vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I further attempted to reach out send more follow up letters I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.

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 2022-05-18 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$18000.00} Status Accou FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$18000.00} Status Accou FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Midwest Loan Services, Inc.
State: CA

Complaint narrative:
In the begininning of XXXX 2022 i made a payment on the online portal because this bank ( Midwest Loan Services ) doesn't send out statements or email notices regarding payments. I was given a confirmation that the payment went through however it never posted to my account but i never received a call or notice that the payment wasn't received. On XX/XX/XXXX i made an additional payment for the payment which was due on XX/XX/XXXX. i thought i was making the payment for XXXX but it was posting as the payment that they never received in their system for XXXX. on XX/XX/XXXX i called in because i went to view my online account and it was showing 2 payments being due. I made the 2 payments over the phone with the rep and that's when i finally found out they were showing me as 30 days late which was not the case. They had an issue with their computer system and my payment never posted. They don't send statements or give any updates on email etc about the account so i was completely un aware that the account was showing delinquient. This was an issue on their end and never once have i missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Id was stolen and I have never been able to get these items removed from my report. I hope you guys can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Debt was already paid months ago and they keep being deceitful by validating debt through disputes submitted through the bureaus and lying without checking with the original company please see documents

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 2022-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XX/XX/2013 when I first went in to get information about XXXX University & decided to signup due to the information that was provided to me at the time from the school itself, the admission counselor completely mislead me into believing that they offered student loan help and assured me that based on my income at the time which was none, I would not have to pay any loans because I supposedly was able to qualify due to my financial status in that moment. Sometime after graduating I started to notice on my credit report that I owned over $ XXXX in student loans for an XXXX XXXX XXXX of XXXX  years in XXXX XXXX XXXX for which I was completely manipulated & groomed by the counselor to not dropout the school & to get into their XXXX XXXX  due to the fact that I wanted out so they suggested I just had to change to a different program. I was completely misinformed & gaslighted into the program. My credit report shows many inconsistencies for all off the loans that the school signed me up for. At this time I've been trying to fight for years to get these student loans removed from my credit due to the misinformation that was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: EIC Enterprises
State: AZ

Complaint narrative:
I found myself in dire need on XX/XX/22 of a loan and was very aware of the outrageous interest rate. However, I knew I could pay the {$770.00} loan back immediately, so 3 days later I called to pay the loan off. I reviewed the amortization schedule they included with the contract and I knew the interest accrued daily at a very high rate. But, when I called to make the payment on XX/XX/22 they refused to process it until Friday, XX/XX/22 when the first payment is due ; adding that I would need to pay {$890.00} on XX/XX/22, a whole {$110.00} more, even though I called 3 days in advance to pay it in full! I reviewed the amortization schedule again and on Friday when the first payment is due the amount of interest that would be accrued will be {$110.00}. There is NOTHING in the contract they provided me that states they will not process my payment same day. What they are trying to do is refuse to process my pay off the same day, in order to collect the interest accrued until Friday, which at the time was 3 days away, PLUS the full payment. I have NEVER heard of anyone refusing to process your payment the SAME day you make it!! Also, I'll add that the contract states there is no prepayment penalty. I asked to speak with a manager and was placed on hold for an extended period of time. When XXXX finally got on she was extremely rude, would not listen to my concerns and kept speaking over me. I did not give her the pleasure and I kept talking. She then had the GALL to hang up on me!! I called back several times after and no one answered the phone. Finally, around XXXX a rep answered and attempted to transfer me to a manager but no manager ever got on the line. After spending nearly my whole day trying to resolve this, the rep states someone would call me back. I received a call at XXXX but when I got to my phone they had already hung up. I called back and got a very weird voicemail and as of XX/XX/22, nobody has returned my call. Next Loan Lending is extremely predatory and they are the biggest crooks I've ever dealt with! They've been reported EVERYWHERE I could think of, so NOBODY has to go through this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2022 payment was sent to XXXX & XXXX XXXX Synchrony bank to pay off the balance for the amount of {$340.00}. 

Included in the check amount was a copy of the statement and the payment was mailed to the processing center XXXX XXXX XXXX XXXX, Florida XXXX. 

For some reason, the check was returned stating the company did not know how or where to apply the payment. A copy of the statement was included so there should be no discrepancy.

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 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had {$6900.00} on my BofA EDD checking aact/debit card. I stupidly left the funds in that account and my account was hacked, where they completely cleared out my account. This happened at the end of XX/XX/XXXX. 
In XX/XX/XXXX, I received {$2800.00}. 
Since XXXX of XXXX, Ive been waiting for the rest of money in the amount of {$4100.00} I have talked to numerous BofA claim department representatives and 3 supervisors from XXXX XXXX XX/XX/XXXX. They had told me the person who initially filed the claim didnt enter them correctly because the system has a limit on how many claims you can make. The hacker made over XXXX charges in the amount of {$.00} cents. Apparently their system can only handle up to XXXX, so the rest were not properly imputed. They told me they had to redo my claim ( they told me this in XXXX of XXXX. ) but my claim has been at a halt since then. No progress has been made. I call and check in on the status, around every 3-4 weeks and they tell me the same thing every single time. That they are working on it and that all they can do to help me is file for missing credits. They file for missing credits each time I call and it has gotten me no where. Each call I make is pointless because they just tell me they cant do anything about it and there is zero progress on my claim. At this point I feel like I will never get all my money back, which is so wrong considering how much money I am out of. Dealing with BofA on this matter has been horrible! ***my BofA account name is under XXXX XXXX XXXX maiden name ). The name I have created an account on this is under 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 monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION
State: WI

