account. 

I need detailed clarity on payments made to my Pay Pal Credit account ( Synchrony XXXX of all of my activity for XXXX. I need this 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 explanation
Consumer complaint received 2022-12-29 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have a medical condition that causes extreme hair lost. I contacted XXXX at XXXX hair Enchancements on XXXXshe promised to make a custom hair system for me. I paid her {$1500.00}. The hair system was tacky and did not fit. XXXX did not want to refund me the money. I also paid her deposit on XXXX and XXXX for another custum system that i have not received nor do i want her to make it for me. I open a dispute with Discover on XXXX. They returned the XXXX back to her because the said even though i am not happy with the system and service she did produce me the the hair system. DIscover and Fairwinds are still investigating my dispute of the deposit i made for the 2nd hair system. This women scamed me and distroyed XXXX on my own personal wigs i paid {$500.00} for each one. I have contacted XXXX and dept of business and professional regulation. This women gave me a business card under XXXX XXXX and her website. PREMIERHAIR.NET her name is XXXX XXXX. Neither name appear under XXXXXXXX XXXX or XXXX. The only person who has a license at XXXX XXXX per these organization is XXXX XXXX XXXX. XXXX refuses to refund me any of my money and Discover will not credit my account. I am not a scammer i have XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: UT

Complaint narrative:
I currently am a co-signer with two loans from Sallie Mae, i do not believe that the interest and fees is calculating correctly considering the fact that these have been paid on time for the last four years with little movement among the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX Acct # : XXXX... 
Balance is incorrect - Shold be XXXX Dates are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX XXXX XXXX Acct # : XXXX... 
Balance is incorrect - Shold be XXXX Dates are incorrect

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 2022-12-29 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: TX

Complaint narrative:
So XXXX who is Now operating As XXXX, Has Been Updating my account Fraudently on a loan they no longer service. My loan has been brought out of default status. They can not reflect on my account negatively after default loan rehabilitation. Also They have all incorrect contact information on my credit report you are unable to contact this servicer. This Is Misleading. They don't have any valid contact information. I want to know who is updating my accounts negatively. XXXX point drop from their reporting. This account needs to be removed. 

Information on My report : ( Belongs To XXXX  Now XXXX  ) Phone number doesnt work. No Notification of new contact information. XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation