vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
These creditors were removed from my experian, and transunion accounts because they couldnt prove the debt was ever mines but somehow remains on my XXXX and i dont understand how its proven to them and not the other two bureaus : XXXX account resolutions Account resolution corp Wakefield and associates I never heard nor have i ever received notification of debt from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: WI

Complaint narrative:
I went through a terrible divorce, had to file bankruptcy as my ex created a lot of debt in m

y name. I have never paid a bill late since then. I do not borrow more than I can afford, etc. Here I am over two and a half years later and a company files on my credit they wrote off/charged off one of the items that was listed in my bankruptcy over two years ago which created a nose dive on my credit report. I called Trans Union and filed an online dispute. The person on the phone said they can see and I filed it under the wrong category. They did nothing and didn't fix it allowing a charge off to be reported monthly on my credit report for the last two months that was included in my discharged bankruptcy. I am so tired of these credit reporting agencies using automation and not caring about the affect they are having on individuals lives.

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 2022-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I attempted to use my card on XX/XX/XXXX. It would not work, so I called Comenity to inquire. I was told I requested the card to be closed via secure messaging center in XX/XX/XXXX. I advised the representative that I did not make such request. I was then transferred to a supervisor, who reiterated that the card was closed via request in their website secure message center in XXXX. I advised the supervisor that there was no such message in my outbox. He stated that 'sometimes they get deleted. ' I asked why I had other messages in my outbox from the same time period. He stated 'some of them get deleted. ' I asked him to confirm that the only message he was unable to locate was proof that I asked for my account to be closed, and he said that was correct. He confirmed that the company had no proof of my request the account be closed, yet it was closed anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: MI

Complaint narrative:
XXXX and Transunion have willfully failed to comply with any requirement imposed under this subchapter 15 USC 1681. I sent letters to the XX/XX/2022, letting them know that they have posted inaccurate information on my consumer report. 
Under the FCRA they have violated 15 USC 1681i. 

Please see attached letters that were sent

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 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Aargon Agency, Inc.
State: HI

Complaint narrative:
Contacted AARGON AGENCY to validate debt, this debt is XXXX violation as I did not consent to my medical information or history being shared with 3rd party.

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 2022-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
on XX/XX/22 I reached out to this company as my final attempt to pay a debt owed. I was given this loan on a basis where my income could not meet the payback terms. I feel this is creditor abuse and I should have been denied this loan. I reached them to settle for 10 % of what I owe, if not I would file bankrupcy and they would receive 0 . I kept getting passed around as the company did not know how to assist me. I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES and BANKRUPTCY from my credit report immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: MI

Complaint narrative:
Experian and XXXX have willfully failed to comply with any requirement imposed under this subchapter 15 USC 1681. I sent letters to the XX/XX/2022, letting them know that they have posted inaccurate information on my consumer report. 
Under the FCRA they have violated 15 USC 1681i. 

Please see attached letters that were sent

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 2022-03-15 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: GA

Complaint narrative:
I've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2022 which I attached to this complaint hoping that they will check on this matter.

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 2022-03-15 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: GA

Complaint narrative:
I've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2022 which I attached to this complaint hoping that they will check on this matter.

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 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I received emails stating that someone had tried to access my square business account. On XX/XX/XXXX I took the exact steps that were outlined in the email to prevent anything further from happening. I continued to get emails on XX/XX/XXXX and it showed that someone had created a checking account with a debit card and had added this debit card to XXXX and XXXX XXXX without my permission. I called Square for assistance three times. Each time they transferred me to a department that is only open XXXX XXXX XXXX  XXXX time. I had to figure out how to close the debit and check account on my own. During the early morning of XX/XX/XXXX another debit card was created. I closed that one too. I couldn't reach someone on the phone until XXXX XX/XX/XXXX. On XX/XX/XXXX I was told by Square representatives that they would need to put a hold on the account and review it. They said that they would need to hold my money for 5-7 business days to investigate. They wouldn't give me a contact person to call as to what is being investigated and who is doing the investigation. 

