vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I tried to buy a car but every time the dealership checked my credit, they got a XXXX so when I called Equifax, they said my credit was XXXX. When checking my credit, I got XXXX, I even got a report from " https : //www.annualcreditreport.com/ '' that my credit is XXXX. 

So, this morning I saw this on the news. Https : XXXX that " Equifax miscalculated the credit scores of thousands of consumers. Some people may have received a different credit decision due to the coding error. 

please i am an active member i am buying this car i can't qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I sent a written documentation on XX/XX/2022 and have called several times prior to this written documentation. I sent a follow up formal notice on XX/XX/2022 after no response or acknowledgement. No one has followed up and today I am being told by representative that it will take 90 days at least to resolve the dispute and it is frozen. I have advised them that their inaccuracies and billing error is causing significant delays in my ability to use my credit effectively and they are advising that there is nothing that they can do. 

No one has been able to provide suffice documentation or verbal assistance and I have waited over 60 days to get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I paid all but XXXX XXXX on my mortgage but sps has not applied the payment to the balance. I have called and spent hours on the phone and in the end of the conversation they say just call back in a couple of days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
We bought our house in XX/XX/XXXX with the understanding that we would pay XXXX $ a month for principal, interest, tax 's and insurance. 

On XX/XX/XXXX I uploaded my tax documents to them, I have a confirming doc id # from them stating that they received it, and spoke with them over the phone to insure they got it and it would be paid. 

On XX/XX/XXXX they dropped our Morgage payment down to XXXX XXXX 
I called them and expressed my concern that this wasn't correct and that someone had made a mistake, but they assured me that they had greatly overestimated my tax 's and this was my new payment going forward. 

On XX/XX/XXXX our Morgage payment jumped to XXXX $ a month. Thats a XXXX $ increase that puts us at a hardship as we cant pay that amount every month. Thats an XXXX $ a month increase on what we originally signed legal paperwork to pay. 

I will be uploading Documents related to this complaint. 

I am not complaining because I need to pay back the escrow shortage. They paid our tax 's and insurance, like they were supposed to, I wanted to pay them back. 

My issue is that this was THEIR MISTAKE. Our original bill was correct, but they dropped the payment on us and let our escrow acct fall behind XXXX $ and then expect us to pay it back within a year. 
I tried speaking with them and getting a 2 year payment plan set up so we could afford to pay it and they wouldn't budge. Noone wanted to acknowledge the mistake and work with us, they said simply XXXX $ extra a month, or pay it off in full now. 

We are getting our situation taken care of, and we will be ok. But, id like them held responsible so that this doesn't happen to someone else that isn't fortunate enough to be able to pay for their mistakes. We could very easily have lost our home because of this simple, easy to avoid mistake, and they didn't accept any responsibility for the mistakes they made that led to our hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: NY

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX  and Account # XXXX XXXX XXXX XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : Its 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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX  and Account # XXXX XXXX XXXX XXXX, has violated my rights. 


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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
Potentially Predatory Activity By Student Loan Servicer AES : Servicer ( American Education Services ) without authorization, application, request, or inquiry, put current and performing loan into a one-month forbearance status. I in no way want, need, or desire a forbearance. I spoke with customer service and only inquired about the qualifications of my direct subsidized loan for a current forgiveness program. I did not provide any financial information nor make any representation about my finances. Several days later, I was notified that my loan status had changed to Forbearance. Once notified of the forbearance, I immediately contacted AES to inquire as to the reason for the forbearance and requested the removal of the forbearance from my loan. I was told the reason for the forbearance was that I had clicked a " Learn More '' link in an AES email about XXXX and government forgiveness. The link led to an AES informational page. I entered no data into the website, nor did I log in to the site. This explanation seems preposterous and, if true, deceptive and predatory. As you are aware, forbearance status can lead to increased interest payments over the life of the loan and be impactful to borrowers future financial prospects as well as disqualifying them from forgiveness plans. If the email link explanation is not true, the AES representative decided on his own to place my loan in forbearance, I believe, to disadvantage me with the very forgiveness program I was inquiring about. That would be equally deceitful, unfair, and predatory. Please be alert after you engage with AES customer service or electronic mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: PA

Complaint narrative:
I was trying to sell my desk on XXXX XXXX. This guy says he's interested and also asks for other household items I don't want that he could purchase from me. He ended up wanting a bluetooth speaker I had and we agreed on him to pay me {$170.00} for the desk and the speaker. He said that movers were going to pick the stuff up from my place, and he sent me a check that I would use mobile deposit through KeyBank for. He sent me {$990.00} - {$170.00} of which was for me, {$820.00} was meant for me to pay to the movers. I would XXXX a XXXX XXXX through my KeyBank app once the check cleared and the money was in my account. I completed this payment of XXXX over XXXX days, on XXXX {$500.00} ( because that was the limit which I could XXXX in XXXX day ), and {$320.00} on XX/XX/10. My account is currently - {$310.00} in available balance and the check, though it initially was cleared, was being returned to me. I spoke with the bank via chat and subsequently over the phone, and the XXXX support team advised I go to the authorities with this information ( as they told me I can not receive fraud forgiveness or a refund from XXXX ). Please advise on what I can do to help this! I hope you have a good day, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There are several accounts on my consumer report that I have tried to get off because they were not accounts of mine, my information was used several times and there are even phone bills in my name.

