vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: NY

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. However, if they failed to do so, they are obliged to remove the account which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: NY

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. However, if they failed to do so, they are obliged to remove the account which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : 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 explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
The reason I document this issue is that there have been numerous attempts to correct this issue regarding the Public Service Loan Forgiveness Program and the company continues to cause issues regarding the proper tracking of the qualifying number of payments I have made in PSLF. I have recently been notified that the loan servicer would be changing hands in the coming months, so I have been submitting the proper paperwork to ensure that everything is in order. In one instance, I was told that the wrong person had certified the paperwork at XXXX XXXX of XXXX XXXX and they were rejecting the paperwork from XXXX XXXX. The County of XXXX XXXX is a large agency in the XXXX XXXX where thousands of people work. I can not control who signs the paperwork that is given to the main XXXX XXXX Department to send out for signature by who they deem is the proper person. I was also notified that I needed to submit new paperwork if I wanted a previous period that was unaccounted for to be considered as an additional period of employment due to recent changes in the legislation. The deadline to submit the paperwork under the TEPSLF program is XX/XX/XXXX. I re-submitted paperwork for the period of XX/XX/XXXX to XX/XX/XXXX, to show that I worked for the City of XXXX XXXX for one year, instead of the 6 month period that I was previously given credit for in past years. I would like for all of my periods of public service work to be accounted for and an update to be sent to me please on the total number of payments I have made toward the goal of 120 payments or 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/19, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX bankruptcy Filed on XX/XX/XXXX XXXX number : 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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. However, if they failed to do so, they are obliged to remove the account which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
There is another XXXX who lives in the same town as me, she has the same exact date of birth, the same social security number -minus one digit difference. Experian has her and I completely combined. Her maxed out mortgage and other accounts are negatively impacting my life as a single mother. I have written to Experian back in XX/XX/XXXX, ( certified with return receipt, so I know they got it ) with a copy of the report and all the incorrect accounts on my credit. I got no response. I wrote them a second and final letter this year, back in XX/XX/XXXX. This time I got a single white postcard with generic info explaining Experian has 30 days to do whatever is there doing .. it's been 1 year and 4 months since I first reported this to them. This other person 's information is being asked to me, when I go online to try and dispute it. For example, it asked me what year I purchased my XXXX? I have never purchased a XXXX! It asked which of my pets I purchased insurance for recently.. I have never purchased pet insurance. I can't even get verified to continue, because of this! Please PLEASE help me! I don't know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: KY

Complaint narrative:
I opened an account with US Bank on XX/XX/XXXX. 
I received a separate series of emails today with a different application number and account. 

We received your application on XX/XX/2022. Your application ID is XXXX. 
Email received Tue, XX/XX/XXXX, XXXX PM ( 7 days ago ) Your U.S. Bank Easy Checking application was approved. 

Email received XXXX PM ( XXXX hours ago ) Thank you for applying for a U.S. Bank Easy Checking Account. 
We received your application on XX/XX/2022. Your application ID is. 

Were in the process of reviewing your application and will notify you as soon as its complete. If you didnt authorize this request, please call us right away Seperate email XXXX PM ( XXXX hours ago ) Application ID : 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 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX, I logged into my mobile banking app for my account with Citibank. I seen that there was a block on my account. There was no email, no call or nothing sent on why it was a block on the account. I called Citibank several times, no one has any information on why its been closed, all Ive been told is that I will receive the balance of the account via check within 60 days. Each person Im, Ive spoken to has been rude and has hung up on me. I dont have 60 days to wait. I have a new baby arriving really soon within the next day or two. I need help resolving this issue. If they need to close the account thats fine, I just need my money thats in it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Van Horn Automotive Group, Inc.
State: PA

Complaint narrative:
I applied for an auto loan in person at Van Horn Auto Group with XXXX of XXXX XXXX XXXX XXXX XXXX Sales XXXX XXXX on XX/XX/XXXX. He gave me a computer to fill out my business credit application and proceeded to give me backup options including using my personal credit and or a cosigner. XXXX XXXX proceeded to ask me if i would be able to do a downpayment in some way. I was given false and deceptive information. Pursuant to 15 USC 1605A -a finance charge is sum of all charges. 
I was told I would receive a decision from the financing department in a few days. 

I was contacted by XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX and i was told that a cosigner would be needed in order to receive the loan. I was denied credit even though I exercised my right to credit in good faith, my social security number/credit card was used and I received no benefit for it, my information was taken and communicated with third parties without my authorization, and I was discriminated against based off of my income. 

These are violations pursuant to 15 USC 1602F, 15 USC 1602G, 15 USC 1602L, 15 USC 1602P, 15 USC 1691a3, 15 USC 1691C, 15 USC 1692K, 15 USC 1691, 15 USC 1642, USC 1681M, 12 CFR 1002, 15 USC 1681N, and 15 USC 1681O and the Equal Opportunity Act as well as the Truth In Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: CT

Complaint narrative:
As pointed out in my response to the general, unspecific, inaccurate, and contradictory response by American Financial Network the company continues during interactions to not follow basic regulations and fundamentals for staying licensed and legally selling mortgages and lending. Today I had a 30 minute plus discussion with American Financial Network or subsidiary named XXXX ( XXXX and now XXXX ). The phone call was at XXXX XXXX. In the discussion I was told that there is no way that I would be given a bank statement for a payment due in XX/XX/2022. This contradicts the enclosed statement from American Financial Network and the proposal by implication. American Financial Network was mailed a payment that arrived on XX/XX/2022 - see enclosed tracking. The check has not been made and yet the bank gave me a deadline for making XXXX payment and getting on regular payments. I'm fine with that and they make promise in writing enclosed, but then as usual I am given contradictory information as happened by phone today.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE sent me a new credit card offer yesterday ( XXXX XXXX ), stating I am pre-approved. Today ( XX/XX/2022 ) I decided to accept offer. As I went to apply and fulfill all information, they denied me. For the record, I have an excellent credit history, low debt ratios, good financial profile. My frustration is less about being denied, but more on WHY should they send an offer which they intend to deny? On top of this, running my credit ( hard check ) for an offer they sent yesterday, only to deny it today. Later this year I am planning to get a mortgage. As you may be informed, Credit checks do play a role in Credit Worthiness of an individual. I am beyond frustrated with this behavior from any bank, let alone it being among major big banks. Id be fine without a new card, however, THEY SENT the offer and THEY declined it. they are showing to be Irresponsible, Misleading and very Unprofessional. 

Here are the offer details : Reservation number : XXXX Your access code : XXXX E-mail received by them on XX/XX/2022 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: 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: NC

Complaint narrative:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXXXXXX NC XXXXXXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: MO

Complaint narrative:
I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$2500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a credit card with Amazon for XXXX. I never recieved any written documents to dispute this account. The total on the account is invalid and I attempted to close this account with no success resulting in further late fees. I attempted to dispute this account recently when it negatively impacted my credit score and they wrote it off which I would lile removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. JPMCB CARD XXXX or JPMCB CARD XXXX Date Opened : XX/XX/2017 Balance : {$3100.00}.

Company response to consumer: Closed with explanation