vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
your agency reported this derogatory account without following the federally mandated procedures, your agency has bypassed your mandated allotted timeframe to respond and failed to validate the debt, as well as the several other violations mentioned above. Reportthatthedebtisdisputed and remove this account from my credit files. I will file civil lawsuit against any and all companies and/or agencies that assist XXXX in continuing to violate my Consumer Bill of Rights, Fair Debt Collection Practices Act and the Fair Credit Reporting Act that cause undue, unjust and derogatory effects to my credit. I will bring acivil lawsuitagainst XXXX XXXX statecourt. I will prove XXXX XXXX violatedtheFDCPA. I will collect {$1000.00} in statutory damages, and more since you have negatively affected my credit score after I have been diligent in maintaining a high credit rating and have suffered harm from your violations. This account has been removed 4 times and has bypassed the allotted timeframes. They never validated this debt and can not come back 5 collection agencies later and multiple collection agencies at the same time and still attempt to collect an an incorrect amount with an incorrect account number with incorrect information with invalidated information. This is ridiculous to do this every year. Mind you all these letters are certified and proof that your agency removed this account MULTIPLE times in 5 years And keep adding it back

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 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
This is about XXXX or XXXX complaints I have put in of Fay Servicing. I have submitted about XXXX applications for assistance and have been denied or given the run around for over an year or more. I submitted an application XX/XX/XXXX and was told my application was not complete due to not having home owners insurance. Again, this is the XXXX or XXXX application I have sent in to loss mitigation each time I send in the requested documents. Pay stubs, death certificate of borrower, etc and mortgage placed home insurance and I attached the declaration page. This round I was informed everything was accepted except I need home owners insurance. My concern is out of the XXXX times I submitted I have submitted the same forms and I need to show copy of my personal home owners insurance. This was never ever mention in the 3 times I submitted an application. I have also attached the mortgage placed declaration page which expires in XXXX. Why now all of a sudden it's a request. I'm trying to retain my home and the fee to bring it current is now almost half of the balance of the home. Please let the record reflect that I have written numerous complaints in on Fay Servicing in regards to saving my home since XXXX. I have not been assisted in any way form or fashion. I have completed a trial payment plan and denied loan modification, but my money was collected and no approval of loan. I keep requesting for a higher authority to contact me possible from CFPB so I can provide proof of fraud from Fay servicing. I don't want to lose my home to foreclosure as I have not been assisted in XXXX years of asking for help. The mortgage company is committing fraud to homeowners. Please someone in the bureau look into the previous complaints I have sent in and contact me. I have evidence of the fraud and misleading information. I'm going to fight for my home and have it documented everywhere I can the help Ive beem seekinf for XXXX years. No one is winning, because there is no payments been made and if I was approved for a loan modification payments could have been made this year. Why is Fay Servicing not offering help? Why am I being lied too again? Why was my {$3700.00} ( may be off a few dollars ) taken by my account manger XXXX XXXX and said an exception would be made and I would been offered a loan modification. This was is XX/XX/XXXX. It has been 8 months and nothing has happened. This could been 8 months of payments. Please look into the criminal acts being done to innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This summer my card number was stolen. XXXX fraudulent charges were made before it was detected. I told the card company that I had not made any of those charges and they closed the card. 

Only XXXX of the charges were reversed. XXXX has remained on there despite me calling to file complaints at least XXXX times and also submitting online fraud form XXXX other times. Finally it was dropped off after all of that activity. 

Today I received a letter that they had completed their investigation and found that the activity is valid. Now they are rebilling the charge THAT I DID NOT MAKE again. The card was not physically present since I had it in my possession. And it was consistent with the other charges made that were reversed.

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 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that it's removed.

