vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have a loan that TIAAXXXX XXXX was servicing and was sold to XXXX. 
Loan # XXXX I made payments to TIAA for XXXX, XXXX and XXXX of {$780.00} for which they did not forward all of them to XXXX. I have tried numerous times to resolve this with TIAA who says that they did not receive the payments and referred me to their " Payment Research '' department who has not been helpful and not provided me a direct dial number to resolve this situation, even after directly asking them. I have spoken with TIAA customer service about the issue and they have made notes on the account, but still no resolution. 
I have sent them documentation from my online bank portal and my bank has faxed them supporting documentation regarding my claim, but they will not provide me timely insight on the process or status updates. 
I am within 7 days of my grace period and this needs resolved ASAP. 

My bank has faxed other documentation directly to XXXX XXXX regarding this matter that I was not copied on so I am attaching the files that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: GA

Complaint narrative:
I have lived in XXXX al of my life and i have never filed bankruptcy. I believe someone else has been using my information. I have used my credit before but no one ever told me i had a bankruptcy until recently. i have included the accounts in this complaint i also will list the fraudulent addresses that are listed on my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: GA

Complaint narrative:
I have lived in XXXX al of my life and i have never filed bankruptcy. I believe someone else has been using my information. I have used my credit before but no one ever told me i had a bankruptcy until recently. i have included the accounts in this complaint i also will list the fraudulent addresses that are listed on my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA 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 2022-03-25 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: PA

Complaint narrative:
My name is XXXX XXXX and i am submitting this complaint without any influence from a third party or Agency. Please see attached Documents and ID as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below has violated my rights. 
XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX US Dep Of Edu - XXXX Us Dept of Education - XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TX

Complaint narrative:
My daughter and I purchased two pieces of furniture from XXXX XXXX XXXXXXXX ; a table with 4 chair stools ( {XXXX} ) and a Buffet Cabinet ( {XXXX} ) along with {XXXX} protection plan and tax {XXXX} for a total of {XXXX} on XX/XX/2022 using Synchrony XXXX card. Both items were delivered but the buffet cabinet ( {XXXX} ) was defective, so we rejected it and it was sent back to XXXX XXXX. The buffet cabinet listed on the invoice as the Console with 4 Mirror Doors was defective which we have video proof of, it was never accepted into my home. We only kept the table and chairs. We filed a XXXX complaint against XXXX XXXX because they were trying to charge for furniture we never accepted into our home and do not have possession of even now. We got the runaround trying to get the correct invoice. Finally through XXXX XXXX XXXX XXXXXXXX XXXX sent a corrected invoice, {XXXX}. We called Synchrony Bank, we have told them that the invoice of {XXXX} is incorrect. I was told it would be corrected. It still has not been corrected. I sent them an online message on their website along with the corrected invoice attached to the message to please correct the account balance to reflect the correct amount. Synchrony Bank is still charging me the amount of XXXX which is incorrect even by the XXXX XXXX invoice that I have also attached to this complaint against Synchrony Bank. I have also cancelled the Protection Plan with XXXX XXXX and have requested cancellation and refund. I am filing this complaint because I have not been able to get Synchrony Bank to fix this and charge me only for the products/merchandise that I actually purchased and received. Please see the attached invoice and please correct my Synchrony Card balance. 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 monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I never attended the school. The loan was processed and disbusted to a school that I never attended. 

XXXX XXXX Subsidized 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 explanation
Consumer complaint received 2022-03-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.

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 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom it may concern ; To make a long story short...

Just looking for a {$400.00} promotion credit that we have definitely qualified for.

To prove this - after hours of searching ; we found the original offer and fine print.

Wells Fargo stated we received a promotion years ago.

That is true.

However the fine print ( Paragraph 3 ) clearly states as long as we havent received in past 12 months.

Also we were told we could open online.

Plus with COVID many branches are closing much earlier than hours indicated.

