vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent a certified request to XXXX disputing the inaccurate reporting on my report from ECSI. XXXX updated my report and removed the inaccurate information in XX/XX/XXXX. However, I have noticed AGAIN, XXXX has allowed for the false reporting. 

I am requesting the removal of the derogatory reporting from US Department of Education ECSI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

According to the correspondence from ECSI, ECSI began servicing a XXXX XXXX on XX/XX/XXXX which is and has always been in good standing. However, according to the credit bureau XXXX, ECSI continues to falsely report servicing my loan effective XXXX, with negative reporting in XXXX, XXXX and XXXX. 

I have enclosed a copy the letter from ECSI, to me regarding said loan, and unless you can provide valid proof to support otherwise, I request that you immediately cease and desist inaccurate reporting practices and delete the false information outlined in this document form my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-17 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-17 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: VA

Complaint narrative:
I reviewed a copy of my credit report and I noticed a fraudulent/unauthorized hard inquiry that needs to be removed from my credit report. The inquiries to be removed are listed below and I willalso liketo add that I wasa victim of theXXXXequifax data breach. 

1.XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: VA

Complaint narrative:
Someone from XXXX XXXX  ( my current lender ) called me unsolicited on XX/XX/22 and said that they wanted to see if they could find me a better mortgage option. I told them that was fine. Two days later my credit monitor reported that XXXX XXXX  had done a query on my credit report which will impact my credit score. The person from XXXX XXXX  NEVER said they would be doing this and I never gave permission for it. Additionally, they hit my wife 's credit report as well and they never even spoke with her, so they certainly did not have authorization for it. Someone from XXXX XXXX  called on XX/XX/22 and when I complained they tried to tell me that I should have known that their agent would do a credit lookup and then started asking me what I was going to use my credit for and whether I was looking for another loan of some sort at that time. IT'S NONE OF THEIR XXXX BUSINESS. IT'S **MY** CREDIT SCORE. 

These are deceitful business practices and they should be stopped. They should disclose what's involved with their " offer ''. I want them to mitigate the impact to my wife 's and my credit scores. And to never do this again.

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 2022-03-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax sadly has a reputation for delayed reporting. The impact to the consumer is brutal. My department of education account has not been updated since XX/XX/XXXX and it is XX/XX/XXXX. 

Department of Education / XXXX  Balance XXXX Last updated XX/XX/XXXX I have called over 7 times in 2 weeks ; spending 25-43 minutes per call in an effort to have Equifax report and update accurately and timely. The vendor has verified the update was provided and all other bureaus updated as of XX/XX/XXXX. I have been told an internal investigation was created only to learn on a follow up call that it was not. Conflicting in Equifax Internal complaint number filed XX/XX/XXXX case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I wrote to the creditors above requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from any of them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting act Convergent Accounts XXXX XXXX account # XXXX, XXXX 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 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 2022-03-17 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I wrote to the creditors above requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from any of them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
This company has been ripping me off since 2002. I have been paying on this for 20 years and the balance has never gone down. I have read now the navient loans from when I borrowed have been canceled? I have tried to income based repayments. I have submitted the paperwork to them multiple times. Navient does not care. My balance has always gone up. I need some clarification on whether mine should be canceled from this time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Lewis & Clark Capital LLC
State: IA

Complaint narrative:
Sent a text at XXXX am asking for a payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent a certified request to Transunion disputing the inaccurate reporting on my report from XXXX. Transunion updated my report and removed the inaccurate information in XX/XX/XXXX. However, I have noticed AGAIN, Transunion has allowed for the false reporting. 

I am requesting the removal of the derogatory reporting from US Department of Education XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX. 

According to the correspondence from XXXX, XXXX began servicing a XXXX XXXX on XX/XX/XXXX which is and has always been in good standing. However, according to the credit bureau Transunion, XXXX continues to falsely report servicing my loan effective XXXX, with negative reporting in XXXX, XXXX and XXXX. 

I have enclosed a copy the letter from XXXX, to me regarding said loan, and unless you can provide valid proof to support otherwise, I request that you immediately cease and desist inaccurate reporting practices and delete the false information outlined in this document form 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 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
PHH Mortgage is our mortgage provider. Our loan was purchased by the company in XXXX  from our original mortgage provider. Our mortgage is escrowed for our taxes and insurance. We have never missed a payment and have always paid our mortgage in full and on time. 

