vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-06-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The company was asked to investigate and remove accounts but failed to do so in the required time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
XXXX XXXX private loans through navient and XXXX ; the degree is worthless, and more loans were taken out than necessary, without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Convergent Resources, Inc.
State: OH

Complaint narrative:
Kindly dispute it from my report im a senior citizen and Im not sure this account is too old or incorrectly reported. 
I appreciate your assistance. 
Kindly dont harrass me and keep on sending letters, moreover please remove as i dont have or ever had any negative activity on my report. 
XXXX  XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2021-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was denied for a Sam club credit card due to a high risk but I never applied for any previous applications and no credit was pulled and this bank has a history of discrimination in the past and all I wanted was a credit card to fix my credit and build a banking relationship and unfortunately they blocked my social security number and run my credit and sending me bad letters to my address and I cant get a credit card or have the opportunity to send in documents and I would like this to be fixed this problem started after I reported a Sam club account open in my name and it was removed but there is no balance and the bank didnt suffer a loss at all!!!

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 2021-06-28 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: DE

Complaint narrative:
My current ( Joint ) credit report shows an active mortgage of {$200000.00} with a bank. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is the same mortgage that we had them remove 4 years ago. They put it back on us, using my Wife ( XXXX XXXX XXXX SS # XXXX XXXX XXXX. ) I have spoke to them, they agree that it is not ours but have done ZERO to remove it. 
WE have never lived at the address shown ( XXXX XXXX XXXX XXXX MA, nor have we ever done anything with this bank. ( Except complain about this ) WE are currently applying at our XXXX XXXX XXXX XXXX XXXX for a HELOC. This is hold up everything When this happen 4 years ago, they sent our credit union a letter to acknowledge that this was an error on their behalf. Now they did it again! HELP. 
Respectfully '' XXXX and 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 2021-06-28 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 35 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report. Its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: NH

Complaint narrative:
I have tried to pay off this loan that is ruining my credit for the past three months and there is no way to do it apparently I got an email saying there's a glitch in their system and they're not able to apply my payment yet it is still showing up on my credit and they refused to delete it even though I've offered to pay it off in full several times now over the phone I've offered different payment methods anyway I can think of I even have a checking account with them that they could take it out of yet they still can not pay off the loan and get it off my credit I've had it with this company I never even received a loan it's one of those prepaid credit builder loans that I never even received the money for I have to pay for it before I can get the money it's absolutely insane and ironic that it's on my credit and destroying it especially after I tried to cancel it shortly after before anytime even started because it wasn't what I thought it was and I wanted to cancel it out immediately but they would not let me and now they won't let me make a payment I'm done with this company! Terrible. Thinking of closing my checking account bc they are the only ones screwing up my credit and they don't care

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/2021 I paid off my entire account balance with Lane Bryant Comeninty Bank. The billing cycle for the month ends on XX/XX/XXXX. I was charged interest on a zero balance account. Then on XXXX XXXX I was sent a letter stating they were reducing my account balance to {$400.00} from {$1000.00} claiming that my credit scores had dropped significantly. However, I know this to be a lie as I paid off {$6500.00} in credit card debt in XXXX and my credit scores, across all three bureaus, increased higher than when I was first granted credit with Comeninty and higher than when Comeninty raised by credit limit from {$300.00} to {$1000.00}. 

This is not the first time that Comeninty has penalized me for paying off my balance. The same thing happened when they used to have the XXXX credit card. Please do something about this practice. Consumers are supposed to pay off their debts yet when we do, we are being punished by being lied to and charged interest on XXXX balance accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IN

Complaint narrative:
Hello, I filed a complaint on XX/XX/2021 and I got the response asking me to follow instructions to refund me. I followed the instructions, but I did not get the refund yet. It is more than 3 months now. Please refer to the previous complaint for more details. Complaint ID : XXXX. I also attached a PDF file with the previous complaint. 

Thank 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 explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: On Q Financial
State: VA

Complaint narrative:
We have bought our first home in XX/XX/XXXX FHA with On Q Financial. Unfortunately, we got sick in XX/XX/XXXX and was out of work for two month and a half. We were out from XXXX, XXXX and mid XX/XX/XXXX. As soon as we told out employers they told us we couldn't come back to work until we tested negative. That was back in mid XXXX, but during that time we contacted On Q financial and told them the situation and submitted proof that we tested positive of XXXX, They told us to apply for the COVID program, were they required for us to submit and application and proof of income and other documentations in order to get approved. I started the paper work in end of XXXX before we get behind but, it was a back a forward with they about the paper work. I could never get answer as of what other documentation they needed and why they needed it for. All they would message me was that i was missing document until sometime in XXXX if am wrong we got a letter that we got denied. but during all that time we became behind on our mortgage 3 months. Which is what we currently behind, we have been paying but it been hard to catch up with since are also behind on other stuff. ( car, insurance, bills ) but we are doing our best to get back on our feet.

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 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
Received a letter in the mail from Sequium on XX/XX/22 requesting that I call to settle a debt. There was no validation of debt advising that the debt belonged to me and no notice to dispute validity of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: LEXISNEXIS
State: NY

Complaint narrative:
I called XXXX and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law. There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. clearly put, LEXIS NEXIS fished for this negative bankruptcy information, then sold it to the credit reporting agencies to make money from ruining my reputation and ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I called Transunion. Firstly i had to look up 3 numbers to get a person. Secondly it was called XXXX. It seems to me that Transunion & all the credit companies should have customer service call centers or representatives in the USA -especially after a pandemic when everyone is complaining about job placement. 
I tried 4 times and every time we are breaking up the phone is breaking up and they hung up on me. This was from both a cell and a landline. 
I thought I was getting a {$1.00} one time charge and for 16 months they charged my account over {$21.00}. I didnt receive online even one monitoring report ( which wasnt requested. ) They didnt do the basic thing they were charging for they wont refund

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 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/2021 -- -I am in the process of refinancing my home with ALLY Home Loans. ALLY told me I was getting a credits of {$1700.00}. During the process they said that my appraisal had come in lower then expected and then took away the credits. Their appraisal appears to be intentionally low as it appraised lower then houses on my street that are lower quality construction. I complained to the company and they said I could order a new appraisal but there is a 5 % success rate. They then told me to buy down my rate and pay more to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
I was involved in class action suit against XXXX, or XXXX XXXX, the loan was made illegally and was discharged, forgiven and should have been removed fromy credit file. A third party debt collector ( COMPLETE CREDIT SOLUTION ) continues to pursue this forgiven loan and refuses to remove from credit report. Lawsuit is Turner v. ZestFinance, Inc. 
Case No. 3:19-cv-293 Complete credit solutions ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX, TX 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 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
This is the second complaint I have filed against an erroneous charge filed by XXXX XXXX for a phone purchase I never made. My first account with cfbp was # XXXX which was closed by XXXX on XXXX XXXX. Now, on XXXX XXXX XXXX has simply rolled this file over to another Collection agency : Sunrise Credit Services in XXXX, NY for {$1300.00}. I have called this company twice to explain this unjust report with no resolution ... both times I was told they would send me a Fraud Report but nothing was ever received! How can it be legal for XXXX  to simply roll this charge over and over to multiple collection agencies without any action to resolve this charge against me who never had this phone or address listed. My Excellent Credit Score has gone from Excellent to Good twice now!!!! I don't want this to continue and reporting to cfpb is good but not enough if XXXX XXXX doesn't take responsibility.

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 2021-06-28 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: LA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation