vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021, there were payments deducted from my then TCF account ( Since then TCF became Huntington Bank ). The payments were deducted by XXXX ( a buy now, pay later credit line ). The product I purchased was never received. The merchant had to do an investigation, which took months to complete. They finally determined that XXXX lost the package. They issued to my now Huntington account 4 separate refunds ( equaling the total amount originally deducted ). 

However, I only received one of these refunds totaling {$67.00}, XXXX has shown proof, that I in return showed to Huntington that they issued a total of four credits of {$67.00} to my account. Huntington is denying this. I have spent endless hours trying to explain the situation and they keep denying my claim. They still owe me {$200.00}. I have all the proof they owe me that refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
1. In legal filings the company, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has denied it is legally responsible for the acts or inactions as successor to XXXX XXXX XXXX 
2. In previous complaints the company responded for us to contact Bank of America as master servicer. When we did we were advised by XXXX XXXX Resolution Specialist, Regulatory Complaints, that the prior authorizations we provided XXXX  were sufficient for them to have provided a payoff letter and to submit one to him signed by borrower XXXX XXXX and Bank of America would release a payoff letter. It in fact never did. Now we are told to please contact XXXX XXXX XXXX who since XXXX  has refused to provide a payoff letter. The lawyer they now referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom we are in litigation with is XXXX and has lied to the courts and concealed her and her firm have received third party signed authorizations including the one sent to XXXX XXXX Resolution Specialist, Regulatory Complaints, but neither that firm nor the collection firm employed by Bank of AmericaXXXX XXXXXXXX XXXX XXXX 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 XXXX Illinois XXXX provided a payoff letter 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 2022-09-15 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: AZ

Complaint narrative:
I received and alert from Experian Direct stating that there have been changes to my credit report. While reviewing my report I noticed what appears to be a prepaid credit card open on my credit report with XXXX XXXX XXXX  XXXX This is fraud as I have not applied for or open any new accounts nor have I ever heard of this company. I called the XXXX listed on my credit report for this company and when I am able to get someone on the phone they immediately hang up once I say this is fraud.

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 2022-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
I mistakenly ordered a bed from XXXX in spring of 2021. I canceled the order within minutes and called them to verify. They laughed at me and said that the order would be shipped to my house anyway and then I could return it for free. I told them not to ship it to me and I told XXXX not to deliver it to me. The item was never shipped nor delivered to me. XXXX claimed that I received the item and had to pay over {$1000.00} to return it. XXXX would not communicate with me and they passed it off to XXXX creditXXXX XXXX  refused to communicate with me and now I have debt collectors after me. I am XXXX XXXX XXXX and have NEVER had a bad debt or even a late payment. This harassment has to stop. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: FL

Complaint narrative:
Account never Late and paid in full.

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 2022-09-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There are fraudulent inquiries on my credit report that I did not authorize and I want them removed from my report. I tried contacting them individually but Ive been ignored on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MT

Complaint narrative:
I was in need of modification due to XXXX. I filled out hardship paperwork and during the same time Faye Servicing sent a letter saying they were taking over servicing the loan. They also had me fill out hardship modification paperwork. A few weeks later I heard from XXXX XXXX XXXX that said I was going to do the modification with them. They had me send them a cashiers check for the attorneys fees. I added XXXX XXXX XXXX to this and it was sent back and they said to make it fast get the gift cards. Stupid now, I live in a rural area so since they had all my info I went with it for XXXX months. I kept all the paperwork. Now I am facing foreclosure in XXXX weeks at sheriff 's sale. I have all the cards still.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Barclay bank has done nothing to fix the problem

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 2022-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I owed a student loan debt which was initially owned by XXXX XXXX but was sold to Navient. I filed for XXXX XXXXXXXX Bankruptcy in XX/XX/XXXX for other reasons. Navient was included in the XXXX XXXXXXXX plan with me owing a total with principal and interest in the amount of {$27000.00}. The total balance was paid off through a XXXX XXXXXXXX Bankruptcy which was successfully XXXX in XX/XX/XXXX. Navient XXXX XXXX XXXX XXXX is now alleging I owe {$6100.00} after the bankruptcy has been completed because a Navient Representative indicated that portion of the loan was forgotten to be included when I filed for bankruptcy in XX/XX/XXXX. Also, amid the bankruptcy in late XXXX Navient transferred/sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). In addition, I asked Navient for the validation of debt and a copy of the original documents with my signature because Navient has alleged a loan disbursement was given to me in XX/XX/XXXX. I last attended graduate school and graduated in XX/XX/XXXX. I have not attended any other college or school since XX/XX/XXXX. To date, I have not received a copy of the documents. Furthermore, it is Navient 's error if they have forgotten to include this debt with my bankruptcy filing and I should not be liable for this alleged debt. Also, I keep receiving conflicting information about the loan when contacting Navient. 

