vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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: FL

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a complaint 2 months ago and they have not helped me, they have allowed the credit bureaus to continue failing to fulfill their duties.

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 2022-10-13 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: FL

Complaint narrative:
I filed a complaint 2 months ago and they have not helped me, they have allowed the credit bureaus to continue failing to fulfill their duties.

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 2022-10-13 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: GA

Complaint narrative:
Ex was living with me and opened many things in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On the morning of XX/XX/XXXX - I logged onto my bank account app and noticed that {$500.00} was missing from my account and money had been sent to a XXXX XXXX and it says it on the transaction which is transaction # XXXX. This was done on My Serve American Express card that I have had for several years now. I contacted the card company and they had already put a lock on my account because they noticed fraudulent activity. I went down to my local bank to pull the remainder of the money out just to make sure that was not stolen from me so the customer service department at Serve had to unlock the account long enough for me to get my money out. Then they locked the account back up. I also filed a dispute at the same time over the phone. I was told it would take 10 business days for me to get an answer/resolution. I checked my email on the 10th day and it said my dispute had been declined. So I contacted Serve again asking for an answer. I was informed at that time that I needed to submit a dispute form and email or mail it to them. I did so immediately. I waited again 10 business days and then received an email on the 6th day declining the dispute yet again! As soon as I noticed that it had been declined I contacted Serve again and re-opened the dispute. Then yet again on the 2nd or 3rd day this time dispute was declined again. I contacted serve again and filed another dispute on XX/XX/XXXX. Just looked at my emails from yesterday and the dispute was declined again. I contacted them this morning XX/XX/XXXX and filed another dispute. I have filed a police report with XXXX Police Department XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
EXPERIAN IS SHOWING TWO DIFFERENT CREDIT REPORTS FOR MYSELF- ONE UNDER THE LAST NAME OF XXXX AND THE CORRECT ONE FOR XXXX XXXX. I HAVE REACHED OUT SEVERAL TIMES WITH MY ATTORNEY TO CLEAN UP THIS AND MOVE FORWARD. THEY ARE STILL SHOWING XXXX AND ALLOWING A XXXX CREDIT REPORT TO BE PULLED WITH INCORRECT ACCOUNTS, BALANCES, NAMES, LOCATIONS, ETC. 
THIS IS NOW GOING ON 6 YEARS I HAVE ASKED THEM TO CONSOLIDATE AND CLEAN UP MY REPORTS.

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 2022-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I am having issues getting a hold of someone in Mohela. I qualify for the XXXX administration debt relief for low-income load borrows. It is impossible to get someone on the phone regarding the process and to get knowledge on what will be forgiven. I have called on numerous occasions with the wait time being as long as XXXX hours and no one ever comes on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: NH

Complaint narrative:
Getting harassed by XXXX different collection agencies over a soon to be ex wife 's and mother in law 's XXXX XXXX XXXX  phone bill. first time was disputed back in XXXX XXXX today XXXX I received a letter from Sequium Asst Solutions LLC over the same phone bill. on there letter states on XXXX they are looking for {$1500.00} for a back XXXX XXXX XXXX  bill from my soon to be ex wife and her mother. I called the company. all the person wanted was money and demanded me to pay it buy XXXX. Didn't care why or how the bill was in collects to begin with. All the person wanted to was to reduce the bill to {$1200.00}. i am still fighting to get this bill and others but I am waiting for the courts to sort everything out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the fair credit reporter XXXX XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX # XXXX Date : XXXX. has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions or consent under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

XXXX has reported the following : XXXX XXXX XXXX XXXX XXXX  ) : For a debt that can not be verified. The debt does not belong to me. 
XXXX XXXX : XXXX  DAYS LATE XXXX  XXXX : XXXX DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX / XXXX : MY ACCOUNT IS NOT CLOSED THE COMPANY CHANGED. REFLECTING A CLOSED ACCOUNT IMPACTED MY SCORE NEGATIVELY. 

Equifax has reported : Collections : ( XXXX XXXX ) XXXX XXXX : XXXX DAYS LATE XXXX XXXXXXXX : XXXX DAYS LATE XXXX : XXXX XXXX : XXXX DAYS LATE XXXX XXXX : XXXX  DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : LATE & OUTSTANDING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions or consent under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

XXXX has reported the following : XXXX  XXXX XXXX XXXX XXXX  ) : For a debt that can not be verified. The debt does not belong to me. 
XXXX XXXX : XXXX DAYS LATE XXXX XXXXXXXX : XXXX  DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : XXXX & OUTSTANDING XXXX / XXXX : MY ACCOUNT IS NOT CLOSED THE COMPANY CHANGED. REFLECTING A CLOSED ACCOUNT IMPACTED MY SCORE NEGATIVELY. 

XXXX has reported : Collections : ( XXXX XXXX ) XXXX XXXX : XXXX DAYS LATE XXXX  XXXX : XXXX DAYS LATE Experian : XXXX XXXX : XXXX DAYS LATE XXXX XXXXXXXX : XXXX DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : LATE & OUTSTANDING

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 2022-10-13 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: LA

Complaint narrative:
In accordance with the fair credit reporter act XXXX XXXXXXXX XXXX XXXX XXXX amount XXXX XXXX # XXXX Date : XXXX. has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish your account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the fair credit reporter act XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX # XXXX Date : XXXX. has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish your account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TN

