vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: IL

Complaint narrative:
Hi I am submitting this 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 XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Furnish name- XXXX  XXXX, Account # XXXX has violated my right. 

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. 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 2022-07-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Furnish name- XXXX  XXXX, Account # XXXX has violated my right. 

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. 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 2022-07-20 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: IL

Complaint narrative:
Hi I am submitting this 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no acknowledgement about all these inquiries except for my XXXX I just purchased in XXXX, also the XXXX credit cards I have in my possession. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have to many inquiries on my credit. Can I please get some type of assistance? This is with all three-credit bureaus XXXX, Transunion, and XXXX. I am trying to correct this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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: TX

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Payment due date occurred on a non-business day and over a holiday weekend. On the due date I attempted to pay online but the online system did not let me post on the due date, I could only post the payment 3 days later. As a result I was assessed a late fee. 

I called on a business day after the fee was assessed but was told the late fee could not be reversed. I was also informed that I could have called and if so the posted date of payment would not have been considered late. 

This makes no sense from a consumers point of view - why does the credit card company 's system allow payment by phone on non business days to be made but not the online system? The online system blacked out the possibility of paying on time for 3 days! This appears to be nothing more than a sneaky way to assess late fees and interest charges to customers for greedy profits. How can the phone system be different than the online website payment processing? If calling by phone could be credited on non business days then so should paying online. I was given run around explanations for the difference. 

The highest XXXX I spoke with on the phone sneered and snickered at me, not taking my concerns seriously or with professionalism.

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 2022-07-20 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: PA

Complaint narrative:
upon revieing my credit report to try to obtain a rental property i noticed that there were numerous items on my report that did not belong to me. XXXX acount # XXXX for {$84.00}, XXXX account # XXXX for {$98.00} and XXXX. XXXX  account # XXXX for {$830.00}. Theses account are not mine and do not belong to me i have never had these acoounts before. I have also made a report with identitytheft .gov report # XXXX please remove these account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.

( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 )

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 2022-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have sent XXXX XXXX, tax transcript from IRS, and proof that Capital One Auto finance can not report a charge off that has been claimed on our tax return on my consumer report. XXXX will not delete capital one auto finance from my consumer report, once a XXXX is given and included on taxes, this charge off is now consider income. Income is not reported on credit, unless there is a new law that you CFPB have made up and I have not found it in the laws from CFPB and federal bureau have been put in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
Fay servicing did not pay my home owners insurance policy. XXXX XXXX has been sending them the bill since XX/XX/XXXX with a due date of XX/XX/XXXX. Fay servicing is noted as the bill to for this account. On XX/XX/XXXX I received notice from XXXX that my insurance coverage will lapse if they do not receive payment. I immediately contacted my insurance broker XXXX XXXX from XXXX to see what was going on. She then worked diligently to get this resolved. She email, faxed and spoke to several agents at Fay servicing whom all stated it was their mistake and payment would be made right away. Day after day they said they would over night the check and nothing would happen. When I logged into my account it said they sent the money XX/XX/XXXX, but they couldn't provide any tracking when requested. Finally on XX/XX/XXXX I received a call from XXXX XXXX stating that Fay servicing had sent the check to her in her name. XXXX is NOT who is listed as the payee on the invoice and they were told several times in writing where to send the check and who it's to be made out to. I contacted XXXX and now at this time they will not re-instate my insurance due to non-payment. I contacted Fay servicing and was told there are no managers I can speak with and no one in any department has a contact number that can help me. They stated I now have to wait XXXX business days for them to cancel that check and re-issue another one. They can't even re-issue it because XXXX won't take it at this point. I have written to them to request my account be a non-escrow account and I will pay for my own insurance and I'm currently waiting for a reply. I have already contacted another insurance company and have paid in full to bind my policy. Fay servicing is now holding my escrow illegally and collecting interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
I purchased a pre-paid Visa card in approximately XX/XX/XXXX. I tried to use the card in XX/XX/XXXX. When the card did not work, I contacted Gift Card Mall, the issuer of the card. Gift Card Mall opened a case which determined the card was used in XX/XX/XXXX, more than two years before I opened the card. Given the time that has elapsed since the card was used, Gift Card Mall is unwilling to resolve the fraudulent use of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: AL

Complaint narrative:
I was in a XXXX XXXX about XXXX years ago I was in a XXXX XXXX XXXX XXXX just beginning to start my life again when I checked my credit report someone was trying to get a car loan in my name and now I have XXXX inquiries on my credit report that don't belong 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 2022-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PR

Complaint narrative:
Yesterday I received a notice from Aidvantage stating that my student loan payments will resume on XX/XX/2022 but the moratorium on student loan payments is until XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My father died 2 years ago and I am the executor of his estate.Part of his estate is a certificate of deposit of which myself and my sister are equal beneficiaries.XXXX XXXX died in XXXX of XXXX certificate of deposit is with BMO Harris Bank.In XXXX I was instructed by XXXX  bank to send them a Death Certificate, a notarized letter instructing them what I wanted done with my share of the account. For XXXX year no action was taken on the account. I faxed the bank to check the status of my claim and was told to resubmit the information again.waited again for a response and did not receive one.When I contacted the bank again I was told someone would contact me, but no one did. I contacted the bank again in XXXX and was again told to submit another Death Certificate, notarized letter and picture identification.I did this again and still have gotten no response from them. I have been trying to resolve this problem for two years.I was also asked by XXXX Bank to submit a Small Estate Affidavit which I did at a cost to me of XXXX dollars.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
RE : Complaint XXXX In the above-referenced complaint, Synchrony failed to respond to any of the issues regarding the closure of my account. It is clear no employee at this company will respond honestly to this complaint since they will be fired for providing assistance. 

Synchrony claims they could not electronically credit my checking account ; in XXXX this seems highly unlikely and would like this to be investigated further. Had they done this, my overpayment would have been resolved immediately Synchrony claims my payment made on XX/XX/XXXX was rejected due to an invalid account number ; they have provided absolutely no details regarding the message they received. Excluding the absurdity of closing this account for a typo, if they are using this as their reasoning they must provide more details Synchrony claims they can interpret their terms however they see fit and apply them in whatever manner suits them, and the cardholder does not have any recourse

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 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
The XXXX has been working with us ( my wife and I ) and has been engaging with Shellpoint XXXX XXXX dba Newrez LLC. XXXX is willing to pay the cost as 2020 due to COVID. Additionally, my wife and I are willing to pay XXXX dollars in addition to what XXXX is planning to pay. This leaves about XXXX that we are requesting Shellpoint to act in good faith, total consideration, and modify the morgage However, Shellpoint seems to demand all the money to be paid right away. Shellpoint has sent a proposal to XXXX asking for all the money to be paid off. If not, Shellpoint want us to mortgagors to pay the money. Our complaint is that Shellpoint is acting out of the consideration to prevent the foreclosure and is denying us the right to modification considering the XXXX is stepping in to support in every way possible as well as our efforts to pay XXXX dollars. We have XXXX children and foreclosing the property will destabilize us and we won't have a place to live. We want to keep the property and continue paying our mortgage as it should be. Since my last complaint, we have applied for modification several times and Shellpoint has been denying us. We are completing another one tomorrow and if Shellpoint is not going to consider what XXXX is paying in addition to what we are paying, XXXX dollars, then they will deny us right away. Shellpoint should grab the opportunity to prevent the foreclosure by modifying the mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TX

Complaint narrative:
I sent a dispute to XXXX XXXX and experian and it came back all information verified I dont see how when Date last activity is different XXXX XXXX have XX/XX/XXXX and experian have XX/XX/XXXX Date Opened : XXXX XXXX XX/XX/XXXX and experian have XXXXAccount Description : XXXX XXXX have joint account and experian have individual accounts.Account Status : XXXX XXXX have open and experian the the account close. Account XXXX is the same difference date the fair credit act states credit reporting be 100 % accurate information every step must be taken to assure the information reported is completely correct therefore these accounts should be deleted

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