vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent several dispute personal information update letters to all three credit bearues in the. The only address that is correct XXXX XXXX XXXX XXXX XXXX XXXX. OH XXXX and phone number XXXX. I no longer work at XXXX as well.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-03-22 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: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-22 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:
On XX/XX/2021 I sent a letter to XXXX, XXXX, and Transunion regarding unknown and inaccurate things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be removed promptly. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. My personal information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports. I have requested contracts from creditors containing my signature and have not received anything. 

Upgrade sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency. If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

XXXX : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX Inquiries : XXXX MORTGAGE XXXX XXXX XXXX XXXX : Accounts opened as a result of Identity Theft : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : Inaccurate spelling of my name. I have never been known by the following names : XXXX XXXXn, XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX UPGRADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-22 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter to XXXX, Equifax, and XXXX regarding unknown and inaccurate things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be removed promptly. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. My personal information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports. I have requested contracts from creditors containing my signature and have not received anything. 

Upgrade sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency. If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

XXXX : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX Inquiries : EQUIFAX XXXX XXXXXXXX XXXX XXXX Equifax : Accounts opened as a result of Identity Theft : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX : Inaccurate spelling of my name. I have never been known by the following names : C Zardin, XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX ELAN XXXX XXXX UPGRADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XXXX XXXX XXXXT VIA EQUIFAX MORTGAGE SERVICES XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Submitted a XXXX application on XX/XX/22 with Pentagon Federal Credit Union loan officer XXXX De XXXX, NMLS # XXXX. Secured a rate lock of 60 days. All our paperwork was submitted by XX/XX/22 as confirmed by XXXX De XXXX via email. Pentagon has dragged their feet on a simple refi with customers who both have outstanding credit. No issues whatsoever to holdup this refi. When XXXX XXXX, our loan representative could not accomplish anything to complete the process we stepped in to finish the job. The ONLY problem XXXX told us we were having was our XXXX XXXX XXXX dues which are paid yearly, the moment the bill arrives. Our POA went out of their way to submit the forms necessary to secure our closing date of XX/XX/XXXX. XX/XX/XXXX came and went and nothing was done to close on our loan. On XX/XX/XXXX XXXX pm, XXXX calls us and says we are going to need to bring another {$9000.00} to {$10000.00} to closing. Alarmed by this increase I ask him to send me the backup paperwork on this drastic ( doubled ) change in fees. He fails to send the paperwork and instead the original loan officer, XXXX De XXXX, sends a new Rate Lock on XX/XX/22 at XXXX pm for us to sign that extends our rate lock by 1 day but now includes points that need to be paid. Points were not on the original lock in agreement of XX/XX/22. I do not believe they are going to get this process done by XX/XX/22 which is our rate lock expiration. We have reached out to XXXX XXXX, XXXX supervisor, on numerous occasions to remedy this situation with no reply from him.

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 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
SELECT PORTFOLIO SERVICING IS THE CREDIT COLLECTION COMPANY COLLECTING FOR - XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Select Portfolio Servicing, BXXXX  XXXX XXXX XXXX XXXX is committing Mortgage, Deed, Assignment of Mortgage, Bank And Securities Mortgage Foreclosure Fraud by obtaining a Default Foreclosure Judgement on XX/XX/XXXX. XXXX in XXXX XXXX of Common Pleas instead of providing Consumer Relief per sanction given on XX/XX/XXXX by the Department of Justice. Im currently in Pa XXXX XXXX XXXX XXXX on a Appeal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I contacted PennyMac on XXXX XXXX concerning my over payment on my escrow account for XXXX.I received a response from them dated XXXX XXXX trying to justify not paying the over payment. 
I'm asking you to investigate if PennyMac can legally overcharge me {$2300.00} and not pay me after all the taxes and insurance has been paid. 
I have never been late on a payment and have it set up on a automatic draft. 
Please hold these mortgages companies accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: NC

Complaint narrative:
On XX/XX/2021, we entered into an agreement with XXXX XXXX XXXX to complete the upgrade for our shower. Unbeknownst to us, XXXX went to Synchrony Bank to finance the project without our consent or knowledge. During the construction we saw that the materials and quality of work was not up to par with what was agreed in the contract. We contacted XXXX and requested they send someone to our home to witness what was being installed and the quality of the installation. They did not show after promising that they would send someone. 

After several months we sent XXXX a certified letter along with a faxed copy requesting that effectively immediately the contract was deemed null and void and for them to come and remove all tools and material from our home. They did not or have not come and removed the tools and material. 
Several months later we received a payment notice from Synchrony indicating that XXXX XXXX XXXX was paid for the project and this payment was not agreed to by us. 
We also sent Synchrony a letter protesting the payments along with the letter and pictures that we sent XXXX  indicating the lack or quality and incompletion of project. 
We received a response from Synchrony indicating that they had completed an investigation and their decision was decided on XXXX behalf. We requested a copy of their investigation into this mater and as of this date, have not received a copy detailing the basis of their decision.

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 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
I do not know the exact name of the company, but they claim to be a legal firm, I believe XXXX XXXX XXXX. The phone number for the firm is XXXX. The guy I dealt with is XXXX XXXX. At first I was called by a legal courier service from a blocked number asking for personal information to serve me papers about a court judgement. They gave me XXXX  number. They also called my elderly father and other family members of mine. XXXX told me this was referring to HSBC debt from 2010 in the amount of XXXX. I contest this debt, and I contest the fact that even if it was legitimate it would be time lapsed. XXXX wouldnt give me information about his company /firm. It also concerns me that he knows my personal info and has been harassing my family. He said he has filed suit but I dont see this on CT judicial website or my credit report. Help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: MO

Complaint narrative:
In the beginning of this loan, we contacted XXXX because we were having difficulty paying this loan in XXXX and XXXX of 2021. My husband just switched jobs XX/XX/2021 and I was still looking for one because we relocated. XXXX told me to just pay when we can and we will figure it from there, they did not offer us the COVID relief program that they had in place which I later found out about. We had to switch jobs and relocate due to the lack of work available in our old home due to COVID.

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 2022-03-22 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:
I am submitting this complaint because I recognized inaccurate info on my credit report. {$18000.00} is reporting to my credit report that is inaccurate. Reporting date XX/XX/2022. Also I see addresses and employment that are inaccurate as well. A birth year is also inaccurate. And one inaccurate name. 

Accounts that are inaccurate are XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX Employment that is inaccurate is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like this matter to be investigated, resolved and removed.

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 2022-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX of 2022, I requested my contract and full file and audit traiXXXX. On XX/XX/2022 I was given access to a digital account and was told the information would be unloaded on two days. I logged in several times and they failed to provide me with the info I requested.

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 2022-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I opened an account online XX/XX/2022. I was able to set up online banking, creating a User ID and password. I added my husband as a joint owner, following their instructions. At the end of that process, I was told his application required further review. We received a letter from Comenity requesting copies of his drivers license and social security card be MAILED to Comenity Bank. We are not comfortable with this option, so I want to add him as a beneficiary only. My online banking access has been blocked. I have called the bank 7 times since XX/XX/XXXX, with no resolution to this issue. Each time, either the representative ( after lengthy wait times and authentication processes ) can not assist me and must submit a ticket to a different department, ( with no follow up ), OR- in 3 instances, the phone call has been terminated by the bank and I have had to call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX BANK XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX BANK XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation