vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 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:
Hi XXXX has a 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 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a Bum. 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 n 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN

Complaint narrative:
Company has failed to refund escrow balance past 20 days. Currently sitting at XXXX days with no escrow refund check, company has been vague, ignored, and been misleading as to when/if they will reissue. 

XXXX rep XXXX XXXX was particularly misleading and stated the company is under no obligation to meet any regulatory timeline to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized inquirie. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX BANK XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX BANK  XXXX XXXX XXXX, XXXX, XXXX XXXX BANK XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX BANK XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Social Finance, Inc.
State: CA

Complaint narrative:
I had a SoFi credit card. On or about XX/XX/XXXX I noticed that my credit card had been paid in full and about {$5600.00} dollars had been taken out of my checking account. The next day their fraud department contacted me about a suspicious charge on that account for almost a XXXX dollars. When I looked at the account I noticed that my address and phone number had been changed to Florida. I live in California.  When I contacted the company they said the money would be sent back to my checking account in XXXX business days. That did not happen. I spent hours on the phone trying to find out what happened to my account. Every time I called they said they were looking in to it. A month has passed and the company has yet to explain to me what happened. I suspect it was either an employee with access to their system changed my information or their entire system had been hacked. In either case the company has stone walled me with an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: MI

Complaint narrative:
I purchased these so called Hoya plants from someone from XXXX purchased on XX/XX/2021. Even form the beginning I should have known better she kept telling me she only accepted payment by wire transfer or XXXX friends and family only. No other form of payment that was safe for the buyer. This was for a lot of money too. She wanted me to pay her multiple times not the entire amount at once either. The total came to almost {$3000.00} she wanted. Four different payments of XXXX then XXXX then XXXX and then I paid her in Russian currency of XXXX RUB. She wanted them sent al on different days. She then sent me an empty box with newspaper which I then reported to her and she claimed that it must have been customs because its not legal for her to ship them ( which I had no idea of! ) and that there should be a slip inside. There wasnt anything. I was extremely upset and wanted my money back to which she told me NO. I went to photograph our conversations on XXXX messenger and she DELETED all of the texts she sent! So I have no idea what to do! The fact that Discover stated because I have high amount of disputes ( which are ALL genuine ) is just outrageous and horrible service. They did not contact me for any information about MY side of the story. I was SCAMMED and Im extremely upset about this. They refunded me the other transactions but now denied me this one for no reason! This is not the first time Ive had issues with this credit card company not following up with my side of my story and at this point I will not be using them anymore!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Escrows are being over-projected by approximately {$1400.00} extra a year from actual assessment and yearly XXXX to XXXX tax of {$3300.00} to {$4800.00} inflating monthly mortgage payments. Rather than fix problem, Mortgage servicer XXXX XXXX loan servicing did transfer loan servicing to Select Portfolio Servicing in XX/XX/XXXX. Called SPS on XX/XX/XXXX was treated very badly and again on XXXX and XX/XX/XXXX while providing useful city hall data from the Tax collectors/assessors office to prove that real estate tax on XXXX XXXX XXXX XXXX, MA XXXX is being ove-rprojected. To date there has been no effort to correct matter. Please assist as this now shows an intent to defraud consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

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 2021-12-02 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XXXX I submitted documentation in the form of Affidavit of Truth, Cease & Desist along with an invoice citing numerous violations under FDCPA pursuant to 15 USC 1692g ( b ) amongst other consumer law violations by Comenity/Victoria 's Secret as they are reporting information on my consumer files. In return I received a notice back from Comenity/Victoria 's Secret around XX/XX/2021 in in the mail. On the notice it appears the credit card account ending number isn't even the same as what was on the other documents received. Comenity/Victoria 's Secret advised that they sold this alleged debt to collection agency ( XXXX XXXX XXXX XXXX XXXX After reaching back out to XXXX XXXX XXXX and providing documentation on how my Consumer rights were violated and receiving a notice in the mail from them advising that somehow after reviewing their records as again as they stated had already did initially when I sent them a validation request and it wasn't provided. They ( XXXX XXXX XXXX ) sent a notice in the mail around XX/XX/2021 stating the current balance is {$0.00}, the account was closed and collections have ceased. XXXX XXXX XXXX also advised that they are not the ones furnishing the account information on my Consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/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 2021-12-02 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: NC

Complaint narrative:
On XX/XX/XXXX I submitted an application for pre approval on a line of credit through XXXX XXXX with XXXX XXXX bank. This was not supposed to be reported on my credit report if I was not approved for the credit. As soon as I submitted the application, I was disqualified and a hard inquiry was reported. It negatively impacted my credit and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery Solutions Group, LLC
State: MD

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Recovery Solutions Group XXXX XXXX Wy, XXXX, DE XXXX Re : XXXX XXXX XXXX : XXXX Dear Recovery Solutions Group : Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and anyone else, concerning any and all alleged debts you contend I owe. 

My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner as well. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Consumer Financial Protection Bureau and the Maryland 's Attorney Generals office and civil claims may be pursued. 

Thank you for your cooperation in this matter. Attached to this complaint is also a dispute letter, and a notice to furnishes. Your corporation with the FBI, CFPB, FTC is greatly appreciated. The proof you've sent over isn't sufficient according to the standards set-forth. The document shows it was signed in NY, not from there, nor never been there. The email on the application isn't even real, doesn't have a XXXX report anywhere. The bank statements also come on, that's my husband 's name he only has a XXXX  account, no lender should ever take XXXX. This actual business didn't even generate any revenue, or even open up because he's mentally XXXX for XXXX XXXX. The ID scan, that's not my actual ID it was lost about 2 and a half years ago. If any WRITTEN COMMUNICATION IS NECESSARILY NEEDED PLEASE ONLY SEND IT TO THE ADDRESS ON THIS LETTERHEAD! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: NY

Complaint narrative:
This organization is continuously seeking for the debt that I do not owe. I am enclosing my Identification, Identity theft report from the Federal Trade Commission and the Notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all of the requirements for blocking and removing of this account from my credit report under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I had an account there in which i accessed in XXXX. They allowed a man named XXXX XXXX to not only steal XXXX XXXX dollars out of the account but transfer this account to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX holds the account at their institution in a trust. The XXXX could of very well changed the TIN ON THE ACCT by now however the tax if number was under my daughters due to fraudulent activity by XXXX in regard to me. The account I believe was transferred to XXXX XXXX XXXX XXXX as early as in XXXX. First National is not showing any records other than a savings acct under my daughters social. They also deleted the transfer records and record of the account under this persons guudance. XXXX XXXX requires a medallion signature of several levels attained by XXXX XXXX at First National Bank of Omaha.

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 2021-12-02 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: NY

Complaint narrative:
My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing a Notarized affidavit, Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I reached the standards for Blocked and Removed information on my credit report under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
GM Financial has caused our two income household to become a one income household due to misinformation given throughout the entire lien and title transfer process. 

I was informed by agents that this information could be faxed to the county tag office in Georgia, which is incorrect. 
I was informed that the information could be expedited by both the State of Georgia and Florida to which they were willing to provide information, but my lien holder, GM Financial refused to cooperate. 

Due to this issue, now we are facing financial hardship. 

I was informed by an agent that I could request a payment deferral and it would be placed on the backed of my lien. When I called in to defer the payment I was told that there would be a {$62.00} ( USD ) charge in order to even process the payment deferral which I was NOT previously informed of. 

I was also informed that GM Financial does not have a compliance ( legal ) department when I requested to speak with them which is also incorrect information This has been an issue since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted an application for pre approval on a line of credit through XXXX XXXX with Citizen One bank. This was not supposed to be reported on my credit report if I was not approved for the credit. As soon as I submitted the application, I was disqualified and a hard inquiry was reported. It negatively impacted my credit and they refuse to remove it.

Company response to consumer: Closed with explanation