vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-14 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: PR

Complaint narrative:
Ask Equifax for the independent investigative method they used to make the decision that the XXXX XXXX account they report on my credit is mine, and they refuse to send it to me which is a violation and they should remove that account from my credit report. It was opened in XXXX of the identity theft and I sent the report that says so, with the report they do not delete the account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: OK

Complaint narrative:
In XX/XX/2022 my two federal student loans transferred from FedLoan Servicing to XXXX. After the two accounts were successfully transferred to XXXX, I paid the loans off in XX/XX/2022. I did reach out to FedLoan on their website to notify them that the loans are still showing on my credit report as an open account with them, but I did not receive a response. 

I have also attempted to dispute the information through XXXX ( via XXXX XXXX XXXX and XXXX through their website. I submitted documents showing the notification I received regarding the transfer as well as the payoff letters I received from XXXX, but the accounts are still showing to be open as of today, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: KS

Complaint narrative:
Fay Servicing is currently servicing our loan ; however, we do not know if the owner of our loan is legit because they will not provide us with any information. We have sent 3 QWR requests to Fay in which they have NOT responded and will not provide us with the information. We have also tried to ask for a loan modification and assistance which we are more than qualified for but all they do is charge us more money when they or their lawyers do something on our account. We got ripped off by a company named XXXX XXXX XXXX when they took a bunch of our money and promised us that they would get Fay to answer our QWR requests and get us a loan modification but they didn't really do anything for us. We have now submitted more requests to Fay but they still have not responded. This has been a nightmare for us and we can not get Fay Servicing to respond to any requests for information that they are required to provide. They just keep ignoring our requests for information regarding our loan. Fay Servicing has been fined in the past for deceptive practices yet they are still in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Plastiq Inc.
State: AZ

Complaint narrative:
On XX/XX/2022, I submitted a payment to a vendor utilizing Plastiq platform. The company charged my XXXX XXXX on XX/XX/XXXX and immediately afterward canceled the transaction stating " Plastiq can not support this payment category. '' I believe the company would have known the payment category was prohibited before Plastiq charged my XXXX XXXX. 

I have sent 6 emails requesting additional detail and the company refused to reply back. It has now been 10 days since Plastiq claimed to have refunded my credit card. 

Transaction amount {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was booking hotel reservation through XXXX XXXX XXXX ( XXXX ) Mobile App and I was presented with offer to apply for XXXX XXXX XXXX Credit Card provided by Chase that will allow me to earn XXXX bonus points and {$200.00} credit statement if I spend {$3000.00} in first 3 months ( I have all the proofs in screenshot format ). Considering this as a good offer, I applied for the credit card and was approved for it. After receiving my credit card, I spent approximately {$4500.00} in first 3 months. But as a bonus I received only XXXX points and {$200.00} credit statement. I reached out to XXXX Customer Service to question about remaining XXXX bonus points and they are of no help as there is finger pointing between XXXX and Chase. I explained to XXXX that I applied to this offer through their XXXX XXXX App and they are responsible for advertising it ; but they are not willing to resolve this issue. This is a fraud that they are offering one thing and delivering another thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
To, Consumer Financial Protection Bureau ( CFPB ) I have been on Forbearance due to Covid 19 Financial Hardship since XX/XX/XXXX. I have recently signed with Carrington Mortgage a Partial Claim option to go current with my monthly payments and resume making regular payments from XX/XX/XXXX. 

However, I have been informed by my Credit Bureau that Carrington Mortgage has reported that I am late with my monthly payments by 30 days which has reduced my overall credit scores by XXXX points. I had a very excellent payment history that got messed up by Carrington, I have attached a letter that confirms that I should be starting making payments from XX/XX/XXXX onwards not sure why they reported to Credit Bureaus. I have filed a dispute with XXXX and Carrington, however today I have been informed by Carrington that they can not do anything which I have attached, then I called back Carrington and they are giving me hope again but I am unable to trust such false promises anymore and can not continue being swung between my mortgage servicer and the credit bureau. 

Please help, this is against Cares Act, Mortgage Servicers were not supposed to report to credit bureaus to those consumers that are affected by Covid-19 Financial Hardship, and here I want to resume making payments and they are treating me like this. Please refer to my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: MD

Complaint narrative:
Equifax, XXXX and XXXX is reporting that I have a bankruptcy that is not mine I've provided documentation that proves they illegally put information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX I submitted a mobile deposit to my Truist personal banking account in the amount of {$1400.00}. XX/XX/XXXX I received an email noting that is was placed on hold. It did not contain any info on how long the hold was for or why it was held. I called the customer support line XX/XX/XXXX and they could not provide any info. I called again on XX/XX/XXXX and spoke to a supervisor. The check was being held due to doubtful collectability but she could not tell me what was the reason for that belief. I informed them this was against the Federal Reserve policy in regards to information that must be contained in a hold notice. I was told to contact the local bank as they would have more info. XX/XX/XXXX I also called a local bank branch. The branch manager noted Truist has been placing generic auto-holds. I informed him by regulation they must note a reason and it can not be generic. He noted he did not have any additional info but if I wanted to see if the hold could be lifted I would need to come into a local branch. Truist is not following regulation in regards to holds.