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 2022-08-10 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: TX

Complaint narrative:
I have submitted disputes to you and I did not get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I'm a joint owner of this account. The account fell pass 30 days, Schoolsfirst never notified me, called or email. Myself and the primary owner are divorced and I dont have any contact with her. Now my credit shows 30days late, I had no idea that account was late. Schoolsfirst will not provide a web login, they wont even let me know the address on file. They never sent my any any invoices to my address. I want the 30 days late removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: NY

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-08-10 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: NY

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I have been in constant contact with 1st Advange regarding the misreporting of my backgound and credit reporting history while proceeding through the tenant background process. They claim that I do not have a credit history in the last two years when they checked with XXXX, which is total false. XXXX confirmed that they have not accepted to access my report. Due to this misinformation I was approved with conditions which involved a {$400.00} nonrefundable fee. In addition, the cost of the application to apply was a {$200.00} fee, has caused a total inconvience finacially. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: MI

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to TransUnion Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
Please the summary of the negative accounts below ; XXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$650.00} US DEPT ED XXXX Balance {$4200.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$230.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX {$2200.00}

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 2022-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I have asked Paypal repeatedly to send a check to my confirmed and verified address. They have refused to do so. 
XXXX XXXXMultiple emails, phone calls, and online messages with Paypals customer service alternated between saying I need to add a linked bank account in order to receive a check ( I did so, but was still not able to receive a check ) ; and saying that there was a " known issue '' with check requests that they would look into resolving as quickly as possible XXXX XXXX-I contacted the Minnesota state attorney general 's office for assistance. They sent a letter to paypal, and I received a response from " XXXX XXXX  in escalations '' stating that I needed to link a bank account to my paypal account in order to be issued a check. She ignored the fact that I had already completed this step, and was still not getting my funds via check. 
We responded to XXXX XXXX 's email with this information, and have heard nothing further from paypal since XX/XX/2021. My funds remain online with no way of accessing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: NY

Complaint narrative:
XXXX XXXX has place an incorrect charge on my account. I have tried to resolve it directly, and they refuse to remove this invalid charge from my Experian report despite the evidence. I will be pursuing further investigations. 

In the meantime I ask that this be removed from my Experian report for the following reasons : In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX, Account # 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 an 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 explanation
Consumer complaint received 2022-08-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX  indicates i opened an account with them on XX/XX/XXXX and on a different beauru it states XX/XX/XXXX this information is false. Account number : XXXXXXXX XXXX XXXX XXXX Indicates i opened account on XX/XX/XXXX And for another beauru it states XX/XX/XXXX Thats false information aswell DSNB MACYS Is also reporting inaccurate information I have so much fraudelent information and it is devastating, i meed it removed as soon as possible, this is hindering my future. 

XXXX XXXX Amex XXXXXXXXXXXX XXXX XXXX XXXXXXXX All these companies are targets.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX indicates i opened an account with them on XX/XX/XXXX and on a different beauru it states XX/XX/XXXX this information is false. Account number : XXXX I C System Indicates i opened account on XX/XX/XXXX And for another beauru it states XX/XX/XXXX Thats false information aswell XXXX XXXX Is also reporting inaccurate information I have so much fraudelent information and it is devastating, i meed it removed as soon as possible, this is hindering my future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these companies are targets.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Sent a formal request for validation of the debt in the form of a written contract or agreement on XX/XX/XXXX, which has yet to be provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: NY

Complaint narrative:
This is not a third party! 

According to 15 U.S. Code 1666 ( a ) ( 1 ) ( 2 ) ( 3 ) - Correction of billing errors, on my consumer report there are unverified and inaccurate late payments reporting for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. I was incorrectly billed and I have proof. 

Please review attachments!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is not a third party! 

According to 15 U.S. Code 1666 ( a ) ( 1 ) ( 2 ) ( 3 ) - Correction of billing errors, on my consumer report there are unverified and inaccurate late payments reporting for XXXX, XXXX, XXXX, XXXX and XXXX of 2018. I was incorrectly billed and I have proof. 

Please review attachments!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: NY

Complaint narrative:
This is not a third party! 

According to 15 U.S. Code 1666 ( a ) ( 1 ) ( 2 ) ( 3 ) - Correction of billing errors, on my consumer report there are unverified and inaccurate late payments reporting for XXXX, XXXX, XXXX, XXXX and XXXX of 2018. I was incorrectly billed and I have proof. 

Please review attachments!

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