Complaint narrative:
PenFed offered a {$250.00} incentive to open a checking account. The incentive wasn't paid. There was a condition that 3 consecutive loan payments had to be made from the new account, which I did. The first payment did not come from the new account, although I had set this up in online banking to come from the new account. The fact that it didn't was an error on PenFed 's end, and the customer service rep that I talked to acknowledged that, and said it won't affect the incentive payout. I even paid the loan one month ahead to stay compliant with this requirement. When it came to receiving the payout, PenFed refused to pay, citing the 3 payment requirement that hadn't been met. Their statement is not only incorrect, but also doesn't own up to their own mistakes.

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 2022-05-18 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: GA

Complaint narrative:
I am submitting this complaint on my owner behalf to address issues sighted on 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 non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Good evening, Im making this report in regards to a previous PNC bank account. I literally only had the account for about a month in XXXX, one night I was out partying & lost my cards. Not even two days later, I was notified of an amount deposited in my account of about {$2500.00}, that was immediately taken out. I contacted PNC to dispute the charges and report the fraud & they canceled the card and sent me a new one. A few weeks went by, and they sent me a copy of the fraudulent check that was deposited. The check was from a restaurant that Ive never worked at and had my name on it. I notified them once again & asked why it hasnt been disputed or any further action, they told me all they could do is close my account. I just received notice that the debt is to be collected in my name. The debt collectors told me to make a legal report & then they can dispute it. I figured that PNC would make notice considering the amount of times Ive called and visited but they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: TX

Complaint narrative:
My Id was stolen and I have never been able to get these items removed from my report. I hope you guys can help 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 explanation
Consumer complaint received 2022-05-18 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:
My Id was stolen and I have never been able to get these items removed from my report. I hope you guys can help 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 explanation
Consumer complaint received 2022-05-18 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: NC

Complaint narrative:
Good evening, Ive tried to settle my debt with XXXX XXXX XXXX to settle debt to improve my credit but instead of me being able to pay they informed me I no longer owed them they had sold my account to XXXX  XXXX, account number # XXXX. Also, the debt amount owed by XXXX XXXX XXXXXXXX XXXX and amount owed by XXXX XXXX  which is on my credit report are two different amounts. I did not receive any kind of notice nor give consent to share my personal information. On XXXX XXXX the Account name is named is XXXX XXXX XXXX and on Experian XXXX XXXX  which is another inconsistency with my credit report. 

In accordance with fair credit reporting act XXXX XXXX XXXX account number # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Thank you, 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 explanation
Consumer complaint received 2022-05-18 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: AZ

Complaint narrative:
have had identity theft I did a dispute multiple times and i was denied relief and just sent a generic letter saying that I did the dispute in error, then I asked for them ( each credit bureau ) to send me the proof that it was me that opened the accounts that where opened fraudulently. Equifax XXXX and XXXX refuse to remove these accounts that are fraud and will not share why they are being validated. these are the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 604 A section 2 states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instruction. 

The account opened XX/XX/2020 Amount {$2500.00} During the time at the XXXX at XXXX Apartments I recently moved in with my mom, I was still in High School with no job. I was told I was signing a list of people in the home come to find out I was tricked into co-signing a lease. I didn't pay not one bill but my name is on the lease I've been trying to get this disputed for over 2 years now. It says its a joint account and been trying to move it to my moms since it was hers. I have called to get the documents showing a signed anything but the XXXX XXXX XXXX  gave me the run around.

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 2022-05-18 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 604 A section 2 states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instruction. 

The account opened XX/XX/2020 Amount {$2500.00} During the time at the XXXX at XXXXXXXX XXXX I recently moved in with my mom, I was still in High School with no job. I was told I was signing a list of people in the home come to find out I was tricked into co-signing a lease. I didn't pay not one bill but my name is on the lease I've been trying to get this disputed for over 2 years now. It says its a joint account and been trying to move it to my moms since it was hers. I have called to get the documents showing a signed anything but the XXXX XXXX XXXX  gave me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: WA

Complaint narrative:
This needs to be sent to XXXX, XXXX, TransUnion. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 62 % of this account is paid off Balance on XXXX XXXX, XXXX {$3600.00} Original loan amount {$9600.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type XXXX XXXX In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. Once a debt is past the statute of limitations, debt collectors can still attempt to collect on these debts, but they can not file a collection lawsuit .XXXX  XXXX, XXXX. If a collection agency calls about an old debt that you think is past these limits. This account is past these limits and also this was reported without my knowledge. This is bringing down my credit and should be removed from my credit report this reported to all three credit agencies and should be removed from all of them. This needs to be sent to XXXX, XXXX, TransUnion.

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 2022-05-18 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: LA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTER CXXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2. I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITH OUT 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