vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I submitted an application for a CareCredit card via their website carecredit.com I was not approved for the card that I applied for, but I was prompted to add a cosigner to the account. My uncle agreed to cosign. When the card arrived, I was not listed on the account at all my uncle was upset that he was assigned primary account holder as that is not what we signed up for. Furthermore, I was the original applicant not him. I figure it would be an easy fix and they would add me to the account since I was the applicant. We called CareCredit/Synchrony bank and informed them that there was a mistake on their behalf. We informed them that they made the cosigner the account holder and that I the applicant was not listed on the account, and asked if they would be able to fix the problem? to which they said no they could not add me to the account, if I wanted an account I would have to reapply. To which I told them no I would not apply again as I already applied with a cosigner and that this was not right. I told them that there must be some kind of glitch in their website, and that they need to take accountability for this mistake but that was the only solution they offered me. I called the card company several more times alongside my uncle to fix the issue and even speaking to the fraud department and they were not able to help us. I asked that they provide the original application and they stated that they had NO application from me which is not true/ My uncle closed the account do to its fraudulent nature. Synchrony Bank assigned and issued my uncle as the account holder when he didn't even apply for the card and on top of that they claimed they did not have an application from me when they in fact pulled my credit. Lastly, they practiced horrible customer service by not helping us come to a fair resolution.

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 2024-04-11 00:00:00
Product: Credit reporting 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: PR

Complaint narrative:
The credit reports show a XXXX XXXX on my credit that is not mine, I asked the credit company to delete this XXXX XXXX on my report, but it took more than 30 days and they didn't send me the investigation, and the account is still on my credit report. Please investigate this ; XXXX  XXXX XXXX XXXX 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc.
State: NC

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

Account XXXX : Money Lion has violated my rights. 
Account Number : XXXX 15 U.S.C 1681 section 602 A - The section that affirms my right to privacy and confidentiality. 

15 U.S.C. 1681 section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
In XXXX, XXXX, I received the letter of congratulations and a refund from Mohela. In fact, not only had I fulfilled the XXXX months, but I had overpaid. They issued a refund for the overpayment. 

Recently, I received a letter from the Federal Loan Department saying that they were very sorry but I have not yet fulfilled the requirements. 
Overall, I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX and I am XXXX XXXX XXXX and single. I have fulfilled the requirements of the XXXX Obama Deal which was XXXX payments while in public service. 

I worked for XXXX years in XXXX XXXX XXXX, then was unable to continue, due to health concerns. Fortunately, I had made a deal with Obama in XXXX and by XXXX I had fully paid this off, but my loan had changed hands and somehow they lost track of me. I would like to repeat this : I paid this off. 

Since XXXX, I have XXXX XXXX XXXX XXXX XXXX XXXX  for a company called XXXXXXXX XXXX Online, I am paid XXXX as much and I work with the XXXX XXXX XXXX XXXX and more. In this job, I am required to keep my XXXX XXXX XXXX, and in fact I have completed the requirements to be a XXXX XXXXXXXX in CA as well, which has meant XXXX or XXXX tests, including an XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In fact I usually have about XXXX XXXX at XXXX time, with no summer break. I'm fine with all that because it allows me to work with XXXX XXXX XXXX 


To repeat, I am XXXX XXXX XXXX now and have retired from the XXXXXXXX XXXX. This helps me survive but I am not able to walk back into the XXXX XXXX XXXX setting, much less work there. 

Please help me with this. Please don't just repeat what they said, because that does not help. 
Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Upon reviewing my credit report, I have discovered that your agency has furnished and/or obtained my personal information without my explicit written consent, as required by law. Under the Fair Credit Reporting Act, Section 1681b, it is mandated that consumer reporting agencies must obtain written consent from consumers before disclosing their private information to third parties. 
I would like to formally state that I have never provided written authorization for your agency to furnish or obtain my private information. Therefore, any disclosure of my information without proper consent is a violation of my rights under the Fair Credit Reporting Act. 
I hereby request that you promptly remove the following closed accounts from my consumer report : XXXX XXXX XXXX : Acct # XXXX XXXX : {$1000.00} XXXX XXXX : Acct # XXXX XXXX : {$3700.00} XXXX XXXX XXXX Acct # XXXX XXXX : {$25000.00} XXXX XXXX XXXX Acct # XXXX XXXX : {$6000.00} XXXX XXXX XXXX Acct # XXXX XXXX : {$34000.00} XXXX XXXX Acct # XXXX XXXX : {$7800.00}