On XX/XX/XXXX I received 4 more emails that my account information had been accessed by someone ( not me ). I logged into my account and noticed that another checking account and debit card had been setup. I also noticed that my account balance was {$0.00} and no funds could be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
My wife and I went through Loan Depo for a refinance. Loan Depo choose XXXX XXXX to complete the appraisal process for XXXX XXXX XXXX We called to schedule an appraisal but were told by a representative from XXXX XXXX to go online and schedule. So we went online to schedule the appraisal but weeks went by before we heard back from anyone to confirm the appraisal date and time. we had to call XXXX XXXX many several times and still no response from the appraiser or when the appraisal would take place. Finally, the Lender contacted XXXX XXXX, and we contact a supervisor to get a response. Finally, we heard back from the appraiser. The appraisal was scheduled in two days and completed on XX/XX/2022. Two days before the appraisal deadline was set to expire per Loan Depo. The appraisal come back weeks later and we found many inconsistent issues with the report. So we contacted the appraisal company and asked the representative to ask the appraiser to answer some of the concerns we had just to understand why he used the information on the reports as he did since the report did not provide detail. As well as, to understand and get clarity. We again have no response. So we drafted a letter of our concerns and sent that to Loan Depo. Loan Depo put in a request to XXXX XXXX and the appraiser did not address any of our concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$23000.00} with a substantial interest rate. Throughout the life of the loan I had extended 8 monthly payments and was never told there would be any type of a balloon payment at the end. In XXXX I was informed I would owe approximately {$9000.00} on XX/XX/XXXX, maturity date of the loan. After several conversations and requests for the payment history, which I was never provided, they said there was no option but to pay due to how interest is calculated. I understand how interest works and is calculated but never was it explained that there would be a " balloon '' payment at the end of the note. Even if I take the 8 payments that were extended, that would only total {$4700.00}. As of today, the payoff is {$8700.00} which I am told I have no choice but to pay and if not paid by XX/XX/XXXX they will report negatively to my credit. 

I do not understand how a balloon payment of such a significant amount can be legal or reasonable for someone to come up with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( SYNERPRISE CONSULTING ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well. Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: MN

Complaint narrative:
On XX/XX/2022, I received a credit alert from Experian Credit Reporting that XXXX reported a new student loan onto my credit file. That same day I also received a credit alert from Experian that XXXX also reported that this same student loan 's previous " credit limit '' was {$10000.00} however the " credit limit '' was " reduced '' to {$4100.00}. Due to the incorrect information being reported by Aidvantage ( reported this student loan account as having a credit limit ), this decreased my credit score with Experian substantially, by almost 20 points when the " credit limit '' was " reduced. '' A telephone number was provided on my credit file for Aidvantage ( XXXX ). When I called this number, an automated system let me know that this number was to verify employment with federal workers. Not only had XXXX incorrectly reported information on my credit file ( reported a student loan with a credit limit ), it also lists an incorrect telephone number to get a hold of this student loan servicer. I then looked up XXXX 's telephone number online and spoke to several reps, including a manager who hung on on me. The reps told me to send in a written dispute, however, did not give me any information as to where it should be sent. They also refused to give me their credit reporting department 's telephone number.

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 2022-03-15 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: Home Loan Center, Inc.
State: MN

Complaint narrative:
XXXX XXXX pulled my credit, now they won't give me a credit report. I did not authorize anybody to pull my credit report and if they did I want a copy of the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
After previously requesting that Nationwide Credit not call me and to use email as the preferred communication method, they ignored my request and continue to call multiple times throughout the day. In addition to ignoring my request to be contacted via email only, they contacted a family member via phone, notified them of the debt they were trying to collect, and tried to ascertain additional contact information. The phone call to my family member was received on XX/XX/22 on/around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Requested Loan modification XX/XX/XXXX from XXXX XXXX XXXXXXXX XXXX takes application, asks questions, does not issue Loan modification after 8 months of back n forth information trade, XXXX Transfer Servicing to Shell point Mortgage. 

XX/XX/XXXX - Transfer Loan to Shell Point Mortgage XXXX XX/XX/XXXX - Loan Mod is executed terms agreed to include past payments, back interest, and Taxes / Insurance. 
XX/XX/XXXX - first payment made by home owners XX/XX/XXXX till XXXX - All payments made on time XX/XX/XXXX - Shell point does an escrow review and finds an {$10000.00} deficiency, increase monthly payment by {$900.00} on top of agreed upon modification amount, demands payment start XX/XX/XXXX. 
XX/XX/XXXX - Homeowners challenge Shellpoint to show proof of loan mod terms and why is there any deficiency, since mod would include any back payments amounts, interest and taxes. 

NO solid information provided to substantiate Shell point claims other then standard run around and threating us with legal actions from XXXXhell Point. 

We believe XXXXhell Point has Violated the Real Estate Settlement Procedures Act ( RESPA ) and we seek assistance in dealing with this predatory lender / servicer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Opened a checking acct with Santander Bank online. No requirements to appear in person as this was an online account opened to all. The acct had a bonus of XXXX if you met the requirements. Opened about XX/XX/XXXX. Bank asked for DL/DOB and public identity questions. 
All was fine until last week. I made direct deposits, paid bills via bill pay, and no problems. I tried to pay a bill last week ( XX/XX/XXXX and could not sign on. ) I got a message to call the banks. From XX/XX/XXXX XXXX, all was fine. I called the bank and was on hold for 20 minutes. After asking me my identity questions, Rep told me I have to appear at a branch in person in order for them to reopen my acct. Problem # 1, no requirement when opening online to open in person..2 ) the closest branch is 60 miles from my home, 3 ) My husband is XXXX and I will not travel, I do not drive and I will not take a XXXXXXXX XXXX for 60 miles to XXXX during Covid. 4 ) Im XXXX years old and refuse to waste a day even if I could travel. There was no requirement to open in person or I would never have this acct. rep told me my acct is locked. I have no access to my funds. I have about XXXX in this acct. They stole my money from me. I have no way to GET MY FUNDS. Please help. The Rep on the phone was quite nasty to me even though she knew my age. I live on Social Security and have a small pension. I need my money NOW, or I can not afford to pay my bills!!!

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 2022-03-15 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:
My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS INQUIRIES and BANKRUPTCY from my credit report immediately.

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 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/2022, I contacted Barclay bank regarding my XXXX XXXX Barclay Card, as the " XXXX XXXX '' cards they had sent to me over a period of at least two years were lost. The missing rewards totaled at least {$950.00} in value. They gave me a case number ( XXXX ) and said I could expect to hear from someone within 24 hours and replacing the cards would take 2-3 weeks. No one called. I followed up the following week and was told that the case was being researched, and to wait another 2 weeks. I called again in a couple of week and was told the same thing. Finally, two months later, on XX/XX/XXXX, after two months had passed, I demanded to speak with a supervisor after I was told to wait more. The supervisor informed me that I had to call XXXX directly, even though I have no contract with XXXX. I insisted that it was their responsibility to help me because the rewards is through their company, but she simply apologized and said someone should have told me months ago to call XXXX. She gave me what she assured me ( twice ) was a direct number for the rewards department at XXXX, but it turned out to be a general number. After getting transferred from one person to another at XXXX over the course of 123 minutes, I was told that the request had to come from Barclay card.

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 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Greetings, i have been a victim of identity theft and have asked creditor to proof that it was my debt, and they have not, i have disputed it with bureaus many of times, please remove collection items and block them. 



Concerning XXXX  student loans i was told by agent, that she would have them removed since they were paid in full and its showing as paid collection, these accounts are reporting falsely and is waiting my character.

Company response to consumer: Closed with explanation