vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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:
I disputed all accounts that were opened using my information as fraud to all 3 credit bureaus. They advised me to file an FTC fraud report with each account number & submit back to them via fax to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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:
I disputed all accounts that were opened using my information as fraud to all 3 credit bureaus. They advised me to file an FTC fraud report with each account number & submit back to them via fax to have it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I opened a Lowe 's credit card in XX/XX/XXXX. I maintained the credit card with a low balance and made regular, on-time payments. On XX/XX/XXXX I was in the retail store attempting to make a purchase and the card was declined. I knew I did not have a maxed out balance, so I contacted customer service and was told that my account was closed on XX/XX/XXXX. I asked to speak to a supervisor because there was no reason for my account to be closed. I still carried a low balance and I was paying on-time, more than the minimum amount due, so the account showed current activity. Additionally, this significant change was made with out any prior notice to me as a consumer. I am rejecting the closure of this account and I am filing a complaint against Lowe 's for unfair business practices. They do not follow consumer protection guidelines as laid out by the CFPB. Closing my account this way has damaged my credit score, and doing so at a time when consumers are still suffering from the effects of COVID 19 shut-downs, job loss and other economic hardships shows that Lowe 's engages in unethical business practices.

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 2022-04-25 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The 3 credit bureaus told me to file a fraud complaint with the FTC in order to get these items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XXXX was unresponsive when trying to cancel their services. After 11 months I realized the services that were promised were never delivered. They promise a home warranty service in which appliances and major issues within your home would be replaced if deemed to not replaceable. I had an issue with my AC and was told by one of their repairmen it would cost a lot of money to clean the outside vent. 
I was charged {$99.00} for the repairman to tell me I had an issue. 
If you see their reviews you will see that this company is a SCAM. 
After attempting to call their toll free numbers and waiting on hold for up to 6 hours, their number ( s ) would hang up on me. As soon as I placed a stop payment through my bank, I started to receive harassing phone calls. However, calling customer service is a nightmare if you are trying to cancel their service. Its as if they know that you are. 
The collection is now 3x the original amount. 
I attempted to cancel their service in XXXX of XXXX. 
Last ACH Debit was XX/XX/2021. 
The original amount bill was {$44.00} and now it is {$130.00} I should owe nothing. I was not on a 12 month contract. There was no contract signed. No cancellation policy in place or sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: IL

Complaint narrative:
On XX/XX/2022, I sent a letter to XXXX and Transunion notifying them about the inaccurate information on my consumer report. Until now I didn't receive any response or any result of their investigation. I feel frustrated and I am in distress this matter has affected me from getting access to different forms of credit which I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2022-04-25 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: 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 un 15 U.S.C. 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 an account without my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make a 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 7 years. 

XXXX, XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  : Account # 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 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/XXXX There was a fraud charge on my discover credit card which was disputed, but never reversed. 
In XXXX I was effected by the pandemic where I lost work and could not afford to pay my bills. Therefore my credit card defaulted. I disputed but derogatory remarks never was removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, Transunion, XXXX has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States have the right to privacy These addresses do not belong on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX, Equifax has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States have the right to privacy These addresses do not belong on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: FL

Complaint narrative:
The 3 credit bureaus told me to file a fraud complaint with the FTC in order to get these items removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: FL

Complaint narrative:
The 3 credit bureaus told me to file a fraud complaint with the FTC in order to get these items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: FL

Complaint narrative:
The 3 credit bureaus told me to file a fraud complaint with the FTC in order to get these items removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax and XXXX will not take a dispute online, try to call get no response.reporting incorrect balances on 2 accounts, reporting incorrect credit lines, reporting 11 % credit usage, using less than 3 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX and XXXX will not take a dispute online, try to call get no response.reporting incorrect balances on 2 accounts, reporting incorrect credit lines, reporting 11 % credit usage, using less than 3 %.

