vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I mailed my disputes to transunion on XX/XX/2023. I received a computer generated response back from Transunion on XX/XX/2023. I contacted transunion by chat support and they gave me a form to fill out with my social and identifying information. After over an hour of chatting the refused to accept my mailed dispute and demanded that I dispute over the phone or by online portal. I told them I did not want to dispute online because it waives their liability. They are refusing to investigate and it is violating my rights.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
A hard inquiry was done without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: TX

Complaint narrative:
Unfortunately, I have been a victim of identity theft which has led to inaccuracies in my credit reports and driving records. 

I have sent checker important information that needs to get updated before I lose the opportunity to drive for XXXX. 

Until the DMV updates my files, I am allowed to use the Judges stamped court as a way prove my driving elegility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Third Federal bank reported a very small amount of {$5.00} 30 days late when payment was made exactly 30 days after the initial payment was due. I made a payment of {$320.00} on an estimate of rising interest rates, when the statement was later received, it was already too late to adjust the outgoing payment, so I added on additional funds to the next months payment to cover it understanding that it would simply cover the missing amount. The company has offered no remedy or leeway. I have never been late paying this bank or any bank for that matter and they have refused to offer a grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have been attending XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and was in the hospital for a month. I got out of the hospital and went back to school. I finished my courses and stormy was supposed to find a site for me to my complete my hours, but that was never done and Step stormy lied and said that she gave me a location and the text message you will see she never told me I can go to the location I reach out to the school to resolve the matter and they said I needed my XXXX certificate in order to be able to go to a dental location to complete my hours at the time. FCC did not have anyone to do the XXXX classes by the time they had somebody to do the XXXX classes I was not able to do it because I had to work so I went ahead and paid for my XXXX classes and sent a copy of it to XXXX who at the time was working there and then I was waiting to complete my hours. They had to try to find a location willing to except me I ended up waiting and waiting and waiting and had to have XXXX and doctor appointments. Eventually the XXXX Department of education got involved with FCC and told them that they were not allowed to enroll new students. FCC told me that I was considered a new student which I do not understand how when I was in rolled in my school had already been funded by financial aid as well as my loans. Ive already paid the school so now I am out of an education and a certificate, and they want me to pay money what I would like it for FCC to own up to this or the XXXX Department of education or a FFFA to own up to their wrongdoing and allow me to complete my hours so that I can graduate and be able to work in a dental office as I should I should not be penalized due to the fault of their employees, not doing their job and then trying to cover up their mistakes by making it seem like it was a student issue versus an employee lack of work ethic issue I have tried to reach out to everyone no one seems to be able to help me everyone points fingers at everyone no one ever answered after being told XXXX minutes wait

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ALLIED MORTGAGE GROUP
State: SC

Complaint narrative:
I spoke to the mortgage company mid XXXX to inquire why my mortgage payment was increasing so much. They stated it is due to my escrow shortage. I let them know they have the wrong amount for my taxes which was the same issue they had last year. They have my taxes at {$5500.00} which they paid last year on XXXX, XXXX, XXXX. A refund was issued for {$3700.00} on XX/XX/XXXX. They still have my incorrect tax amount and have significantly increased my payment. My correct tax amount is {$1800.00}. They will not review the most recent bill that is published on the tax website because they stated it was too old. I then provided an estimate directly from the county which they said they will not take because it is only an estimate. I was told the earliest they would resolve this is sometime in XXXX. This has caused my monthly mortgage payment to increase over {$400.00} dollars. 

The only resolution they offered was to stop my auto payment and wait till resolution. This is causing a large financial hardship with no resolution. I have already made two payments over the amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA
State: TN

Complaint narrative:
XX/XX/2021 I mailed the application to the Fed Loan Servicing address for {$5000.00} forgiveness for teaching in a low income school for five years. The envelope was returned in the mail with a sticker applied by the USPS - not deliverable / unable to forward. 

I uploaded the application digitally and XX/XX/2021 received an email saying my application was denied. My letter was in my fedloan.org paperless inbox. 

Fedloan.org is not a functional site anymore, and the reason for the denial has not been explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  per phone call XXXX, saying they added the Assignment of Mortgage in error, there is no Mortgage and XXXX has also acknowledged that there are not the Investor or Noteholder, So can you please explain how you feel this Assignment of Mortgage is Correct, and can you please explain on our Foreclosure documents you Show XXXX XXXX XXXX XXXX  is our Invester when they have sent several letters saying they are not the Noteholder and Investor. Please Explain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I submit 2 wire transfer and they deliver only one transaction they don't keep me update on the second one the client didn't receive the money and they check with they bank and tbere is no upcoming wire transfer from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: SC

Complaint narrative:
I divorced my husband in XXXX of XXXX. He remarried in XXXX. We had no accounts together after our divorce. Him and his new wife ran up their own debt and he passed away in XX/XX/XXXX. I received a notice that I owed {$23000.00} in XXXX credit card bills that were not even in my name. I do not owe their debt .I am assuming that letter I received in the mail may just be a scam but I am letting you know her

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN Original creditor XXXX XXXX XXXX : I received an alert from Experian regarding this collection earlier this year. This is not my account. I tried resolving and disputing with Experian but they failed to investigate as well as I tried multiple times to contact XXXX XXXX and they never answer or return my call nor have they even sent me any type of notice or proof that this debt exists. I believe that XXXX XXXX XXXX is trying to collect on an account that is not mine and Experian is not doing anything 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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Vehicle was repossessed XX/XX/XXXX. American Credit Acceptance sold vehicle XX/XX/XXXX. Account was charged off XX/XX/XXXX. Interest was accrued from XX/XX/XXXX to XX/XX/XXXX. Charge off amount is incorrect. Loan with accrued amount was XXXX and sold on XX/XX/XXXX for XXXX. If the charge off was on XX/XX/XXXX. Then it should be for the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-09-19 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
I ordered items from walmart.com a total of XXXX I never received the items and XXXX told me to dispute with my bank and they will refund my money. CASH APP never disputed my claim with XXXX they just denied my claim and when I asked for them to send me the documents on why it was denied the only thing they sent was a copy of my transaction with XXXX. I have tried to get this resolved but they keep saying the decision is final with no explanation. I contacted XXXX again and they said that my bank never submitted anything to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
When I went to check my consumer report I noticed There were accounts that I had no knowledge of the accounts were XXXX XXXX XXXX  and CREDIT COLLECTION SERVIC. I have never done any business with these companies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting 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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My Sams credit card issued by Sychrony Bank was closed because of fraudulent charges made on my account. The bank resolved the issue and settled the claim. After the account was closed, new charges which I did not make were added to the account which as of yet still have not been identified to me. I have had several frustrating phone conversations with the company regarding the issue. They continue to add interest and I finally sent a certified letter to CEO Sychrony bank dated XX/XX/2023. A signed return receipt was received and to date, XX/XX/XXXX, I have received nothing but letters harassing me about payment with no investigation taking place.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
1666a states A Creditor May Not Treat a payment on a Credit Card account, under an open end Consumer Credit Plan as late for any purpose, 1681a ( 2 ) a ( i ) EXCLUSIONS ; Report containing info solely as to transactions and experiences between the Consumer and the Person making the Report, Therefore my late payments, utilization and transactions are not included XXXX XXXX XXXX XXXX XXXX XXXX Accounts are illegally furnishing exclusive 3rd party transactions and experiences to the Consumer Reporting Agencies

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
1666a states A Creditor May Not Treat a payment on a Credit Card account, under an open end Consumer Credit Plan as late for any purpose, 1681a ( 2 ) a ( i ) EXCLUSIONS ; Report containing info solely as to transactions and experiences between the Consumer and the Person making the Report, Therefore my late payments, utilization and transactions are not included XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Accounts are illegally furnishing exclusive 3rd party transactions and experiences to the Consumer Reporting Agencies

Company response to consumer: Closed with non-monetary relief