vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 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: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-21 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: DISCOVER BANK
State: MI

Complaint narrative:
I have a discover credit card for a long time and always paid my bills on time, and I have great credit score. Now discover is holding my Money order and saying they cant apply it to my account as a payment and refuse to send it back to me, and want me to send an another payment. I called the money order company and they said there is nothing wrong with the payment and that discover are using a different system to process payments than before. If discover is using a different method to process payment it should not be the consumers responsibility and I can not imagine how many millions of people are going through this problem and discover are keeping the consumers money. Its a burden on the consumers part And that the consumer have to pay the money order company a fee to reissue another money order. Please look into this they are keeping peoples money and telling consumers to call your Your money order company and the mean time the consumers have to pay a fee to get the money order reissued!!! Discover needs to fix this problem and send the money order back to the people!!! 
Please look into this matter and I am available to assist you!!! 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current lender Caliber Home Loan XXXX XXXX XXXX XXXX, OH XXXX Loan number : XXXX Caliber Is refusing to return to my escrow account {$1200.00} amount that as per their Home owners Insurance Department was send to my previous Home owner insurance company XXXX XXXX XXXX XXXX XXXX of North Carolina XXXX XXXX XXXX, XXXX, XXXX, XXXX. 

On XX/XX/XXXX ti cover my XX/XX/XXXX to XXXX XXXX Home owner Insurance. 
Never receive de payment and my home owner insurance got cancel on XX/XX/XXXX because they never receive a payment from Caliber. 

Caliber on a letter address XX/XX/XXXX to me state that since XX/XX/XXXX I did not have XXXX because I did not pay. 
This payment as per never XXXX was never received .On XX/XX/XXXX was the first time for the past 5 months that Caliber called XXXX to see why this policy was cancel. 
As per Caliber they used a wrong address to send the payment. 

On XX/XX/XXXX I my self call a different insurance travelers to insure my home, because my previous insurance will not renew my previous policy because 5 months already pass. 

For the past 45 days I repeadly call Caliber Escrow Department and Home owner Insurances department to get the {$1200.00} back in to my escrow with no success, nobody really have a resolution, false promise to be resolved in 1 week or " We will call you to follow up with you " nothing had happen except that they used the escrow money in my escrow to pay my property taxes to pay for my new Travelers XXXX {$1400.00} and these create a deficit that increase my monthly payment from {$1700.00} to {$1800.00} on XXXXMy new XXXX increase XXXX XXXX yearly and leave me a bad record with Occidental XXXX because they have me as a bad payer. 


Multiples letters staying that I don't have insurance, That I have insurance or that I will have to pay {$690.00} for the months with out insurance.Caliber poor costumer service and no answers or resolution is the reason why I am complaing. 

I feel this is a miss used of my escrow account and a abused of on low income costustumer because they never keep track that the insurance payment Check never was cash if they really send this to the wrong location.Also if the check never was cash why I not getting credit that amount back to my escrow account instead they want me to paying they back .This company is a scaming

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
{$12000.00} is missing from my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: GA

Complaint narrative:
I had an address XXXX XXXX XXXX XXXX Florida XXXX and an employer named XXXX XXXX XXXX  that I never lived or worked for someone else has gained access to my credit report back in XX/XX/2022 and it wasn't me the only person I know lives in XXXX is my ex husband and his girlfriend I have been in Georgia for four years

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 2022-10-21 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: WI

Complaint narrative:
MOHELA is inaccurately denying public servants of their right to PSFL forgiveness and payment counts by denying their eligibility even though the US Department of Education provides employers as eligible. In example, my employer, XXXX XXXX, was denied and i was sent a letter from MOHELA dated XX/XX/2022 that they are a for profit organization and therefore i do not qualify for PSFL. This is FALSE. XXXX XXXX is a 503 ( c ) non-profit organization that is eligible per the Department of Education. I had to wait on hold for over an hour to talk to someone at MOHELA. If they can not accurately process forms and are going to inaccurately deny PSFL to those who rightfully qualify they should not be servicing loans! They are notorious for misleading consumers and lying. THIS MUST STOP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-21 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
There is 3 accounts on my credit report from Navient, which is a student loan servicer. The 3 loans were opened and placed on my credit report in 2006. Ive never defaulted on the loans and the loans were paid off. Ive contacted XXXX to have them removed from my credit report because they have been on there well over 7 years. XXXX failed to look into my dispute. I want these 3 accounts with Navient removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
Charges on my credit card from another distant state including XXXX XXXX, XXXX XXXX XXXX, and foreign charges. 
TD Bank flagged these charges as suspicious and we immediately responded to the text with " FRAUD '' and called TD Bank immediately. TD Bank is forcing us to pay these fraudulent charges. TD BANK appears to be incompetent at processing Fraud. We suspect TD Bank had a data breach that compromised our credit card number. 