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I was instructed by an online operator to file a escrow waiver because I was having trouble with my escrow account being overvalued. I initially ask for a reanalysis of my escrow account, but the Valon Mortgage agent stated I must pay {$720.00} to generate a reanalysis. I did this. Then, I was told by another operator, XXXX ( XXXX ), that I had to submit a request for a waiver. So I submitted a waiver. I have been denied three times for a waiver by Valon Agent XXXX, because XXXX says my LTV isn't below 80 %. This is false. My original home value is listed on their site as {$160000.00}, and my current Loan balance is {$120000.00}. When you equate LTV using the numbers listed on the website, my mortgage qualifies as being below the standard 80 %. This company will not honor, the rules and amounts listed on my account to correctly equate LTV, to approve my escrow waiver. This has been ongoing for about 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; As per in 15 U.S. Code 1692c ( see above ), I am requesting that the below debt collector cease all communications with me as well as stopping all communications of this debt to all consumer reporting agencies as I have refused to pay this debt as I have disputed it in the past with the original creditor and they advised that all of the equipment was returned, and debt associated was satisfied. 

Credence Resource Management XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Partial acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There was fraudulent activity on my Wells Fargo credit card, which I reported on the same day I received messages about suspicious activity. There were three transactions. Two of them were reimbursed, but one for {$320.00} wasnt reimbursed. I reported it four times, but the bank kept sending me a new card without returning the money. In the end, they sent me a letter claiming that this transaction was authorized by me, which it wasnt. I have an SMS from Wells Fargo that includes this transaction as suspicious activity. It is from the same merchant as the other two transactions, which they were able to remove, and it was made in 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 monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I am reaching out to address a concerning matter regarding the accuracy of my credit data within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate date that require immediate attention. For matters related to the accuracy of credit reporting, the Fair Credit Reporting Act ( FCRA ) is the relevant law. The FCRA governs the collection, dissemination, and use of consumer credit information, providing consumers with rights to dispute and correct inaccurate information in their credit reports. I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 
"

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
Accounts fees are being charged upfront ( frontloading fees in full ) example settled XXXX of my debts paid {$100.00} to creditor and collected {$3100.00} in fees before a second payment is made to the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon carefully examining my credit reports, i discovered several unfamiliar hard inquiries in question are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Upon carefully examining my credit reports, i discovered several unfamiliar hard inquiries in question are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have reached out several times to wells Fargo, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXXXXXX XXXX XXXX ALSO THE CREDIT REPORTING AGENCY due to the FACTS that 15 USC 1666b there is no such thing as a late payment. 15 USC 1681i I have the right to privacy which was violated because I never gave written consent to post anything to my credit report also 42 USC 408 they are all in violations of Rico which is a crime they can do jail time as well pay a fine. Every single contract was based off of fraud because I was never given full disclosure. I asked for a lawful contact in wet ink signature which no one could provide also we the people are the credit at the moment of signing they give triple the amount of the loan and they fill a 1099 on top of that which would be double dipping. I have reported these companies to the XXXX  and the United States courts of federal Claims due to misconduct everyone have been commiting fraud against we the people and I have several documents to prove it I would appreciate it if they would remove this illegal unlawful accounts off my report immediately.

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 2024-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: NY

Complaint narrative:
I have been paying my XXXX XXXX student loan of approximately {$70000.00} for 21  YEARS. I have paid on time. My interest rate is 3.5 % interest. After 21 YEARS of payments, ED Financial says I still owe {$68000.00}. My husband, who took out XXXX  loans with XXXX at the same interest rate at the same time, now has a balance of {$38000.00}. I have contacted Ed Financial several times to ask for clarification about how this arithmetic is being done and can not get any information, plan, supervisor. Nothing. They are absolutely unresponsive. Customer service is non-existent. If I type my information ( length of loan, interest rate, principal ) into an ordinary online loan calculator, I get that my balance should be around {$30000.00}. But according to ED Financial, my balance is more than double that figure, and they are not being held accountable to disclose how they are calculating my loan and why it's still so high. 
On top of all that, no two phone reps ( after hours of waiting ) have the same information. I do not feel heard and I do not feel informed about my options for refinancing. When they told me to sign up for income-driven repayment plan, my monthly plan DOUBLED. I am nearly XXXX XXXX XXXX and I on social security.

Company response to consumer: Closed with explanation