On XX/XX/2021 I noticed that our escrow disbursement for property taxes did not match the quarterly tax bill sent by the city- it appeared to be underpaid by {$630.00}. I immediately called the company to report my concern. I was reassured that the bills were being paid through our escrow and it was not a concern. Not believing this to be the case, I followed up with an email ( provided ). I was told to mail a copy of my tax bill, which I promptly did, but received no response. I followed up and was informed ( now XX/XX/2021 ) that it was not received and instructed to email the bill instead. After emailing the bill, I did not receive a response until I followed up on XX/XX/2021. 

On XX/XX/2021, I received a notification from the company that the tax team followed up with the city and that they confirmed taxes were not owed until XXXX but failed to answer my initial question. I followed up to reiterate the question and was told that the company handles the escrow and provides a " cushion amount, '' dismissing my question. 

In XXXX we received a notice from the city that we were delinquent on our taxes. We followed up with the city immediately to learn that PHH had not been paying our property taxes. Upon a call to PHH we were told the payments had been paid. At this point we threatened legal action which elevated us to the escalations manager. 

In late XXXX we learned that our property taxes had been dispursed to the incorrect parcel starting in XXXX. From the city 's perspective, we are now significantly delinquent in property taxes, owing over {$9000.00}. 

PHH Mortgage has been working on the case since XXXX. We have been told that they will be refunding our escrow and will be covering the interest due and additional fees from the city. Every week I receive a phone call updating me on the case, with the only update being that there is no update. 

In XXXX, we received a notice from the city stating that if our property will be placed on the market in XXXX if the taxes are not paid. 

We have called PHH Mortgage on a regular basis to speed up the process, but it seems to be going nowhere. 

We are first-time homeowners who feel frustrated, terrified, and unable to pay for a lawyer. When our mortgage was sold to PHH - I read the reviews on the company and considered refinancing. I wish we had.

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 2022-03-17 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-03-17 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: FL

Complaint narrative:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XX/XX/XXXX. 2021 my wife and I purchased an automatic dishwasher from " XXXX 's '' and were told if we put it on our XXXX 's charge we would get a 5 % discount. so that is what we did ( Charge was {$950.00} ) and when I received my next XXXX 's they were charging me interest on my purchase, which we had never received. My question is how can a company legally charge for a product and services they have not supplied. The dishwasher was not installed until XX/XX/2021 at XXXX. Also this is not the First time this has happened to us from XXXX 's another time we purchased XXXX counter tops and they were paid for ( On Charge account ) and never installed until until XXXX the following year, the whole time they were charging interest at 26.99 %. I guess shame on me for going back to XXXX 's I hope other people see this post to see what what XXXX 's is really about.

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 2022-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I reviewed a copy of my credit report and I noticed two fraudulent/unauthorized hard inquiries that needs to be removed from my credit report. The inquiries to be removed are listed below and I will also like to add that I was a victim of the XXXX  XXXX data breach. 

1. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 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: TX

Complaint narrative:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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:
Over the course of 30 days. I have filed a dispute in regards to inaccurate and false information on my credit report. My first dispute was XX/XX/XXXX. Experian, is still reporting these incorrect items. According to the fair credit ACT, section 609 ( a ) ( 1 ) ( A ) they are required by Federal Law to only report Accurate information and the have not done so. They have not provided me with any proof i.e. and original consumer contract with my signature on it proving that this is my account. Further more Ive provided an FTC report showing this account is opened without my consent, proof that XXXX has removed this fraudulent account on XX/XX/XXXX, and a credit report that shows only Experian Credit Bureau reporting this 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 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I previously notified Wells Fargo that they were processing fraudulent transactions which attempted to debit my company 's checking account on complaint XXXX. These transactions appear to be coming from their credit card division which appears to have insufficient controls and/or is not following industry best practices to prevent fraud. 
The result of that complaint was Wells Fargo told me that there was nothing they could do to stop fraud routed through their credit card division. Since that date, 3 additional transactions have attempted to debit my account. I'll attach a file of the amount, the date of the transaction, the ACH trace number, and the included ACH payer id of Wells.

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 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I recently received a Citibank credit card in the mail that I never applied for. Today I received a notification via personal email that I had a current balance on this card of {$7400.00}. I NEVER APPLIED FOR THIS CREDIT CARD, NOR WAS THE CARD I RECEIVED IN THE MAIL EVER ACTIVATED.

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 2022-03-17 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:
Ive been contacting transunion for months sending letters on top of letters and they have refused to remove incorrect information from my credit report. I have provided with all documentation ids and identity theft affidavit & they still refuse to remove the incorrect inquiries and accounts from my credit report

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