vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 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: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NY

Complaint narrative:
In XXXX of last year I applied for the Student Loan debt relief as well as to receive an immediate refund for payments made during the Covid-19 period ( Totaling {$5900.00} ). On XX/XX/XXXX I checked my account and saw that my balance is back to its original value after ive made payments towards it for the past 2+ years. I reached through email support and was told " The refund request is still processing. By refunding your payments we will re-open the loan ( s ) on your account and there will be an outstanding balance on your loan ( s ) ''. After several months of not getting any updates I noticed that my balance was now {$0.00} on the loan but that was because the loan servicer was changed in XXXX of XXXX. From there I called my loan provider several times between XXXX and now to ask for a status of my refund. I was always told that it is processing until one day I was told that my refund was released to me by mailed check back in XXXX of XXXX which I never received. When I first put in the refund request I was told it will be refunded to me the same way I've made the payments which should have been a direct transfer to my bank account. I advised them I never received a check in which they said they need to audit my refund check to see if it was ever cashed and if not they would send it again. I called several times for updates up until XXXX of XXXX when I was told that I need to call the Dept. of Edu. as they are the ones processing the refund. Between XXXX and now I called the Dept. of Edu. 4 times for an update, the first 3 times I was told that it was still processing but the 4th time I was told by the rep " You need to speak to your loan provider because the dept. of edu. does not handle refunds '' I explained to the rep that my loan provider was who advised me to call them and that I was able to get a status of the request the past 3 times I called. The dept. of edu. rep still insisted this has nothing to do with them and that they have no way of checking any statuses for refunds. At this point I'm very frustrated with the situation as it has drastically been affecting my livelihood as with the increased debt on my credit report has lowered my credit scored and made it very difficult in my search for an apartment rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: Early Warning Services, LLC
State: CA

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 U.S.C 1681. Has Violated my rights. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 1681c ( a ) ( 5 ) Section States : no consumer reporting 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-08-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/2023 Charged 2 XXXX XXXX airline tickets on newly opened Bank of America XXXX XXXX XXXX master card credit card {$2100.00} Bank thought it was fraud, so on their own, they canceled the tickets with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 
BofA claim number XXXX Later, BofA changes their mind, says the charge is valid, and wont reverse. XXXX XXXX says they were never paid and won't reverse the charge or issue a credit... 
So now, I paid {$2200.00}, have no airline tickets, no flying credit, and BOfA wont reverse charges, and XXXX XXXX claims they were never paid for booking reference XXXX... 
Please help, they wont

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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Relay Financial (US), Corp.
State: CA

Complaint narrative:
I purchased a product from a vendor that turned out to be defective.I reached out to the vendor who simply gave me the runaround. I have kept all emails of those discussions. 

Since the vendor was uncooperative, I have been attempting to file a dispute with Relay Financial for over a week now. Their customer service is pretty much non existent. I began a dispute on their website and it directed me to call an XXXX number to file a dispute, after I called this number, which was just an automated system, it hung up on me. I called again and chose a different option to file the dispute and it redirected me to another phone number that told me that no one is available at this line despite it being during normal business hours. I reached out to the parent Bank, XXXX XXXX XXXX XXXXXXXX, and they also gave me the runaround. 

It is very frustrating to not be able to file a dispute for a product/transaction that is serving me no purpose. This was my final recourse.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I took a loan out with loanmart in XX/XX/2016 and put my vehicle up for collateral. I was late with a payment and they came and repossessed my car. The loan was for {$2500.00} and the XXXXXXXX XXXX XXXX was worth at least {$5500.00} XXXX XXXX XXXX After they took possession of my car they say I still owe them all of the loan. I have tried to reason with them and they are crooks. My current balance on my credit report from XXXX with Loanmart is {$22000.00}! I have tried to dispute it with XXXX but it hasn't changed, it is killing my credic score and has for a long time. I am at a loss, I don't believe I owe them anything loanmart came and got my car!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 

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

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 2023-08-22 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have my bank automatically send my mortgage payment to my mortgage company, Mr. Cooper. My bank shows all payments since the start of the mortgage have been accepted by to mortgage company. The mortgage company has stopped applying the payments to my loan since XX/XX/2023 and has sent me a letter threatening foreclosure. The only means to contact them provided by them is a phone number that is answered by an automatic answering program. This program does not have any options to address the lack of applying my payments to my loan. When I ask or try to talk to one of their representatives the program hangs up the phone. The web site also does not provide any way to address this problem or to talk to a representative of their company. This appears as an attempt to force me to refinance my loan at a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: WA

Complaint narrative:
Goods not received I ordered 2 products on XX/XX/23 from 2 different sellers. I used my PayPal account to pay for each item. It appears that PayPal combined both orders into one transaction. The products ordered were a wooden gazebo kit & a vinyl storage shed. PayPal states the one merchant who was selling the gazebo kit shows a XXXX delivered confirmation receipt w/ a receivers name of XXXX. Both of the items I ordered were from the XXXX XXXX in the XXXX. Logistically it is impossible to get the two items to my home address by the dates PayPal is providing. I live on an XXXX in XXXX Washington. We do not have a land link to the mainland of WA State. We must use a WA State Ferry to drive to the mainland. Logistically all durable goods must come out to our island by boat or air. I did NOT receive either of these two items. I did not sign the XXXX delivery receipt. The one seller PayPal contacted says the delivery receipt is signed by XXXX. I live alone & all 6 of my neighbors do not know this name nor do they know anything about such a large delivery made to my home address. I am dutifully making the payments to PayPal for the charges of {$920.00} in 6 payments. Currently I owe the balance of {$320.00}. I spoke w/ PayPal today & they said if I can get proof from the XXXX contractor here on XXXX XXXX XXXX the packages were not here on XXXX XXXX nor were the packages delivered PayPal will reopen my claim. So now I have to drive into town, XXXX XXXXXXXX, & see what I can find out how XXXX XXXX ( XXXX delivery contractor ) for XXXX XXXX XXXX ) can help me. Is there any help your agency can provide to help me get the two items I ordered or have PayPal issue me a refund? I am a XXXX XXXX XXXX lady trying to remain compliant with my PayPal account. Yet PayPal will not listen to me. Very few businesses will not deliver large products to our Island because there are no mainland roads. Additionally XXXX will not accept heavy packages, more than XXXX lbs. the wood gazebo kit weighs over XXXX lbs. I am a an XXXX lady who lives alone on a very rural island.

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 2023-08-23 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: I.C. System, Inc.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2023-08-22 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: MI

Complaint narrative:
Improper credit reporting

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 2023-08-22 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: GA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX XXXX endorsed a check made out to myself and PNC Bank N.A . The check in the amount of {$71000.00} was mailed out via overnight with XXXX. The issue is the check was for home repairs due to damage from hurricane 's Ian and Nicole. PNC bank was fully aware that I'm not responsible for the mortgage note but I am the primary on the homeowners insurance. The person responsible for the mortgage passed away last XX/XX/XXXX. PNC bank illegally sent the funds that were issued in my name and there name in the name of the deceased, that was not primary on the insurance. I XXXX XXXX XXXX have followed the proper protocol and have signed the necessary documents, stating the funds will go to the repairs of the home. I had absolutely no problem with them sending partial payment and requesting inspections be done. I spoke with several employee 's and none them seem very competent enough to handle the situation, especially since they can't seem to return phone calls and put you on hold for 45 minutes to an hour " RESOLUTION DEPARTMENT ''. This is absolutely horrific!! I've been to the branch several times hoping they were able to endorse the checks seeing as I have no business with them but when I was informed about the proper steps I would have to take, I did what was needed and they did what they wanted. My family and I have been fighting with the insurance company, which we are in litigation right now and the sad thing is I truly did not want to have to fight with PNC Bank to. The house is uninhabitable and we are living in our pool house with our three dogs. PNC is fully aware of the situation and not to mention we have contractors scheduled to start work but no funds to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MA

Complaint narrative:
Spring Oaks Capital LLC responded that they are sending me documentation that they have of the account that I disputed, all that they are providing is a contract with the original creditor, and account statements, first of all I do not or have I ever had a signed contract with Spring Oaks Capital LLC, if they are claiming that they bought this debt from the original creditor. I want to see the contract that they are claiming that they have, I want to see my signature on the contract. Copies of account statements do not prove that this debt is mine, if we have to go to court, which I am willing to, I will ask that my lawyer asks the court to demand Spring Oaks Capital LLC to show me the contract that obligates me to pay them the amount that they are asking for, the contract that they have comes from the original creditor and I am sure that my signature is not on that contract and again, I do not have a signed contract with Spring Oaks Capital LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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