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 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since I have submitted my First complaint about this issue, Bank of America sent me an email to address my issue they did not include a call back number only a deadline to speak with them for XX/XX/2022. I had to research to find the number to return the call and I have called XXXX  times and left a VM for the representative XXXX has not called me back. I keep getting first ring VM. This complaint here is to verify I called and emailed B of A per there request in response to my complaint XXXX. 
XXXX  XXXX  XXXX Fri, XX/XX/XXXX, XXXX PM ( 7 days ago ) to me XXXX XXXX, Thank you for contacting XXXX  XXXX  of Bank of America . As your XXXX  XXXX  I welcome the opportunity to address your concerns. 

I am your point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2022 to confirm that information. My days and hours of operation are Monday through Friday, XXXX a.m. to XXXX p.m. XXXX. 
Please note that if we are unable to reach you to discuss the resolution to your concerns, we will be responding in writing via a secured email or standard mail. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number below and I or one of my colleagues will return your call within 48 hours. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX Bank of America C- XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX there was a credit inquiry made on my report by American Express XXXX. I did not authorize this inquiry, nor did I or any one that I know give permission for this inquiry. This inquiry is fraudulent and is being investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-25 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: NJ

Complaint narrative:
I pay my parlance on my credit card always and I explained this to trans union XXXX and every month they do the same thing they lowered my scor and then ask me to pay money to raise my score so they do that on purpose

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I receive at least 3 calls from this company daily, including weekends. Years ago I signed up for this service. I was assigned to someone and sent them all the paperwork requested. The next month someone else called me saying the previous person had left the company and asked me to again resubmit all the paperwork I had submitted the month before. The next month the exact same thing happened and, you guessed it, the 4th month the same thing. Nothing was EVER done to improve my credit and after 4 months of paying for a service they never supplied, I cancelled my contract with them. When I answer I tell the caller they dont have my permission to record me, which usually confuses them and they continue to record our conversation, and I have to explain to them ( which they should already know ), that in California they need my permission and Im not giving it. One man said hed make a note, which obviously didnt happen, and they hang up. However, they have continued to call me from every state ( at least thats what the caller I.D . says ) everyday and they refuse to stop. Im never using them again. I owe them nothing because they breached the contract. And yet, they continue to harass me. Any help to make this stop is greatly appreciated, since nothing I have done has stopped them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I went to XXXX XXXX credit bureau XXXX to check on my credit report for any typical fraud, and i found his Sunrise Credit Services XXXX with this XXXX XXXXXXXX put on my credit report a loan for collection which I have never found myself took any loan like this from no one. I have contacted that agency by using my cell telephone with this number XXXX XXXX XXXX, the agent was very rood, and shut off the telephone on me with no response. 

Thank you for your help. 

Sincerely ; XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have reached out to the debt collector and their lawyers. Nobody can give me information. I have not received written communication about this debt only communication is whats on my credit report. Please verify the debt because this false accusation are violating my consumer rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: MO

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, the accounts listed below has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX 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
Consumer complaint received 2022-03-25 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: TX

Complaint narrative:
I have XXXX XXXX XXXX credit card and I pay the bills every month regularly. we receive paper bills from mail. my account no with them is XXXX. 

I didn't receive my paper bill in XX/XX/XXXX ( may be lost by mail USPS ), so didn't make a payment in XXXX as I was not aware of any payments. But when I received the bill in XX/XX/XXXX, I paid in full around {$160.00}. but they charged me interest of around {$36.00} for late payment. I wrote a letter to them explaining the situation that I never received the bill in XXXX and I paid it off when I received the XX/XX/XXXX bill. I even called and explained to them the situation. But they would not cancel the interest charges. so I closed the account in XX/XX/XXXX. 

But to my surprise, they reported me to Equifax credit reporting system as delayed payment. and kept on charging me interest which is now {$110.00}. I called capital one again on XX/XX/XXXX and tried to work out with them about deleting the late payment and cancelling the interest charges. they told me that even though they understand the issue here but they wont chage the credit reporting or cancel the interest. 

we are a well to do family and my husband is a physician, so we don't have issues paying our bills. we always paid our bills regularly without any default. in this scenario, we didn't receive the bill in the mail to pay it off. 

so please help me to get the late payment off my Equifax record and cancel all the interest charges on the closed account

Company response to consumer: Closed with explanation