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 2022-09-14 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: NC

Complaint narrative:
Dispute investigation letter sent from post officeXXXX Recieved by Experian and Return receipt signed by person at ExperianXXXX No response on credit investigation current date is 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 explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
-The first time my daughter contacted them was XX/XX/2022 to see about lowering her monthly. 
They said she was not eligible. She explained her cosigners myself and my husband were not able to help and she was having financial issues as well. She has 3 loans with Sallie Mae. She said she could continue paying one of the 3 but if they can lower the other 2 she was told try in XX/XX/2022. She called in XXXX informed them her rent went up and then they had myself and my husband on the line going over all our monthly expenses they said XXXX again. They said try again we informed them we were not able or my daughter to make the XXXX payments. The loans were not able to pay anything due to financial issues we were all having. They contacted my mother in law because we lived with her once a while ago and said to have us call they could help. Tried again in XX/XX/2022 went through the process they said no again. We are trying to work out payments that my daughter or we can afford. She has with the XXXX loans from Sallie Mae, XXXX with XXXX school loan and her federal loans totaling {$90000.00} in school debt. She lives on her own in NY and pays rent, food, medical bills, car and she is up to date on her XXXX Sallie Mae loan, her XXXX loan just these 2 payments that are hard for her and us to make. We do not own a home and live paycheck to paycheck. I explained any help in lowering the payment would help but they said they can not help. 
One of the loans that we asked is now been given to Collections. So, I just do not understand how they would want that instead of trying to help work out a payment that would help us and also pay them. All of our credit is being affected. I had a loan myself with Sallie Mae and in the past I would call and ask for help and they always worked out a plan. I feel they have not in any way tried to help. If you can help us in any way it would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2022-09-14 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: MD

Complaint narrative:
Hi I am submitting this 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 XXXX. 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 XXXXn 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 21 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 2022-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Had a 24 month interest fee loan. 

Synchrony Bank Account # XXXX It expired end of XXXX without notification.I tried to call them when I received invoice in XXXX. 
they added on a card security fee which we did not approve of XXXX a month total {$4000.00} also they added back the interest for the 2 years of XXXX. 

When we got the notice we sent the total amount owed of {$12000.00}. 
I did this to avoid any additional issues but they still owe me back the {$4000.00} which they took without approval. 

I ve tried several times to discuss with getting to the approbate channels.

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 2022-09-14 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Commenity bank visa closed the credit card account on XX/XX/2022. The account had been paid in full every month and on time since it had been opened. Yesterday the credit limit of XXXX was decreased by XXXX. This is very wrong! How can a company change the credit limit after the account has been closed? The change was recorded with XXXX. The change lowered my credit score!!! I contacted commenity bank and have not been able to get this corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Someone attempted to obtain Credit in my name at Capital One .Capital One check my credit hard inquiries with XXXX XXXX and XXXX I inform Capital One it was fraudulent attempt and it was not me .Capital One then removed the credit inquiries from XXXX XXXX but still remains at XXXX Capital One refuses to help me or remove them at XXXX Capital One ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I saw that on or around XXXX I saw a lot of pre approvals on credit Karma. At first I didn't pay it any attention but Credit Karma kept sending me all sorts of different Pre- approvals telling me that I was Pre-approved for credit cards, personal loans, and that I can refinance my car. Everyday I would see these offers every time i logged in to check my credit scores. After a few months of being told that I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through credit karma, I started telling my whole family about vacations and investments we were going to use these pre-approvals for. So I applied on or around sometime in XXXX  and I got denied for 2 credit cards and a personal loan. I was distraught. I was very angry, and I felt deceived. I was marketed to for months telling me for months. Credit Karma told me that I was Pre approved. This was a lie. I was severely stressed out. I was XXXX  for weeks. I had XXXX  so bad I became anti-social. My XXXX  went from 0-100. Now every time i see pre approvals, I immediately close my phone and shut my computer off. This has made me so uneasy and XXXX  that I haven't checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In XX/XX/2022 my XXXX federal student loans transferred from XXXX XXXX to XXXX. After the two accounts were successfully transferred to XXXX, I paid the loans off in XX/XX/2022. I did reach out to XXXX on their website to notify them that the loans are still showing on my credit report as an open account with them, but I did not receive a response. 

I have also attempted to dispute the information through TransUnion ( via XXXX XXXX XXXX and XXXX through their website. I submitted documents showing the notification I received regarding the transfer as well as the payoff letters I received from XXXX, but the accounts are still showing to be open as of today, XX/XX/2022.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In XX/XX/2022 my two federal student loans transferred from XXXX XXXX to XXXX. After the two accounts were successfully transferred to XXXX, I paid the loans off in XX/XX/2022. I did reach out to XXXX on their website to notify them that the loans are still showing on my credit report as an open account with them, but I did not receive a response. 

I have also attempted to dispute the information through XXXX ( via XXXX XXXX XXXX and Equifax through their website. I submitted documents showing the notification I received regarding the transfer as well as the payoff letters I received from XXXX, but the accounts are still showing to be open as of today, XX/XX/2022.

Company response to consumer: Closed with explanation