I had started paying from XX/XX/XXXX - XX/XX/XXXX because I did not want this to affect my credit score while trying to resolve this matter as I had successfully emerged from bankruptcy. I ceased paying because this was unfair and totally a violation of the law and my rights. As you are aware there is a pause on the student loans and it had been extended on XX/XX/XXXX by President Joseph R. Biden through XX/XX/XXXX, but on XX/XX/XXXX Navient report me as 90 days late to the three major credit bureaus. There have been constant harassing calls, text messages and emails. This has caused pain, stress, anxiety and sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: VW Credit
State: FL

Complaint narrative:
They were supposed to remove. I went to Audi they said it was applied wrong and then when I sold them back card they didnt pay it off for 57 days. 

They said they would remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have my credit report frozen and a fraud alert on my credit reports and yet for some reason on my Equifax report it shows that XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX, On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX On XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX BANK XXXX XXXX XXXX all ran my credit it and it shows up on my credit report. I have filed a dispute with Equifax and they replied with the information on my credit report is valid. When in fact it is not valid and I am a victim of fraud. 


XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX CONS XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Soft Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Account XXXX XXXX XX/XX/XXXX EQUIFAX Automated XXXX XXXX XXXX XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX CONS XXXX XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX CAPITAL XXXX XXXX CARD XXXX XX/XX/XXXX XXXX XXXX BANK Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System All credit inquires on my report were not my doing and yet they still keep them as valid. 
I have also filed a dispute about XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX and was also told this too was valid!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: GA

Complaint narrative:
I went and financed a new XXXX XXXX XXXX from XXXXXXXX XXXX in XXXX through XXXX XXXX XXXX on XX/XX/XXXX and I paid a down payment cash of XXXX and i also traded my old XXXX XXXX XXXX in and was told that it would be applied to the total amount of the auto loan However Ive recently went over my contract and discovered that was a lie. Which now Considers this contract null and void.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. XXXX and TransUnion are governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Because of these violations and reportings without my written signature and consent, it's been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given XXXX, Transunion, XXXX or any other consumer reporting agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Name XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX Account Number : 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 2022-09-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. XXXX and XXXX are governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Because of these violations and reportings without my written signature and consent, it's been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given XXXX, XXXX, Equifax or any other consumer reporting agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. Account Name : XXXX, XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an 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 2022-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
They had my car for lemon law issues for three months. Supposed to to bill me during period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: K STREET FINANCE, INC.
State: CA

Complaint narrative:
Mullen Finance is not correct. They are stating that my car was repossessed and it was not. I was not behind on payments. My car was impounded because of parking violations and was impounded during covid. I was working on coming up with the {$2600.00} to get my car out of impound and Mullen Finance picked up my car from the impound lot. The only choice that they gave me was to fully pay off the car as well as all impound charges. I did not have or could come up with {$11000.00} at this time, during covid when I was not even working. They were not willing to work with me at all eventhough I had always paid my car payment on time and had never caused them any issues. 
Since this happened, Mullen Finance has continued to do hard credit checks without my permission, docking my credit even more. 
Its like this is a sick game to them to ruin my credit and its worked. This repo on my record is causing major problems in my life, causing me to not be able to get a car and effecting my credit in a major way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The US Dept of Education is reporting false information on all XXXX credit bureaus - they put on Equifax that i had a XXXX loan that the alleged account was opened on XXXX XXXX, XXXX, then on XXXX and XXXX they claim the account was opened on XX/XX/XXXX. I told all 3 credit bureaus that this is IMPOSSIBLE. I went to college in XXXX to XXXX and left college after that - that is when this alleged XXXX loan would be from. therefore, the first date of delinquence would be in XXXX and thus, this is way to old to be on my account. 
The Equifax false reporting i already have a lawsuit filed in the US District Court XXXX XXXX XXXX Case No. XXXX. 
On XXXX and XXXX- the false reporting did not happen until after i already filed the lawsuit against Equifax/US Dept of Ed XXXX I showed both XXXX and XXXX that case and also the fact that the US Dept of Ed is simply making up dates as they choose as i did not get any loans in XXXX, XXXX and the fact it is much different dates between the 3 credit bureaus should show any normal person with 1/2 a brain that something is not right but they have not done any real investigation into the accuracy of the reporting in violation of the FCRA XXXX 
I am also aware of the lawsuit filed by the CFPB against XXXX and their transgressions and i also am aware this is not the 1st time these credit bureaus have been sued for similar situations. 
This is absurd that i am going to have to file another lawsuit vs. the US Dept of EXXXX and also name XXXX and XXXX in the 2nd lawsuit. 
FYI- I also showed XXXX that back in XXXX the US Dept of Ed attempted the false reporting on this alleged debt and back then it was removed from XXXX but yet now all 3 are reporting this false information on an account that is too old to be on my credit. I am filing this complaint so that you notify all 3 credit bureaus as well as the Dept of Education of these transgressions and they all need to remove this false reporting from my 3 credit bureaus or there will be a 2nd lawsuit filed.

Company response to consumer: Closed with explanation