vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This kohls account is not mine Im not liable for it its a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: GA

Complaint narrative:
EDFINANCIAL is XXXX After asking for a refund on the payments we made during the pandemic pause we are being told it will be ATLEAST 5 months till we receive our refund back. 5 months!!!! 

When we call back to confirm refunds have started to process they are not finding any records of us calling and requesting the refund that we sat on hold for for 3 hours to request. 

Edfinancial is LYING to borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Upon pulling my annual credit report I notice some credit inquiries that were unauthorized and were not clearly and conspicuously disclosed. My research on the FCRA Laws, states reports containing information solely as to transactions or experiences are to be excluded from my consumer report. Attached I have the names of the companies that are in violation. This is causing injury and is causing me to get denied loan/credit opportunities from me and my family. Thank you for your time!

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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Multiple Problems Started the day I applied : 1. Takes 10-14 business days to get card. Card was lost in mail, took a lot of convincing for Synchrony Bank ( Paypal XXXX mastercard ) to expedite the replacement card. 
2. They do not reset credit limit even after you pay off the full balance. Takes up to 3 weeks for limit to reset. 
XXXX. They take longer than other credit cards ( XXXX  XXXX, XXXX, XXXX ) to post payments. 
4. Was using card on many utility bills. I paid balance off and extra as soon as purchases were made. I have excellent credit and have never had a balance remain. Synchrony bank still cancelled my account, shut down the card, and took away all the cashback I had received, thus rendering the purpose of the card useless. They sent my file for review and will decide what to do. 
5. Synchrony bank has done a poor job with this particular cashback card. Customer service is of no help as they do not control company policies. 
6. I have overpaid everytime, Synchrony bank believes I wont pay my bills even though they will be returning money to me if they permanently close the account. I have never missed a payment and actually had a positive balance on my last statement.

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 2022-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has never tried to correct my mortgage situation, I got statements that are incorrect. 
The statements shows incorrect monthly payments they show I paid lower payments but my payments are much higher {$790.00} a month. 
I'm not behaving on my mortgage, I also had problems trying to refinance my mortgage but I keep getting turned down. 
I have Equity that I need to use for home improvement and a vehicle, I haven't had a vehicle for over 5 years. 
Wells Fargo can not be trusted what so ever.

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 2022-08-30 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: NY

Complaint narrative:
This XXXX  account is not mine Im not liable for it its a fraudulent account

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 2022-08-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On 3 different occasions during the past 8 months, I have mailed, faxed, and delivered in person documents showing me as Power Of Attorney for my XXXX XXXX XXXX mother so that I can have access to this credit card account. This account had fraudulent charges made to it late XXXX and they were promptly reported. Because I chose to wait until I got a full account of the transactions on this credit card before paying, Wells Fargo has sent negative indicators to Credit Bureaus which has resulted in her only other credit card through another issuer to be cancelled. This is the only way we have to taking care of her and providing her daily essentials. 

They have not been cooperative or communicative as far as confirming they have the documents or asking any questions they may have to resolve the issue. The bank segment of Wells Fargo had no issue adding me as POA. In fact they faxed all the documents over to the credit card division and received confirmation that they received back in XX/XX/XXXX. My mother has had a Wells Fargo checking account for over 50 years.

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 2022-08-30 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: NJ

Complaint narrative:
Please Remove all Fraudulent Accounts as I have no knowledge of any of these accounts due to the Equifax Data Breach Identity Theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XX/XX/XXXX called portfolio recovery spoke to XXXX XXXX I told her the debt needed to be removed since it was eight years old inception XXXX, she said no that there was a payment of XXXX paid XX/XX/XXXX I said neither myself or x paid this I asked for copy of payment she could not provide and said I had to pay I told her I could do a settlement because I was recently laid off at first would not take amount they said ok I asked for it in writing and she said she could not give me in writing until I gave my payment info routing acct number. Which I did not give since she was unwilling to give me anything in writing the debt is eight yrs old, they could not provide me documentation requested. She said this is not a judgement yet but rev by attorney and would be. This is wrong I tried to no avail Thank you XXXX XXXX I spoke to the rep at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I opened a XXXX Visa Credit Card on XX/XX/XXXX. The credit card is administrated through Comenity Capitol Bank and I was told I would receive my credit card within 10 days of approval. On XX/XX/XXXX, I was sent an email stating that my credit card statement was available and that I could pay. However, I needed my full account number in order to pay online. By XX/XX/XXXX, I had yet to receive my credit card in the mail and still could not access the account number. I called XXXX Customer Service and Comenity Bank to receive my account number so that I could register, activate, and pay my bill. I was then told that Comenity 's servers were down and therefore they could not access my account number and information. I attempted again in early and XXXX 2022 and was told again that there were issues with servers. On XX/XX/XXXX I contacted XXXX and received the following response from XXXX 's Customer Service : " Hello XXXX, I truly apologize for the confusion. 

I want to inform you that Comenity Bank is currently experiencing phone contact issues and we working to resolve this matter. At this time, I recommend you to allow 24 hours to re-attempt your phone call. If you are still unable to access it, please allow more time to receive your physical card by mail. 

