vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company is claiming that I owe a debt, but I have never had a relationship with XXXX XXXX XXXX. They are illegally reporting XXXX incorrect accounts to Experian, and this is affecting me tremendously. I sent the first letter on XX/XX/22, and the second letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that both EXPERIAN and XXXX XXXX XXXX received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. This is violating so many FCRA and FDCPA requirements. Also, both Experian and XXXX XXXX XXXX are in violation of XXXX. I never gave consent to the original creditor to share any medical information. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent XXXX months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove these accounts 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 explanation
Consumer complaint received 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-11-16 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: AZ

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Student loans were consolidated and transferred from XXXX to MOHELA with a completion date of XX/XX/22. 
Public student loan forgiveness tracking is still not updated. 
Spoken on the phone and with multiple representatives through the MOHELA chat feature and receive different information each time. 
It has been over 90 days since the transfer was complete and today I was told by a representative that I need to wait up to another 90 days for my payment tracker to be updated for a potential total of over 180 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
We have been filing for a XXXX XXXX assumption with PennyMac since XXXX of 2022. 
This has been a very frustrating transaction for both the buyer and the seller who are veterans and just want this loan to close. 
The mortgage officers in the assumption Department have completely disappeared on us numerous times, they have also repeatedly asked for the same documents over and over and then when we submit them they just disappeared on us again. No response to are phone calls or emails. We have reached out to management and filed several complaints. We are always promised to get a response but never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: AZ

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-11-16 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2022-11-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX are reporting serious delinquencies of XXXX  days or greater to lenders when there are no accounts that reflect a XXXX derogatory mark. This issue has been going on for over XXXX  months now. I have most recently written to Experian XX/XX/2022 ), contacted their disputes and member services departments, escalated the situation to managers, and opened numerous tickets to no resolution. There seems to be a disconnect between the employees that work for Experian, their process, and what am actually disputing. With XXXX, I have contacted customer care and tried to initiate a dispute. The issue is that there is no account to dispute. The information on the credit reports are accurate. What is not accurate is the reporting of serious delinquency by Experian and XXXX that does not exist on the same credit reports they are providing me. I have recently applied for mortgage financing and this erroneous serious delinquency is being reported to lenders and that is not reflected in my credit report. XXXX is the only agency reporting accurately.

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 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Ria Envia, LLC
State: UT

Complaint narrative:
On XX/XX/2022 I used RIA to transfer {$1500.00} XXXX, to my son XXXX XXXX 's bank account at XXXX Bank in XXXX. The funds never reached his account even though RIA says it was paid. XXXX XXXX Bank did a search and claims they received no transfers from RIA. I have contacted RIA many times without any satisfaction. Every time I call, I speak to a different person. They tell me they will call me back and never do. I went to XXXX a number of times to get help and they tell me they can do nothing. They even had the bad taste to tell me " someone was enjoying my money. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2022 XXXX I spoke to XXXX at transuion, he said he had a system error and wasn't able to remove i did not request a security freeze. i am applying for mortgage, WHen they asked me i wanted i said no this needs to be removed asap. Thanks

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 2022-11-16 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: CA

Complaint narrative:
On XX/XX/2022, my husband and I drove over and hour and a half to meet a puppy we were interested in adopting. We fell in love and on XX/XX/XXXX we paid money to adopt 'XXXX  XXXX and asked the adopter if it was not too much trouble if she could keep XXXX with his litter mates for 4 additional weeks as we were in the process of moving, our daughter was moving XXXX hours away to college, we were also selling our house and moving to be closer to her so our entire lives were in chaos BUT we were committed to keeping XXXX and thought since he has his littermates on the premises as well as his mother that 4 weeks would not be a problem. The foster mother agreed, happily. XX/XX/XXXX ( approximately 11 days after we paid for XXXX ) my husband and I agreed that we were going to take some time 'off ' from one another and separate now that my daughter is no longer living with us. Of course bringing another dog into this situation is not ideal, so I let the foster mom know, as well as the head of the organization that we would not be taking XXXX at this time. Of course I felt horrible, I profusely apologized and also let the head of the organization know that I would make a sizeable donation to the organization to help with any fees that had occured for the caring of XXXX. I know if one set of shots that I know that he had been taken to. I was told at that time that I would not get any of the {$500.00} that I paid for XXXX. I let my credit card company know. The head of the organization texted me that she held onto the dog for 4 weeks, which was incorrect. She had the puppy in her care for approximately 11 days before I cancelled. I did not want to cancel, it was not the outcome that I had anticipated but I don't think keeping a deposit for something I never took possession of to begin with fair. The credit card / bank initially sided with me and credited me back my money but eventually deducted the money and gave to her.

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 2022-11-16 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: AZ

Complaint narrative:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00}. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on Equifax, Experian & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, 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. The companies above has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, Affiant is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Southwest Business Corporation
State: LA

Complaint narrative:
In accordance with fair credit reporting act XXXX  XXXX  # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 explanation
Consumer complaint received 2022-11-16 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: Klarna AB
State: WI

Complaint narrative:
I made a purchase from XXXX on XX/XX/2022 for {$500.00} under order # XXXX. The order never shipped, so I cancelled the order, however, I was still charged for this purchase from Klarna and the full amount was deducted from my checking account. I contacted Klarna and explained that I cancelled the order and that I would like a refund for the purchase. They told me that I need to contact XXXX to resolve the issue with them. I then contacted XXXX and was told that they notified Klarna of the cancellation and Klarna is responsible for the refund of my order and that I would need to contact Klarna for a refund. Klarna and XXXX need to talk to each other to get this resolved. Neither company is taking responsibility and I would just like a refund of my {$500.00}. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I purchased a couch from Arhaus in XXXX and took advantage of a 0 % promotion for 2 years but chose to pay off in equal {$950.00} installments automatically through my bank over that 2 yr period but the last payment ended up less and I paid it a few days late. 


The Full Balance due was paid on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and interest was paid on XXXX XXXX XXXX XXXX XXXX XXXX XXXX in advance of the correspondence but they never reversed the Late Fee as granted below and continue to charge Late Fees and Interest to date on an account that had no balance due. 

In addition they continually delayed responding to messages in order to run up additional fees which now total {$91.00}. This is completely invalid as they received every dollar owed timely and this is simply a case of predatory & unscrupulous finance practices. 

The below is the correspondence I had with Comenity Bank on my Arhaus Credit Card. 

From : You Sent : Wednesday, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX To : Comenity Bank Subject : Late Fees or Finance Charges Message ID : XXXX Good morning I'd like to respectfully request a courtesy waiver of the late fee and interest charge on my account last month in the amount of {$29.00} & {$2.00} respectively. I have made all payments timely since I have been a cardholder in XXXX and was only late due to the fact that I was aware my final payment was less than the monthly I had been paying since inception of the account. Once I was aware of the amount the payment was made in full immediately. 
Please advise if you will accommodate. 
Kind regards XXXXX XXXX From : Comenity Bank Sent : Saturday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. 

We credited your account. 

We're happy to let you know that we have credited a {$29.00} late fee to your account, as a one-time courtesy. You can expect to see the credit applied to your account in 2-3 business days. To avoid further late fees, please make sure we receive at least the full minimum amount due by XXXX XXXXXXXX XXXX on your scheduled due date. 

This late fee credit is dependent on making your next payment on time. 
If you fail to make the minimum payment due on or before the due date, this late free credit will be reversed and a new late fee will be assessed. 
Thank you for your loyalty and have a great day. 
If you have any questions, please click the reply button. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I had a repossession in XXXX and now there is a debt collector is garnishing my bank account for a total amount of {$26000.00} for a XXXX XXXX XXXX. I contacted XXXX XXXX and they do not have anything of a debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX medical collection agency, and XXXX XXXX XXXX XXXX my HIPPA rights by sharing my personal information with the credit bureaus. While XXXX removed the accounts, XXXX and Experian both refused.

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 2022-11-16 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: CA

Complaint narrative:
XXXX and TransUnion are reporting serious delinquencies of 60 days or greater to lenders when there are no accounts that reflect a XXXX derogatory mark. This issue has been going on for over 6 months now. I have most recently written to XXXX XX/XX/2022 ), contacted their disputes and member services departments, escalated the situation to managers, and opened numerous tickets to no resolution. There seems to be a disconnect between the employees that work for XXXX, their process, and what am actually disputing. With TransUnion, I have contacted customer care and tried to initiate a dispute. The issue is that there is no account to dispute. The information on the credit reports are accurate. What is not accurate is the reporting of serious delinquency by XXXX and TransUnion that does not exist on the same credit reports they are providing me. I have recently applied for mortgage financing and this erroneous serious delinquency is being reported to lenders and that is not reflected in my credit report. XXXX is the only agency reporting accurately.

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