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 2022-04-25 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: SC

Complaint narrative:
The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ) and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164 ). 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Only reported to Transunion & XXXX XXXX I have a right to privacy under 15 U.S.C. 1681 Section 604 A Section 2 of the act, stipulating that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: SC

Complaint narrative:
The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ) and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164 ). 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Only reported to XXXX & XXXX XXXX I have a right to privacy under 15 U.S.C. 1681 Section 604 A Section 2 of the act, stipulating that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
My home was in forbearance for XXXX XXXX during XXXX. I started receiving letters from XXXX XXXX XXXX that I needed to start back making payments after the end of forbearance XX/XX/XXXX. I was told my payment would be XXXX ( this not the exact amount because I cant remember the exact amount. ) I notified XXXX that I had divorced my husband on XX/XX/XXXX, XXXX and I had legally changed my name back to my maiden name if XXXX XXXX XXXX requested documentation of the divorce and my name change which I did. When I received my loan modification paperwork they had my then ex husbands name on the paperwork with a new payment of XXXX and some change. Each time I would receive new loan modification there was still name errors on the loan modification. This continued up until XX/XX/XXXX when my ex husband died. XXXX requested his death certificate which I provided. This loan company could NOT get this straightened out with my name change and removing him from the loan papers. I would call XXXX each month which during this time my new house payment kept changing by increasing. The last loan modification I received was XX/XX/XXXX which showed my payment to be the XXXX payment due XX/XX/XXXX which I didnt receive until the first week of XXXX. Today I became completely fed up with the underwriters handling of my loan modification so I called XXXX and spoke with a person who kept talking over me so after 20 minutes I hung up. I later called back and spoke with someone when the phone began to have so much static I could not hear anything she was saying. The next thing I know I was put on hold. After 35 minutes I hung up. I called back later and spoke with a call taker. She advised she saw that my payment is XXXX due XX/XX/XXXX. She told me she was going to put me on hold to talk to someone in loan modification when after 44 minutes I hung up. I do not think I should have to pay a higher payment due to their incompetence and the interest rate increasing. This has been a complete nightmare!

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 2022-04-25 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXXXXXX XXXX ) XXXX, XXXX XXXX XXXX INQUIRY, XXXX XXXX XXXX INQUIRY, XXXX XXXX INQUIRY, has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
In XXXX of XXXX XXXX XXXX  solicited and encouraged me to enter into a hardship plan during the Covid-19 Pandemic, offering a 3 moth deferred payment plan, with the promise of a loan modification or deferral of past due amounts to end of the loan. A month after accepting the offer they transferred the account to Shellpoint Mortgage Company. Shellpoint immediately placed the account into default status and began threatening foreclosure. Additionally, they contracted with another company who changed the locks on my property and alleged to winterized a home that had been previously winterized. 

After filing a complaint with your agency in XXXX of XXXX Shellpoint honored the agreement made with XXXX and my account was returned to good standing. However, Shellpoint has consistently denied me access to the property even though there are no outstanding balances on the property. Every attempt since XXXX to gain access to the property, as recently as XX/XX/XXXX has been met with the same statement. We are escalating your your request and someone will be in contact with you within 24-48 hours. The return calls never happens, in spite of the monthly mortgage being paid and in spite of advising their customer service reps and supervision that the calls were being recorded and that I would be contacting an attorney As a result of being locked out of my home, I have been unable to assess any damage rendered to the property by Shellpoint representatives or lease the property to interested parties. However, my phone is inundated everyday with callers seeking to purchase the property. 

XXXX and Shellpoint 's handling of this property has caused substantial stress and severe mental anguish as every attempt to conduct routine business results in unproductive phone calls no less than 1.5 hours. 

As I stated in the XXXX complaint, XXXX XXXX  and Shellpoint mortgage seems to be complicit and nefarious in their actions with consumers, with a common goal of seizing the properties of unsuspecting people. I strongly urge a full investigation into their day to day interactions with consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit report act Comenity bank/ XXXX, XXXX XXXX XXXX XXXX XXXX credit card has violated my rights.

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

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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:
In accordance with the Fair Credit Reporting act XXXX  Account # : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief