vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I attempted on XX/XX/XXXX to make XXXX payment Due to the incompetence of the employee I was unable to pay the entire amount because I was XXXX $ short in one account and need to split into XXXX and XXXX the XXXX was processed but the employee did not know how to take the XXXX $ so she told me to call back the next day to pay but no one would answer for the next week and I finally emailed the company to have someone call me! Eventually after XXXX I was able to get someone and they processed that payment and took an advance on the XXXX payment. I called twice in XXXX and finally determined that they had tried to debit the wrong account. But was then fixed. All of this is recorded and commented on by their employees especially XXXX and XXXX, they took off late fees and said it was all taken care off. I sent concerns to inquiry @ XXXX XXXX. They reported me late and dropped my credit score to XXXX from XXXX so I am devastated. I sent all info and asked for an investigation, they said they were justified. They couldnt have read the comments and come to that conclusion.please investigate this. I dont believe I can ever recover from this.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I attempted on XX/XX/XXXX to make XXXX payment Due to the incompetence of the employee I was unable to pay the entire amount because I was XXXX $ short in one account and need to split into XXXX and XXXX the XXXX was processed but the employee did not know how to take the XXXX $ so she told me to call back the next day to pay but no one would answer for the next week and I finally emailed the company to have someone call me! Eventually after XXXX I was able to get someone and they processed that payment and took an advance on the XXXX payment. I called twice in XXXX and finally determined that they had tried to debit the wrong account. But was then fixed. All of this is recorded and commented on by their employees especially XXXX and XXXX, they took off late fees and said it was all taken care off. I sent concerns to inquiry @ XXXX XXXX They reported me late and dropped my credit score to XXXX from XXXX so I am devastated. I sent all info and asked for an investigation, they said they were justified. They couldnt have read the comments and come to that conclusion.please investigate this. I dont believe I can ever recover from this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have the following hard inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have the following hard inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
On XX/XX/XXXX I logged into my mortgage account to make the payment, I saw that it said I was due for a larger amount which showed that I was due for both XXXX and XXXX. I called Freedom Mortgage and was told that my payment was returned on XX/XX/XXXX for no sufficient funds ; I was told by them to contact my bank as this is the record received from my bank. As told, I contacted my bank ( XXXX  ) I spoke to the representative there who stated that I did not have any records of NSF on my account for the month. The bank also stayed on the line with Freedom Mortgage to explain this information to them as well. The company asked that I send in a copy of my bank statements which I did that showed that my balances were sufficient and there were no NSF checks on my account for the entire month. With all this information, Freedom Mortgage is unwilling to take any accountability as I have never paid 30 days late on my account. This was an error that was beyond my control. They also stated they sent a letter but I was not aware of this. If I had received the letter, I would have called sooner as again, I have never paid 30 days late. I need this information removed from my credit as it is inaccurate reporting and Freedom Mortgage investigation is for their benefit and does not take into account of the errors on their part.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My mortgage company loan care is reporting on my credit report that I was late on my mortgage XXXX through XXXX of XXXX  which is incorrect because I was in a loan modification.

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 2024-02-26 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
As requested, I contacted TU early XX/XX/XXXX. I was told to allow 72hrs for the fix. They would not confirm correction but I could check back. Nothing was done and I called again XXXX. I got the same reply and guarantee that they knew what to do and wait 72hrs. Nothing was done. I contacted TU on XX/XX/XXXX, XXXX, and this time I spoke with a manager named XXXX . He gave me File # XXXX. XXXX assured me the issue would be fixed this time, and to allow 5 days. As of this date, nothing has been done. My credit score is less than XXXX because of errors. I tried previously to fix them myself and they wouldnt so Ive solicited help. Now my file Can not even be accessed. Ive given all of them the error code XXXX but Im at a loss on where to go from here because they have refused to do anything about this issue. Pls 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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Contacted XXXX via phone to verify monthly payment was scheduled for the month of XX/XX/2023. Payment scheduled confirmed. On date XXXX a {$1200.00} payment was scheduled to be pulled out of XXXX checking account. On XXXX I was notified that the payment was declined. I checked my bank account which had sufficient funds and called XXXX. XXXX stated the payment declined due to insufficient funds I stated that wasnt possible as I was looking at the account. I verified the account number with them and they stated it came out of a different account. I do not have another checking account annd never have. They then read the anccont number that that attempted to use. It did not belong to me nor was any account I knew about. I had them immediately run the correct account a pay the payment. The agent stated that because XXXX payment and reversal issues were so close in date and I had no time to fix the issues she would request the late payment removed. As once I was notified I immediately rectified the issue it also was XXXX error in charging an account that didnt belong to me. I have inquired with XXXX who states the credit bureau will have to correct the error that XXXX can not correct it. I have made several attempts to have the credit bureau to correct it and provided all documentation with no success.

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 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
So I was going to start a XXXX  program. But part way into it they stopped from the photos because my XXXX XXXX XXXX  and they wanted a dentist to review. This is nothing against XXXX  they did everything right and alerted me to further issues my previous dentist did not. They canceled the account out. 

At this time, I had signed up through a financial plan third party with XXXX through synchrony bank. That took 2 payments out. XX/XX/year> & XX/XX/year>. They were alerted of the cancel, closed my account and issued a check Closed XX/XX/year>, and issued a check XX/XX/year>. I was told wait 15 business days. No check. They started an investigation to confirm the check wasnt cashed and reissued a check. Still nothing. Theyll be issuing another check this Friday. 

The customer service has been awful, cant even talk to a supervisor. Ive requested proof that the check was sent or at least an email of receipt that we had these conversations and concerns. Still nothing. 

Contacted my bank. Im not able to file a dispute or claim because it was a loan and signed through account transfer. Her only advice was to file a police report for services not rendered.

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I did a debt consolidation in XXXX and a check was sent to Barclay Bank for {$6700.00} from my financial institution and not my personal account. Per my financial institution the draft was cashed XX/XX/XXXX and as of today XX/XX/XXXX the payment has not yet been posted to my Old Navy Credit Card. Barclay Bank has reported me past due to the credit bureaus and fees and interest have been accrued. A second check was issued since the creditor said they never received the first pmt and that payment was not accepted by my institution because it was in fact cashed in XX/XX/XXXX. I have faxed over copies of the cleared draft and still nothing is being done but they want almost {$800.00} to being my account current. I can't afford to pay my loan payment AND this credit card which was paid in XXXX. No one can tell me where the funds went in XXXX. Please help 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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
FCRA 605B says they should remove incorrect accounts from reports. Could you please look at the documents? The accounts on my report are wrong, and it's upsetting and worrying 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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Debt does not include my name! Attempted to resolve via phone contact several times after they repeatedly called asking for the wrong person. The harassing calls I received began on my end XX/XX/2024 and still. They have added a false alias to my credit report which Ive never heard of which is also the nake they state when calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
I am a XXXX XXXX and am trying to use my limited free time on scant off-days to get answers about why my payment amounts have not started and why they have resumed at {$0.00}. I've spend hours trying to get in touch with them and their website is largely unusable. These are tactics that are predatory and while I ( XXXX XXXX  ) know how to navigate complex systems, not everyone is so lucky, and this is how people end up defaulting or facing penalty fees. MOHELA had MONTHS to scale up their workforce in anticipation of the influx of calls, but chose not to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am being sued in XXXX XXXX XXXX  Municipal Court for Case Number XXXX by XXXX XXXX. They have admitted I did not open this account and it is Fraud and they are still suing me and have sold my debt to others to collect on it and file lawsuits. Equifax has not removed this fraudulent case from my credit even though they know my identity was stolen because of their data breach. I want every collections and closed negative account removed as this is further proof even on their own admission that my identity was stolen and I am suffering XXXX XXXX XXXXXXXX  XXXX. I demand you order them to remove all of these accounts I have listed in the past and compensate me for my time and trouble.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
In accordance to the Fair Credit Report act 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 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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance to the Fair Credit Report act 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 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
My mortgage company XXXX XXXX is reporting on my credit report that I was late on my mortgage XXXX through XXXX of 2023 which is incorrect because I was in a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a letter from Macys that an unknown party without permission or authority did try to open up a Macys American Express Card and Macys Credit Card under my name on XX/XX/year>.

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid in full a credit card account on XX/XX/XXXX. Then on XX/XX/XXXX Bank of America debited my bank account {$510.00} to pay on the credit card. I have reported to Bank of America that the {$510.00} payment was made in error because the credit card already showed a XXXX balance. Further this payment overdrew my checking account and checks issued on that account will therefore be overdrawn. I tried to cancel the transaction online and could not. I then went to the bank to explain the situation and ask them to 1-refund the funds to my checking account, 2-remove any overdraft fees and 3-CANCEL the automatic payments. ( NOTE : I have repeatedly requested that the bank cancel the automatic or teller assisted payments and I have tried to do this online. It seems that this is an internal system issue and all attempts have not been successful. ) On Friday, XX/XX/XXXX the Bank could not assist me with this problem. They said " Wait til monday to see if the system corrects itself. '' This morning, XX/XX/XXXX my checking account showed overdrawn and the credit card account showed a credit balance of {$510.00}. I returned to the Bank and eventually was assured that the correction would be made and funds would be available in 7-10 business days. The bank told me that the Automatic payments would cease and they told me to return to the bank to have overdraft charges removed. I find this solution to be unacceptable a credit to my checking account should be made immediately and all overdraft fees should be waived.

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
This Discovery credit card is not mine. maybe fraud, {$3700.00} Reported balance, opened XX/XX/year> 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Amount : {$420.00} XXXX XXXX : XXXX XXXX XX/XX/XXXX Amount : {$170.00} XXXX/XXXX  XX/XX/XXXX Amount : {$220.00} XXXX XX/XX/XXXX Amount : {$14000.00} XXXX/XXXX  LAST REPORTED DATE : XX/XX/XXXX Amount : {$17000.00} I have reached out to get these accounts resolved and had no success. I asked to provide validation of debt and late payments. I also been a victim of fraud and tried to dispute matters still nothing has been done. This was my last resort to get remedy for my claims.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Amount : {$420.00} XXXX XXXX : XXXX XXXX XX/XX/XXXX Amount : {$170.00} XXXX XXXXXX/XX/XXXX Amount : {$220.00} XXXX XX/XX/XXXX Amount : {$14000.00} XXXX LAST REPORTED DATE : XX/XX/XXXX Amount : {$17000.00} I have reached out to get these accounts resolved and had no success. I asked to provide validation of debt and late payments. I also been a victim of fraud and tried to dispute matters still nothing has been done. This was my last resort to get remedy for my claims.

Company response to consumer: Closed with non-monetary relief