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 2021-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that its removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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:
XXXX, Equifax and XXXX are reporting some fraudulent account s on my credit report. Here are the list of the fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Suntrust rearranged transactions in the checking account to obtain overdraft fees holding deposits and rearranging deposits to gain more fees they also ran transactions through when card was locked and approved transactions that should haehvbeen denied so they could illegally obtain overdraft. Overdraft protections were off

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 2021-09-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has been contacted dating back to XXXX. Even the data breach at Equifax included me when I entered my ss # last four. I didn't receive compensation eventhough I am a victim of identity theft dating back XXXX. 
I called Equifax about an error teporting of XXXX XXXX XXXX XXXX and has cost me in at least XXXX in loss, opening of new credit, purchase of new vehicle when credit was checked this document from Equifax dated XX/XX/XXXX stated it wasn't being reported but I was told by the bank Equifax was still Reporting the negative account on my credit report not to mention it cost me job opportunities too. I called Equifax too violating my FCRA RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Monday XX/XX/2021 at XXXX I went into the bank to extend the use of my credit and the back denied me the use of my credit by sending me a denial email at XXXX. I spoke to them about TILA and me being the Consumer extending my credit for my personal, family, and household purposes and the bank told me that they dont follow TILA or Regulation Z. I called the bank at XXXX the same day to speak to them again speaking the same with the same denial results. I also told them I wanted to use the instrument I signed to draw against the interest on the instrument to pay them the interest to defer the obligation and they say they know exactly what Im talkn about, but they dont do that. I asked them what a loan was according to the law or at least TILA and they said when they extend credit to 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 2021-09-28 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: DISCOVER BANK
State: WA

Complaint narrative:
On JulyXX/XX/2021, I pulled my credit report from XXXX and immediately discovered that my identity was compromised. I filed a police report, an identity theft report, dispute with the credit bureaus, and sent letters to all of the creditors. 

All of the creditors in question removed the fraudulent accounts except for Discover Bank. They are refusing to acknowledge that I am a victim of identity theft. All of the accounts were opened when I was a minor child, approximately XXXX years old. Discover Bank was sent numerous documents validating my age at the time they claimed the account was opened yet they refuse to acknowledge the documents and refuse to remove this account from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 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:
I attempted to get some information validated on my credit report. The credit bureaus have yet to respond to me or validate any of the information i have disputed.

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 2021-09-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I attempted to get some information validated on my credit report. The credit bureaus have yet to respond to me or validate any of the information i have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: GA

Complaint narrative:
XXXX, XXXX and TranUnion are reporting some fraudulent account s on my credit report. Here are the list of the fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}

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 2021-09-28 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: GA

Complaint narrative:
Experian, XXXX and XXXX are reporting some fraudulent account s on my credit report. Here are the list of the fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}

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 2021-09-28 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: VA

Complaint narrative:
Disputed debt that is being reported to bureaus as inaccurate and requested to validation from bureau and company, company have not sent any sent anything that validates this debt is mine, I have never done any business with the company and nor am I aware of amount they saying is owed. Ask for more verification from them and bureau and its still being reported incorrect and investigation from bureau responding once as verified and that is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
RE : Dispute Barclay XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXXXX I am writing this letter to let you know that I have disputed the information with XXXX XXXX and Barclay Bank remaining on my because it is outdated. I am requesting they be taken off my report because the First Dates of Delinquency on both the Barclay Bank ending in XXXX and XXXX XXXX account # XXXX XXXXXXXX XXXX are XXXX  XXXX as shown on my XXXX, XXXX and XXXX reports dated XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX ; this is correct The date of first delinquency was XXXX  XX/XX/XXXX, which means the account should be removed XXXX  XX/XX/XXXX. Yet all 3 bureaus All 3 bureaus are listing the date of first delinquency is XXXX  XX/XX/XXXX which is incorrect, and tbureaus have the removal date for these accounts as XXXX  XX/XX/XXXX which is incorrect ; the correct date of removal should show XXXX  XX/XX/XXXX. 