Thank you so much for your interest in our company. I hope you have a lovely day! '' In XXXX, I called Comenity Bank to inquire again about the status of my credit card. At that time I was told Comenity 's servers were working again and so I finalized a payment on the card via phone. Additionally, I was told that another credit card was ordered for me and would arrive within 10 business days. I went out of the country from XX/XX/XXXX- XX/XX/XXXX. When I returned on XX/XX/XXXX, I still did not have a copy of the physical card in the mail. However, I have two bills from Comenity instead and a new balance that does not match the previous balance I had when I made a phone payment. 

Thank you for looking into the negligent and predatory consumer behavior that Comenity Bank has employed against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/XXXX called XXXX XXXX spoke to XXXX XXXX I told her the debt needed to be removed since it was eight years old inception XXXX, she said no that there was a payment of XXXX paid XX/XX/XXXX I said neither myself or x paid this I asked for copy of payment she could not provide and said I had to pay I told her I could do a settlement because I was recently laid off at first would not take amount they said ok I asked for it in writing and she said she could not give me in writing until I gave my payment info routing acct number. Which I did not give since she was unwilling to give me anything in writing the debt is eight yrs old, they could not provide me documentation requested. She said this is not a judgement yet but rev by attorney and would be. This is wrong I tried to no avail Thank you XXXX XXXX I spoke to the rep at 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 2022-08-30 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: MT

Complaint narrative:
Experian shows account # XXXX XXXX  XXXX as " legally paid less than full balance. '' I paid the full balance to the collection company.

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 2022-08-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, The XXXX XXXX XXXX  Account # XXXX, The XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
My car payment with Chase Auto was the XXXX of each month. 
On XX/XX/2023, I mailed in a check to payoff the loan. The amount and the address was given to me by Chase Auto because I would not have known what the payoff amount would be without calling them. 
On XX/XX/2023 Chase Auto received the check because it is stamped on the front of the check. 
Chase Auto did not deposit the check until XX/XX/2023, nearly 60 days after receiving the check. Meanwhile they continued to auto-debit my account for payments on XX/XX/XXXX and XX/XX/XXXX. 
They say they will refund my money but I still have not received it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As of XX/XX/2022 per cfpb director XXXX XXXX a law was passed to have medical files under {$500.00} to be deleted. I have contacted all of the credit bureaus in regards to my 4 accounts that I have on my file that qualify to be removed under the new law. 
I was advised by each bureau that they would put the accounts in dispute and nothing has happened and we have make no progress, thus prompting me to file this complaint. 
The accounts I am attempting to get removed are as follows : 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

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dispute Department Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and these inquiries were unauthorized. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible, as they are preventing me from opening new lines of credit. 

Fraudulent Inquiries -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 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

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 2022-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have received an escrow account disclosure statement dated XX/XX/XXXX from US Bank ( XXXX ). The analysts shows a shortage of {$3300.00}. Since XXXX of XXXX I have been going back and forth with US bank trying to get an explanation of where this shortage is coming from. I have made numerous phone calls since then. I was told to wait till XX/XX/XXXX to get a recalculation of the analysis since it was drastically miscalculate, probably due to someone's error. I have spoken to several customer service representatives and none of them was able to find out how this mistake happened and why. After waiting and getting nothing in the mail or via email, today, XX/XX/XXXX I called again. And I was told that someone made a note on the account that there was no need for recalculation. US bank miscalculated this analysis, they made a mistake and they are not even able to explain this to a consumer. I have the right to know, to be explained in layman terms how US Bank landed on this amount. Even the customer service reps were puzzled as to this unfounded analysis calculation. There were absolutely no changes that could affect such drastic shortage on my escrow account. This is beyond frustrating. This huge miscalculation of shortage caused my mortgage payment increase by almost {$300.00} a month making it twice as hard to keep up with payments and maintaining good payment history. I have been trying to get answers from US Bank to no end. Today I was told to wait till XX/XX/XXXX to get answers. I need answers and explanation and accurate recalculation YESTERDAY. I Can not be pushed to next month and next and next endlessly because the bank doesn't know how to calculate properly.

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 2022-08-30 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: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Divorce proceedings started XXXX finalized XXXX ex spouse was ordered to refinance via servicer modification was done in XXXX solely with ex spouse. I never signed anything beyond XXXX. I wrote directly to servicer and servicer returned a copy of my signature from XXXX and blank for XXXX via ex spouse modification however none of this was known to me at that time. Instead of servicer stating reason for communication was a dispute, they listed reason for communication was a name change? I also attempted several times to dispute information on credit reports and including returned to court in XXXX due to defendants noncompliance. Judge stated if issued remained unresolved, return so it can be enforced not excluding property being sold. Dates and signatures aren't adding up. I never signed anything post XXXX regarding 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 2022-08-30 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: MT

Complaint narrative:
XXXX XXXX XXXX has a remark in Experian " Affected by natural disaster. '' We spoke with XXXX, the employee asked if we were victims of hurricanes or tornados. I told her no, we live in XXXX. The remark is incorrect. She refused to remove it. 
We have never been affected by a Natural Disaster. This was an account with all on-time payments made for our 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 2022-08-30 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: AR

Complaint narrative:
I have filed and called and attempted to go every avenue to handle this situation. I have received no response from the bureaus nor from the creditors. the following files are FRAUDULENT and need to be permanently removed : 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 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

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 2022-08-30 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: AR

Complaint narrative:
I have filed and called and attempted to go every avenue to handle this situation. I have received no response from the bureaus nor from the creditors. the following files are FRAUDULENT and need to be permanently removed : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
This Debt was paid the creditor was paid in full through last bill.

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