Charges {$360.00} - XXXX {$10.00} - Foreign Transaction Fees {$0.00} - XXXX XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
SPS say that a Covid related Hardship is honored and can be considered for Assistance from loosing home to foreclosure however when I submitted such information I was denied for assistance with no real detail of why just generic that could not be fact checked.Also the original repayment program I was on I missed two payments out of the 12 due to a Covid related Hardship and the Repayment agreement did not say such could not be considered. When I ask SPS customer service representatives of such they dont have a answer. I even asked if I could get a forbearance for those two months giving circumstances of the hardship in which the to no avail with the SPS customer service rep. I then proceeded to ask for a forbearance for those two months via the SPS representative email in which I got a generic standard email reply to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I purchased a new AC unit for my home. I was told that I could finance this purchase and pay it over time. They said this would be a loan sort of like a care payment or a mortgage. I was not informed that this would report to my credit profile as a maxed out credit card and destroy my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: FL

Complaint narrative:
On XX/XX/2022, I purchased a new AC unit for my home. I was told that I could finance this purchase and pay it over time. They said this would be a loan sort of like a care payment or a mortgage. I was not informed that this would report to my credit profile as a maxed out credit card and destroy my credit profile.

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 2022-10-21 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: GA

Complaint narrative:
I had an address XXXX XXXX XXXX XXXX Florida XXXX and an employer named XXXXXXXX XXXX XXXX that I never lived or worked for someone else has gained access to my credit report back in XX/XX/2022 and it wasn't me the only person I know lives in XXXX is my ex husband and his girlfriend I have been in Georgia for XXXX years

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 2022-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AmeriCollect
State: GA

Complaint narrative:
I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: MD

Complaint narrative:
on XXXX/XXXX/22, I called Westlake Financial to get a extension on my car loan and a representative stated to me that the car was repossessed on XXXX/XXXX/22, Which I shocked being that i was driving the car. Shortly after i spoke with another representative that told me that a repo request was put in that day, XXXX/XXXX/22. Later that morning the car was repossessed. Upon speaking to a representative to see what my balance is to recover it they said {$840.00} plus a {$500.00} repossession fee. After recovering the vehicle, applied to my account was {$650.00}, I called again and the representative and she said she had no recollection of why the representative said that, I then read other reviews of people saying the recovery fee was {$500.00}. And not to mention the representatives are very rude and unprofessional.

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 2022-10-21 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have an account on my credit report from XXXX XXXX Bank which is my credit card account. Early in 2020 I went 30 days past due. Which was due to XXXX related illness and declared disaster. I havent ever been late. And getting sick during the pandemic was out of my control. I disputed with Experian and XXXX XXXX stating I was affected by the disaster. Both entities failed to acknowledge my dispute.

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 2022-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX stating that they are a debt collector and they are trying to collect a debt that I allegedly owe to Resurgent Receivables LLC and that they will use any information i give them to help collect the alleged debt. The letter goes on to say that I had an account from XXXX XXXX Bank, XXXX. and I allegedly owed them XXXX. I am not sure how these companies got my information, because I did not give it to them. This is fraud and identity theft. I did not give these companies permissible purpose or any other authorization to have, use, buy or sell my personal information. I am being preyed upon by these organizations and it seems that when XXXX company tries to extort me and are unsuccessful they sale my information to another company and repeat the process. These companies have damaged my credit and defamed my character. I am a consumer and I do no not owe theses companies. I have a right to privacy and these companies have violated my rights. I have previously disputed the Resurgent Receivables LLC account information on my credit report with XXXX, XXXX and XXXX, but the information remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX I applied for a refinance of personal loan over the phone. I later received an email saying I was approved for the loan. It included the details of the loan terms, interest rate and payment amount. At that time, based on the details, I decided not to go forward with the loan because the interest rate was higher than I was already paying. I notified Navy Federal credit Union that I did not want the loan. The representative said she would cancel the loan. Later that day, I received another email from Navy Federal Credit Union saying I was not approved for the loan. 
I feel that this was in retaliation because I did not accept the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We were not checking our mailbox from XXXX XXXX XXXX due to my wife being out of town dealing with our other home that was impacted by hurricane Ian. Someone stole our mail during those dates and got access to the debit card that was mailed to me along with the pin for my Wells Fargo account. They used it at an atm location and took out {$700.00}. They also tried using it at XXXX but that charge was denied. I submitted a complaint to Wells Fargo to return the {$700.00} to my account. It was denied. We submitted a case with the local police 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 2022-10-21 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account

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 2022-10-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : 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