I have requested and disputed this continuosly. But all 3 bureaus keep saying the dispute is settle although the date is wrong. I am requesting assistance in getting these accounts removed from my credit bureau reports based upon the first date of delinquency XXXX  XX/XX/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 2021-09-28 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: Consumer Adjustment Company Incorporated
State: VA

Complaint narrative:
Disputed debt that is being reported to bureaus as inaccurate and requested to validation from bureau and company, company have not sent any sent anything that validates this debt is mine, I have never done any business with the company and nor am I aware of amount they saying is owed. Ask for more verification from them and bureau and its still being reported incorrect and investigation from bureau responding once as verified and that is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: VA

Complaint narrative:
Disputed debt that is being reported to bureaus as inaccurate and requested to validation from bureau and company, company have not sent any sent anything that validates this debt is mine, I have never done any business with the company and nor am I aware of amount they saying is owed. Ask for more verification from them and bureau and its still being reported incorrect and investigation from bureau responding once as verified and that is not correct.

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 2021-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Paid the company {$21.00} to XXXX ; however, TSI still shows that I owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: MO

Complaint narrative:
I have been sending letters regarding inaccurate and unknown things on my credit report. To this day over 60-90 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. I have sent proof that items are not being PROPERLY verified and still NOTHING! Section 611 ( a ), it plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted promptly. I demand these account be deleted immediately or I will file for litigation due to the stress and depressive state I have been put in because of this. My information was also impacted by the equifax breach and may have gotten into the hands of the wrong person. These people are being paid to report WRONG, NEGATIVE information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I was the victim of fraud with XXXX. The thousands of dollars was charged to my PayPal Credit Account. I have spent countless hours on the phone with XXXX and PayPal. PayPal is not reachable, the phone menu goes in circles and ends up with over 60 minute hold times. On the rare occasion someone does answer the phone their accent makes it possible to understand them. I am unable to log in or use the app for the last several months. The website and app continue to give me error messages and will not allow me to change my password. I still have no idea what has happened after 9 months!

I do know that PayPal has reported me late to the credit bureaus 3 times as a result of this mess. I demand that PayPal remove all negative 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 monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: TX

Complaint narrative:
I originally was pre-approved with Better Mortgage for a mortgage up to {$540000.00}. That fell to {$330000.00} after a hard credit check. I thought that was settled since they continued with the process as if they had approved the loan. I proceeded with the process to purchase the home as if the loan was secured. ( See attached paperwork ). 
At the very last moment, Better reversed course and declined the loan. 
They gave no reason at the time, but an email I received 3 weeks later states that one of those reasons was due to too many hard credit checks. 
They are one of the companies that performed several of those hard credit pulls. My credit score fell 100 points from XXXX ( good ) to XXXX ( poor ) overnight for no foreseeable reason after they reversed their decision. I didn't open any new line of credit and I wasn't late on any payments. I know that I make more money and have ( or had ) a better credit score than many they extend larger mortgage loans to. 
I believe that Better may be engaging in discriminatory practices based on a protected class covered under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
my chase freedom unlimited credit card account was closed on XX/XX/2021 because they said that I had to many accounts open recently/ to many authorized users on my account. 
I recent have had issues with chase regarding this issue on XX/XX/2021 where they closed my account for adding authorized users to my account. so I called around to different bureaus about this matter and they advised me that I was well in my rite to add authorized users to my account.on XX/XX/2021 I received a call from chase stating that I did nothing wrong by adding my family members/and tribe members to my credit card account and they reopened my account and increased my limit from 99 authorized users yo unlimited authorized users and advised me that my account would not be closed for adding authorized users so what I did was I had them draft me a letter stating that I now have access to adding unlimited authorized and that my account would not be closed for doing so. on XX/XX/2021 chase closed my account for the exact reason they did back on XX/XX/2021 for adding authorized users so with this complaint I would like to get my account back open and get this matter resolved

Company response to consumer: Closed with explanation