vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Can not show original contract from creditor saying how much they are accusing me of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter on XX/XX/2022 and XX/XX/2022, in which I followed up on the public records status of bankruptcy, which is reporting inaccurately. In my letter, which is in accordance with the Fair Credit Reporting Act, section 609, I requested that you either remove the bankruptcy or send me ALL the following : 1. Method of Bankruptcy verification 2. Filing Date 3. Court name and person who provided the verification 4. Copy of the petition As of this date, the two responses, I have received, you have not validated nor provided me with any information requested, in the timely manner, therefore, in accordance with the FCRA, you are required by law to remove the reporting!

I have also provided a copy of the letter provided from the Bankruptcy court themselves confirming that they do not furnish any information to any agency, of any kind. If any agency is to obtain that information, its at their own discretion, but it must in fact be true AND accurate.

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 2022-08-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: DISCOVER BANK
State: RI

Complaint narrative:
Good afternoon- I currently have a second mortgage with Discover Home Loans in the amount of {$80000.00}. 
For over a year now, I have been not working but fighting with them to assist me in any sort of way. 
1 ) XX/XX/XXXX or so I submitted a hardship package due to my excessive monthly obligations. I sent in all the asked documents. 
2 ) On XX/XX/XXXX, I XXXX  XXXX  with XXXX  XXXX I was XXXX  and in XXXX  for 10 days. I was XXXX with XXXX. I was out of work for 2 months. 
3 ) I continued to send documents to Discover but every single month, they kept on asking for more documents. 
4 ) The loss mitigation unit never calls me or emails me but the Collection Unit calls me every 7 days guarantee. 
5 ) On XXXX the collection associate went over my financials. Once I told her how much I gave my local church in tithing- she suggested that I stop giving my tithing in order to pay Discover. I was very disappointed and frustrated because I felt as if she was getting in my religion. I asked for an official complaint to be filed. I would like to go on record with such actions including Social Media and news. 
6 ) She transferred me to the Loss Mitigation department who simply stated for to keep on sending bank statements and paystubs. 
7 ) Why has this case taken over a year? Why cant a Manager be assigned to my case? I asked XXXX XXXX ( my primary mortgage ) for assistance and within 30 days they had a resolution. 
8 ) it seems as if Discover wants me to give up on asking for help but I need help. I am a single father of 3 with a heavy financial burden. 
9 ) Its important to mention that XXXX  XXXX is in the process of helping but theyre also getting the same treatment. 
I will write a letter to corporate office to see if someone would have mercy on me. I would like this case to be escalated as high as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax VALIDATE THE INFORMATION REQUESTED Acct # XXXX you state verified that is a violation under the FCRA but validate this account, who you spoke to their name, Employ ID # contact information what was said in Detail both parties, any associates you may have talked to a copy of original contract with my signature, payment history date last payment, balance Equifax your name who did the investigation this account Employee ID # your contact information also you are reporting past due a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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:
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 that a consumer reporting agency can not furnish an account without my written instruction These rights have been violated by the following accounts being listed on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX  for over {$5000.00} and {$8000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX which was discharged

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 2022-08-15 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:
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 that a consumer reporting agency can not furnish an account without my written instruction These rights have been violated by the following accounts being listed on my credit reports : XXXX XXXX XXXX XXXX XXXX  XXXX for over {$5000.00} and {$8000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX which was discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2022 i called Wells Fargo to open a Dispute against XXXXXXXX XXXXXXXX XXXX XXXX. I had Reserved a room that was {$260.00} a night and non refundable. I booked it through XXXX. I was given the opportunity to cancel for {$130.00} so i canceled. i was still charged {$260.00} so i was going to Dispute {$130.00} the person i talked to when i opened it said they would submit it for the full amount. on XX/XX/XXXX they closed the Dispute favoring XXXXXXXX XXXX XXXX XXXX for the full amount and charged my card {$260.00} on XXXX XXXX XXXX i Called Wells Fargo and Explained that it should of been for half since i gave them proof that it was cancelled for {$130.00} XXXX talked to a manager. i don't have her name but she said it was confusing because it says no refund. i explained that the offer to cancel for {$130.00} out weighs the original agreement. She said she needed to review it with her peers and promised to call me back on XX/XX/XXXX but she didn't so i Called Wells Fargo on the XXXX and talked to a Rep that said they agree that XXXX should only charge half and they are reaching out to them to have them pay back {$130.00}. so i called on XX/XX/XXXX to see what is going on. they said they reached out to XXXX and haven't heard from them. I asked how long do they have and they said no time limit. so i asked what happens to them if they don't ever respond. she said they have to. so i asked what happens if they don't she said I don't know. so its not resolved and stressing me out and causing me to lose sleep.

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 2022-08-15 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: CA

Complaint narrative:
There is a company XXXX XXXX XXXX XXXX. whom is reporting a collection on my credit reports XXXX XXXX, Equifax, and XXXX is not removing this account in the amount of {$13000.00} i did not open this account the account was open fraudulently i reported this to the company i filed a police report and a FTC report and sent copies of the reports to this company they are refusing to remove this account from my credit report and are violating the fair credit reporting act. 

This negative account on my credit report is preventing me from getting a mortgage loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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:
In accordance with the fair credit reporting act XXXX  account 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 also states a consumer reporting agency can not furnish your account without my written instruction

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 2022-08-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy & Holthus, LLP
State: CA

Complaint narrative:
URGENT ; ILLEGAL TRUSTEE SALE XXXX by XXXX XXXX XXXX in XXXX XXXX : XXXX I own a valuable property in XXXX CA. I have in my possession the Court Ordered Final Examiners report from the Washington Mutual bankruptcy 2008. In this report is goes into great detail how XXXX Bank stole information from XXXX 's data room. XXXX was denied any further access once it was discovered they were acting in bad faith during the FDIC receivership. XXXX SOLD ALL ASSETS to a private bank in XXXX XXXX XXXX week prior to the FDIC take over. I have an audit showing XXXX attached the wrong loan and wrong loan amount to my property. XXXX bank is foreclosing due to this fraud. The claimed payoff is $ XXXX, when XXXX XXXX stated only $ XXXX was owed. I have tried numerous times to settle. I've demanded a full accounting to support the claimed debt and was told that's not possible. XXXX bank does not own the note, nor can they support the claimed debt amount. I'm asking for Arbitration of the CFPB to clear up this matter of fraud against me and my property that XXXX caused when they stole information from XXXX 's data room. 

Thank you XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX and financed with Kia Finance. Fortunately I was able to pay my loan off early. The final payment to Kia Finance was made to them by wire on XX/XX/2022. The wire payment was for more than the pay off by {$1200.00}. 
When paid, I called them and asked when the refund would be issued. They advised it would not be processed for 10 days. That put it to XX/XX/XXXX, which was a holiday, so I waited. No refund, I called again and was told it takes 30 days. Waited no refund. 
I called after 30 days to be told now it takes 45 days. No refund. My last call to Kia Finance was on XX/XX/XXXX, and was told it would take 4 working days. Still no refund. 
It is now XX/XX/XXXX and when I call, I can not even speak with someone their system says they are too busy to call back. The have had my money since XX/XX/XXXX, my contract was paid in full, I received the pinks slip just not my overpayment.

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My report is locked and unable to unlock it. Have spoken to several representatives and my report is locked. This is preventing me from getting approved for credit. Need my report to be unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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 has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction

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 2022-08-15 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:
In accordance with the fair credit reporting act XXXX account 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 also states a consumer reporting agency can not furnish your account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: TN

Complaint narrative:
XXXX XXXX XXXX XX/XX/2022 Loan # XXXX To whom it may concern : I was transferred over from XXXX Mortgage in XX/XX/2022, before I was transferred I completed my Loan modification in XXXX of XXXX Since then, Midland mortgage continues to say that my loan modification hasn't been completed and that they are waiting for the VA to accept the partial claim. I contacted the VA and spoke to the assigned representative handling my case. She advised that the partial claim has been completed and that Midland Mortgage should have all the information to update my account. However, every time I call Midland, they tell me that they are waiting for the VA. This delay has caused me stress and is delaying my refinance since I can't order a payoff until my account is updated to reflect the partial claim. I've spoken to multiple agents at Midland and asked to speak with a supervisor but they continue to tell me that my request is pending review. I have done everything on my end but I continue to get the run around from Midland. Please help me get this resolved so I can move forward with my refinance. 



XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2022-08-15 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: Synovus Bank
State: AZ

Complaint narrative:
I have filed a dispute in regards of the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am the trustee for my parents estate. I spoke with Costco Citibank to close my mother 's account on XXXX XX/XX/2022. 

Subsequent to the credit card closure, there were additional charges made on this account. This card had been set up for autopay from a checking account, and I realized the discrepancy when reconciling the monthly checking account statement. I do not have copies of the XXXX and XXXX statements to determine whether the charges were fraudulent or not. When I called to inquire, I was advised that documentation needed to be filed ( Death Certificate and the Certificate of Trust identifying me as the executor ) before anyone could speak with me. 

The documentation was filed on XXXX XXXX XX/XX/XXXX ( see attached letter ). On XXXX XXXX I received a letter from Citibank acknowledging they received my letter, but did not address my request for statement copies. 

Numerous phone calls have been since, all with a promise to expedite the request for the two XX/XX/XXXXstatements, and have not received anything. 

On XXXX XX/XX/2022 I spoke with the Probate Department again, and was advised that the area that would provide me the statements does not have a contact number ( phone or mail ), and the most they could do was to put in another request to expedite the request. I also spoke with Citibank Customer Service agent, and was advised they could do nothing to help me - that the Probate Department was the only entity within the company. I sent another written request for the statements, noting that if they were not received in 10 days a complaint would be filed with the CFPB ( see attached letter ).

As of this filing I have not been contacted by Citibank to resolve this issue. My hope is that filing with CFPB will prompt a resolution ; and five months is long enough!!

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 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 my ID, debit card, phone and 2- credit cards were stolen by force from three individuals. I reported this to the police and bank in less then 24 hrs. The thieves hacked into my Wells Fargo bank account and used XXXX to make a {$1500.00} transfer and a {$2000.00} transfer to themselves totaling {$3500.00}. My bank has declined my claim of illegally activity claiming the transactions were authorized.

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 2022-08-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter on XX/XX/2022 and XX/XX/2022, in which I followed up on the public records status of bankruptcy, which is reporting inaccurately. In my letter, which is in accordance with the Fair Credit Reporting Act, section 609, I requested that you either remove the bankruptcy or send me ALL the following : 1. Method of Bankruptcy verification 2. Filing Date 3. Court name and person who provided the verification 4. Copy of the petition As of this date, the two responses, I have received, you have not validated nor provided me with any information requested, in the timely manner, therefore, in accordance with the FCRA, you are required by law to remove the reporting! I have also provided a copy of the letter provided from the Bankruptcy court themselves confirming that they do not furnish any information to any agency, of any kind. If any agency is to obtain that information, its at their own discretion, but it must in fact be true AND accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: PA

Complaint narrative:
I only authorized one consolidation of my Federal Student Aid Loans, that was the consolidation of XX/XX/XXXX, performed by XXXX. ACS was no longer my student loan servicer. There were XXXX loans consolidated XX/XX/XXXX there were no more loans from XXXX - XXXX to be consolidated. This is fraud! 

There were no Federal Student Aid Loans or any other education loans after the consolidation of the ACS and XXXX Federal Student Aid Loans that were consolidated XX/XX/XXXX. 

XXXX began servicing my Federal Student Aid Loans in XXXX. 

There were no Federal Student Aid Loans or any other education loans to consolidate. 

I never authorized XXXX to consolidate any Federal Student Aid Loans, there were none to consolidate, this is fraud! 

Why has ACS been consolidating my consolidated loans again and again when they were not the loan servicer at the time of the XX/XX/XXXX consolidation ; there were no new loans to consolidate after XX/XX/XXXX? The only authorized Federal Student Loan Consolidation was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
First and foremost, I did not give permission for XXXX or any other company to give my information to any third-party agency. XXXX did not obtain permission to give my information to XXXX XXXX XXXX or Equifax. Secondly, I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, Equifax has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The Original Balance has always been reported incorrectly. Equifax did not do what is required, make sure that all information is accurate before placing it on my credit report as well as investigating all information when disputed. The wrong Original Balance was always reported wrong but Equifax refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights. I have uploading supporting documents to my complaint.

Company response to consumer: Closed with explanation