vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
CEO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Connecticut, XXXX, United States XXXX : XXXX XXXX, Senior Specialist Corporate Consumer Relatons Synchrony Bank XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX This is NOT a complaint, a query, a request for a statement/agreement and is NOT to be treated as one. By doing so, you will agree to pay {$5000.00} in damages. 

Do not refer to me as Mr/Mrs/Ms or any title, which is a legal fiction and is not me. 

By doing so, you will also agree to pay {$5000.00} in damages. 
Re : Account/Credit Card/Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX. 

I wrote to you on XX/XX/XXXX requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date, to validate the debt, will constitute your agreement to the following terms : 30 1. That the debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under The Fair Debt Collection Practices Act. 

Yours sincerely, By : Sovereign XXXX XXXX ' XXXX Authorized Agent and Representative for XXXX XXXX XXXX No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT RECOURSE NON-ASSUMPSIT Calls maybe recorded

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 2022-01-07 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: MD

Complaint narrative:
After reviewing my report i noticed someone used my name and social security number without my permission. There are inquires i did not consent to on my report. I submitted an Identity Theft report with the FTC and sent it to Experian. Attached FTC report with inquires from 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 
Please delete these unauthorized entries. They do not belong to me

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 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fay Servicing, LLC
State: MS

Complaint narrative:
My husband died in XXXX I was left with too many bills for me to handle alone. I filed bankruptcy in XXXX chapter 13 And because our home was only in my husbands name XXXX gave me a really hard time and was attempting to foreclose on my home. After completing the bankruptcy in XXXX and finally getting a modification my loan was placed with Fay servicing for payment. 
Since then Ive worked on my credit and raised my score considerably, however Fay servicing has refused over and over again to report my on time payments for the past 5 yrs In the beginning they said they thought I filed a chapter 7, so I sent in a copy of my filing to prove it was a ch 13. Then they said because I filed a chapter 7 in XXXX Before my name was on the Morgage and my husband and I were separated and living apart They determined that they would not report to the 3 credit bureaus. 
However 2 months ago because I sent them proof my name was not on the Morgage until XXXX and I filed a Ch13 in XXXX they told me they would begin reporting and they were sorry about the era. 
Now we are back to square 1 again~ Please help me ~ Ive talked to an attorney and was informed what they are doing is not ethical at allXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint with CFPB on Equifax. The complaint number was XXXX. I received an email response from CFPB on XX/XX/XXXX that Equifax was still working on my issue. Equifax emailed status updates and the completion of all 6-7 disputes that I submitted. All disputes were closed and completed in 1 day or the same day it was submitted ( see attachments ). The disputes were closed XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX when Equifax representative advised CFPB representative that they were still investigating my disputes. XX/XX/XXXX, I received an email from CFPB that my complaint was closed due to the to the request of Equifax advising that they would respond to me via mail. 

This is my second time I have returned for assistance from CFPB within 2 weeks. Unfortunately, I am unable to get any resolve with my issue with Equifax. They lied to CFPB that they were still investigating my complaint to have it closed. They are very intentional with being unavailable to help or assist consumers. This behavior is unacceptable and not tolerable. 

My credit score has been impacted significantly and created a hardship on my family. There is a bankruptcy listed on my credit report under Public Records that should not be on there at all. There are several payments that ONLY SHOW THE SCHEDULED PAYMENT BUT IS MISSING MONTHLY PAYMENTS AND THE ACTUAL AMOUNTS THAT WERE PAID. I have never missed a payment and pay a lot more than what the minimum is and its not being reported. Both of which effect the credit score. I have a small business. I was denied business loans because of my credit and debt to income ratio, denied two mortgages, job opportunities ( Tax Auditor with Government ), and high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( Experian, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an XXXX XXXX XXXX Opened XX/XX/XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that conta My identifying information is as follows : Lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX As proof of my identity, I have included copies of my birth certificate, Social Security card, drivers license, an If you are unable to verify the account with the original contract, the information should be removed from my c Sincerely,

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 2022-01-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX XXXX I was going over my credit report and I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES ACT to help protect the integity of my credit. I was needing my following accounts to refected a current status due to the impact of COVID-19 : XXXX XXXXXXXX XXXX XXXXXXXX ( 30DAYS ), XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX 30days ), XXXX XXXX XXXX  # XXXX ( XXXX 30days ). 

I have addresses showing that do not belong to me. I never lived at these addresses please delete:XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX XXXX I was going over my credit report and I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES ACT to help protect the integity of my credit. I was needing my following accounts to refected a current status due to the impact of COVID-19 : XXXX XXXX XXXX  XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX  XXXX ( XXXX 30days ). 

I have addresses showing that do not belong to me. I never lived at these addresses please delete:XXXX  XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX OH, 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 2022-01-07 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2022-01-07 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 explanation
Consumer complaint received 2022-01-07 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was a fraud transaction on my Wells Fargo Credit Card on XX/XX/2021. My Card was used to make an unauthorized purchase of {$2000.00} at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I received the fraud alert from Wells Fargo on phone. Immediately I freeze my credit card and requested a new credit card. I opened a fraud claim with Wells Fargo for the same. Later wells Fargo posted this transaction to my statement and denied the claim. 
I submitted re-consideration and submitted following documents to the bank through FAX and also documents were sent to them to their po box Number : Copy of Police Report Copy of Text Message Fraud Alert Copy of Fraud reported to Credit Bureau Text message alerts from other bank where fraud happened at same time To my surprise reconsideration was also denied without providing explanation.

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 2022-01-07 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: DISCOVER BANK
State: MD

Complaint narrative:
I rarely use my Discover card anymore because their customer support no longer supports their customers. 

In this case, I bought a computer processor that turned out to be defective. The merchant, XXXX, does not respond to customer complaints and does not resolve issues with their sellers ' shipping defective merchandise. 

In this case, I received a defective CPU processor. I contacted XXXX to report the issue, and XXXX 's automated response was to disregard the issue. I opened a dispute via Discover, and after a few months, Discover came back siding with XXXX. 

I would not raise this issue other than Discover has made no attempt to contact me or request additional information regarding this issue. It would appear that Discover simply does a a cursory attempt to contact XXXX and accept any excuse provided to close the case. 

This is not the first time Ive had issues with Discovers customer support not conducting thorough investigations for disputes, but it is finally worth escalating, even if it is over a {$27.00} purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: MD

Complaint narrative:
After i reviewed my credit report i noticed some entries that i did not authorize. I submitted an Identity Theft Report with the FTC and sent it to the CRA 's. I did not give my permission for anyone to pull my credit nor apply for anything. Please delete the inquiry entries i did not authorize : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: MD

Complaint narrative:
After i reviewed my credit report i noticed some entries that i did not authorize. I submitted an Identity Theft Report with the FTC and sent it to the CRA 's. I did not give my permission for anyone to pull my credit nor apply for anything. Please delete the inquiry entries i did not authorize : 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 2022-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I have been denied access to online services for years with Shellpoint Mortgage Servicing. I had my single point of contact changed and was given the wrong contact information by my previous single point of contact. After multiple unanswered emails and multiple attempts to contact the new single point of contact by phone ( left detailed voicemail messages ) I now months later have not been contacted once by the single point of contact. I received a document stating my loan had been taken over by a new servicer in early XX/XX/2021 but when I contacted them they said they had never had my loan or myself as a client and none of my information was in their system. I was informed that even if my loan were serviced by them for a single day that my information would have been on record with them. I again received a different document stating my loan had been taken over by a new servicer less than two weeks from the first document in early XXXX and this servicer had no contact information and is not listed on any XXXX searches and the document stated to contact Shellpoint for customer service but again no one answers or returns phone calls or emails. I was advised to contact my mortgage servicer to find out about my eligibility and enrollment in the XXXX XXXX Relief Program but without any communication from Shellpoint I have gone deeper into the deadline to save my home from foreclosure. I contacted Fannie Mae but they offered no solution. I am without financial means to hire an attorney and need help to save my home from the predatory loan servicing practices of Shellpoint. I have documentation, Emails, recorded phone calls, XXXX  reports, and phone records to support my case. Can you please help???? PLEASE!!!! I BEG YOU!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXXairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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