Complaint narrative:
I requested a student loan refund of {$20000.00} from Edfinancial Services for payments made during the XXXX pandemic on XX/XX/2022. I was told that the request would be processed in XXXX days. I did not receive any form of confirmation that the refund had been processed or that it was pending processing. I called EdFinancial again on XX/XX/2022 to make sure my refund request had been submitted. The agent I spoke to confirmed that the request had been submitted. She also told me that there was no defined timeline for processing, reinstating, or refunding my student loans. I filed a complaint with CFPB due to the servicer 's lack of transparency. Shortly after making my complaint Edfinancial Services reinstated a balance of {$9900.00} to my account on XX/XX/2022. I received treasury checks equaling that amount in the mail on XX/XX/2022. {$10000.00} of my requested refund is still missing. I have called Edfinancial Services once a week to ask about the remaining funds. Each Edfinancial agent I have spoken to has said that the refund request is processing but they can not give me a disbursement date because the Department of Education controls the processing timeline. XXXX of the agents gave me the phone number to the XXXX XXXX XXXX XXXX XXXX so that I could speak with someone associated with the Department of Education. I called the number on XX/XX/2022. The XXXX representative I spoke with could not find a record of the request for the last {$10000.00} of my refund. I immediately called Edfinacial Services to figure out why they had not sent the Department of Education a request for the full {$20000.00} I had asked for on XX/XX/2022. The Edfinancial agent claimed that the request had been submitted correctly. She was not able to tell me why the Department of Education did not have any record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I know credit is my right and I also know that reporting to consumer reporting agencies are voluntary. I did not consent to it, this was involuntary. I did not consent to that report, this is a private transaction. 
I received an adverse letter from the application # XXXX, Citi XXXX # XXXX. The denial that I received from Citi was unfavorable to me and that is why this is adverse, but nothing under the definition that XXXX has provided for adverse action, 15 USC 1681 ( k ), gives you the right to deny me credit, which is defined by 15 USC 1602 ( f ), my right as a consumer. I credited this transaction as a creditor, as defined under 15 USC 1602 ( g ), from my credit card, 15 USC 1602 ( l ). And in turn created a creditor. As a person, as defined under 15 USC 1602 ( e ), Citi is an organization, an organization is not a living natural person. Further Citi has violated 15 USC 1602 ( p ), unauthorized use of a credit card. Citi did not have actual, implied or apparent authority to use my credit card from which the cardholder, myself, received no benefit. 

I tried to resolve this matter with Citi, and they denied. I have attached their response to this complaint. 

I am willing to let all of this go if Citi does the right thing and reverses this decision.

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 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
After being approved for a loan modification in which the value is much less then what is owed I decided to submit a short sale. The offer of XXXX was submitted and the appraisal was done at XXXX. Fay servicing closed the short sale without communicating to me the value or asking for any counter offer. I submitted an appeal, see attached. Fay failed to send this appeal to the investor stating over the phone in a recorded conversation that they don't have to send the appeal to the investor because I had a modification approved in XXXX. According to their servicing agreement with the investor they are not authorized to make appeal decisions on their own without investor input. It is very clear that Fay servicing is making their own decisions on files being approved and denied. In this case they denied my short sale so they can foreclose on the property and move the file to their XXXX department so they can continue to charge the investor for servicing the loan after the foreclosure is complete. The rep on the file was ( XXXX ) XXXX and his supervisor is no better, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I applied for a HELOC for my home with Citizens Bank. Citizens Bank first advised me that the appraiser required a mold inspection report to be done as I had mold or mildew in one bathroom, and that I had to pay for it. At the same time as advising me of this mold inspection requirement, two Citizens staff advised me that requiring such an inspection is highly unusual, as most bathrooms with a shower have mold and mildew, so it was surprising the appraiser would stipulate this. Upon hearing this information, I contacted the appraiser at XXXX XXXX XXXX about this mold inspection requirement. The appraiser told me it was a " lie '', she is not a mold expert and made no such representations in her report, and she does not use any of the " jargon '' indicated on the appraisal report sent to me from Citizens. Further, I simply cleaned the mildew off my bathroom and sent the appraiser and Citizens Bank 's Loan Officer pictures showing it was all gone. The appraiser said she would contact Citizens and the Citizens Loan Officer told me she would contact her appraisal department. Citizens then changed their statement and said they required the appraiser to modify their report and indicate in that report that a mold inspection was necessary. At that time Citizens stated it is in their guidelines to require a mold inspection when mold is visible. Thereby Citizens reversed its earlier statements about how strange it was for their to be a mold inspection requirement and that that requirement came from the appraiser. It seems inappropriate for Citizens to dictate modifications to appraisals as well. Citizens has certainly been telling me inconsistent facts. I believe Citizens is engaging in unfair lending practices. I can not know whether the cause is my ethnicity or the diverse XXXX community in which I live, but they engage in arbitrary and inappropriate business practices. As the cost for a mold inspection report in XXXX is {$370.00} and up, such additional expense would effectively make the HELOC cost prohibitive and unattainable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: VA

Complaint narrative:
I attempted to dispute these online via the application using XXXX, to no avail.I never authorized XXXX, Department of Education XXXX XXXX XXXX XXXX, or XXXX to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since XXXX, therefore all debt is XXXX and otherwise the responsibility of the United States. In accordance with XXXX XXXX Part XXXX and the Privacy Act of XXXX, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are XXXX years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are XXXX total entries totaling {$24000.00}. Transunion, XXXX, and XXXX are not even credit bureaus, they are private agencies playing with people 's lives. Straight 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 2022-10-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I attempted to dispute these online via the application using XXXX, to no avail.I never authorized XXXX, Department of Education XXXX XXXX XXXX  XXXX, or XXXX to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since 1933, therefore all debt is discharged and otherwise the responsibility of the United States. In accordance with XXXX XXXX Part XXXX and the Privacy Act of XXXX, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are 12 years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are XXXX total entries totaling {$24000.00}. XXXX, XXXX, and Equifax are not even credit bureaus, they are private agencies playing with people 's lives. Straight fraud!

Company response to consumer: Closed with explanation