vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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: Synovus Bank
State: OH

Complaint narrative:
On XXXX an account with First Progress was open this account is not mines. This company add derogatory marks on my credit report that is inaccurate. further doing my own research I found out on XXXX  that my credit score with down XXXX points cause of this inaccurate reporting. Also, I would there is No contract, or signature, or written communication between me and this company that states this deibt is mines. According to the FCRA ( First Progress ) have violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: IA

Complaint narrative:
A condo questionnaire is a form sent to a condo development by a lender when a potential borrower applies for a mortgage. The questionnaire allows the lender to determine if the condo meets its requirements for a loan. If the requirements are met, the lender can in turn consider providing a loan to the condo buyer. XXXX XXXX, the president of XXXX XXXX XXXX, willfully misrepresented the condo questionnaire by stating there are no special assessments. Theyre currently {$1800.00} per owner of special assessments for roofing efforts. Per the impromptu attachment as you can see that these roofing efforts are ongoing. To make matters worse, shortly after she submitted that questionnaire to my lender, she had plans to put roof on her building, and is quite aware that the roofing assessment is not completed. Numerous owners have had requested financial documents such as tax returns, bank statements, and other documents such as contractor estimates. XXXX has refused, and I suspect the associated documents requested on the questionnaire, if theres a special assessment, is the reason why XXXX willfully lied on the questionnaire. This is a serious issue and a misrepresentation that forcefully rendered XXXX XXXXXXXX XXXX worthy of a loan from loan depot had I known they were special assessments I would not have purchased a condo. My mortgage Company and the company that sent the questionnaire is loanDepot, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. I think loanDepot should be held accountable for these will for lies and the misrepresentation, I am on a XXXX XXXX & a XXXX  mother and this was an egregious lie. 

Complaint against : XXXX XXXX, President of XXXX XXXX XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I visited XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX during visit I was advised that I need to do dental cleaning, I had dental insurance and I requested to check and confirm that the procedure will be covered by my dental insurance, XXXX XXXX XXXX representative checked and advised that insurance will cover, and my out of pocket expense will be {$150.00}, I paid the fee immediately with my credit card, signed an agreement, and schedule to perform the procedure on XX/XX/XXXX. 

On XX/XX/XXXX I came to do the procedure and was told that I need to do deep cleaning, I asked again if it will be covered by my dental insurance, and XXXX XXXX XXXX confirmed that it will, I performed the procedure. 

On XX/XX/XXXX I received a mail invoice to pay {$700.00}, I called XXXX XXXX and advised that the invoice is incorrect, that insurance should covered, XXXX XXXX XXXX checked, and advised that the procedure that they performed was not the one that is covered by insurance, I told them that I asked to check before they performed it if it will be covered, and they did confirm. 

If they would have told me that is not covered I would not have done the procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: NY

Complaint narrative:
I am a victim of identity theft

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 2022-11-21 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Alliance One, Inc.
State: NY

Complaint narrative:
They are trying to collect exempt funds refusing to stop there calling when told to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had ordered {$2500.00} of restaurant equipment through a reputable company called XXXX XXXX on XX/XX/ here in XXXX XXXX. The items weren't available upon pickup date so the business delivered them two weeks later. Upon arrival the business asked for XXXX as their credit car machine " wasn't working on weekends. '' So I sent {$2500.00} on XXXX  to the business ' bank account. 

Of the items purchased, none of them are in working condition. I have the invoice from the website with a picture of the item listing stating it is in " working condition. '' Commerical Fridge - Freon Leak ( have invoice from a licensed XXXX XXXX stating the fridge needs expensive repairs ) Patio Heaters- Glass tube in middle is cracked, missing top heat exchanger and bottom coil Vaccum Sealer - Item listed was a XXXX vacuum sealer, ( I think ) I received a XXXX as the company can't identify the one I have, and the sealing bar isn't working, preventing the entire machine from working, as it's an outdated machine, the part is on backorder and will take months to get here. Troubleshooted the issue since I had a licensed electrician and went back and forth with the IT department of XXXX to diagnose the issue with a multimeter. I attached a picture of what they stated was listed ( A vacmaster XXXX ), as you can see, the one I received isn't close to

the one in the picture. Chest Freez
er - Upon delivery, business owner said the hood of the freezer flew up on the freeway which broke the freezer hinges and the top won't stay closed without a weight on top of it. 

I have contacted the business and all they can do is " talk me through '' the problems with no further help or ability to negotiate getting my money back. None of the items that I purchased were in working condition per the company 's legal disclaimer stating they SHOULD work. 

So I then contacted Wells Fargo, made a claim on XXXX  and after 3 weeks, they said they can not do anything since it is a XXXX transaction and XXXX can't refund the money. I find this odd as Wells Fargo states XXXX is an " authorized '' company for them and they promote XXXX across all of their apps. 

I have pictures and videos of the equipment not working, statements from professional XXXX companies explaining the problem, and statements from licensed electricians explaining the other issues.

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 2022-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
Loan Origination/Information Date ( s ) 1 ) XX/XX/XXXX for {$24000.00} with an interest rate of $ 13.5 % over 180 months. 
Balance is now {$41000.00} XXXX ) XX/XX/XXXX for {$25000.00} with an interest rate of 11.375 % over 180 months, Balance is now {$36000.00} I'm still in school ( had XXXX XXXX in XXXX causing me to miss quite some time ), and had no idea they began charging interest immediately. My major is XXXX as a XXXX XXXX, and I'm taking one class, and am a XXXX XXXX currently. I will be a XXXX XXXX for the XXXX XXXX to complete my education. My grandmother is the co-signer of the loan. She is XXXX, in poor health and on a fixed income, and is XXXX XXXX XXXX  When She calls in, she can never get through the verification process, and Sallie Mae will not help me unless they speak with her ( she's in Tennessee, I'm in Maryland ). I CANT AFFORD this much money for ONE YEAR of college, and I have requested several deferments but get declined. They are reporting me as delinquent to the credit bureau ( went from a XXXX to XXXX in one night ) -- they are ruining me financially. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion continues to list an address -- XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ, XXXX -- where I have never lived.

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 2022-11-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Years ago when I opened up my own XXXX account the letter of acceptance with XXXX after I already opened up my own account said I had XXXX but once I got XXXX and Experian on my XXXX account it transferred my XXXX to a full portfolio of XXXX scores around XXXX could you fix this please

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 2022-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NORTHWEST BANCSHARES INC
State: OH

Complaint narrative:
Northwest Bank had my auto loan. I received XXXX bills in XXXX, XXXX normal and XXXX with a large lump sum. I called in and the representative told me not to worry about it and took a normal payment from me. This is noted in their accounts. This is also the last notation any employee has made. I was contacted in XXXX asking me why I am making small partial payments for a lump sum bill. When I told them about my conversation in XXXX and the payment I made then I was told that I was incorrect and that it did not happen. The lump sum for a " lapse in insurance coverage '' from a company called XXXX XXXX XXXX. I told them that was impossible, I've had the same insurance coverage from XXXX XXXX working with the same local representative, XXXX, at the same office in my home town since 2007. I contacted my insurance company and they claim I did not set up my insurance after buying the car. This is false. I called them the day I bought the car and again a couple weeks later because they messed up and failed to set up the new account. XXXX XXXX is denying this. I have been called and called Northwest Bank numerous times and they have constantly left me on extended holds, hung up, and told me the correct representatives would call me back but then failed to do so. The lump sum for the short, supposed, lapse of insurance is obscene at more than 10x my normal rate for full coverage of insurance.

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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Personal information like my name incorrect on Experian credit report Incorrect or old address incorrect My credit report not updated not reporting incorrect tried to call experian they blocked me from calling customer, service and fraud department..

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 2022-11-21 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: MO

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. It's been well over XXXX days, I still haven't received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, XXXX have XXXX days to respond to my dispute. 

This violation of my rights.

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 2022-11-21 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: MO

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. It's been well over XXXX days, I still haven't received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, Equifax have XXXX days to respond to my dispute. 

This violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am the spouse of a XXXX percent XXXX veteran and a victim of theft by XXXX XXXX transfer. On XX/XX/2022, I responded to an email message stating my XXXX XXXX subscription had been renewed and call this number to cancel the subscription and get a refund. When I called the number I was given a website to access and process my refund. When I accessed the website it allowed the person on the phone ( who said his name was XXXX ) to hack into my computer. I was told to put in the amount of the refund ( {$130.00} ) and then check my bank account to see if the money was there. When I logged into my bank account there was a balance of {$130000.00} in my checking account. XXXX said there was a glitch in the system and I needed to go to my bank ( Navy Federal ) to return has company 's money. My computer screen turned blue with a message stating " updates were being performed and do not turn your computer off ''. XXXX said that he was running a security scan to find out how the system mistakenly deposited {$130000.00} into my account and provided an account number and bank to transfer the money to : Country Name : XXXX XXXX Bank Name : XXXX Account Name : XXXX XXXX Account Number : XXXX Bank Code : XXXX XXXX XXXX : XXXX Bank Address : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX Holders Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  phone number is XXXX I left my home and went to Navy Federal to send the money back and while I was gone he transferred {>= $1,000,000} from my savings account to my checking account and when the wire transfer was sent, I had sent my money to XXXX XXXX  in XXXX XXXX. When I discovered money missing from my savings account later that evening, I contacted Navy Federal and spoke to someone in their fraud department and we file a complaint and they contacted the bank in XXXX XXXX and requested that the wire be reversed and the money returned. I have continued to call Navy Federal for a status update on my complaint and am being told that they are working on it and will let me know if they need anything else from me. I still have not received my money back or have not been give a clear answer as to whether of not the bank will refund my money. Since my money should have been insured by the bank, although they had me sign a waiver of liability before sending the wire, I think they should refund my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. Tothis day over 30 days later I have not received a response yet. I feel like I'm being taken advantage ofand being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these itemswithin 30 days gives a reason to immediately remove those items from my credit report and it has beenover 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately orI will file for litigation due to the stress caused on me. My information was also impacted by theXXXX XXXX XXXX and may have gotten into the hands of the wrong person ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 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: NJ

Complaint narrative:
privacy and confidentiality under 15 USC 1681. 

Account name : # ending in XXXX ( XXXX XXXX ), Account name : # ending in XXXX ( XXXX ), Account name : # ending in XXXX ( XXXX XXXX XXXX  ), has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2022-11-21 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: NJ

Complaint narrative:
privacy and confidentiality under 15 USC 1681. 

Account name : # ending in XXXX ( XXXX XXXX ), Account name : # ending in XXXX ( XXXX ), Account name : # ending in XXXX ( XXXX XXXX XXXX ), has violated my rights. 

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

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