vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX Received YOUR response on my complaint. I still to this day have not received anything stating they denied the claim. I was told when I called in the complaint that not to pay the item and disregard the late fees and interest. I was confused on their reply, they did not even investigate the complaint. I called XXXX XXXX and was told they had not call on the charge. I have been as customer for more than 25 years on this card. It is great until you have a problem I had to mail in XXXX letters to XXXX different address and was told they never got them. on my XXXX call to the customer care ( a joke ) one person told me I need to do this on line. Which I did, I believe a total of 5 times and sent in all the information along with the reservation print out that states it is a free cancellation. They did not even call rXXXX  or XXXX to find out why both charged a fee of XXXX. Within XXXX minutes of my booking I called rXXXX and was told to late so sorry. I then called COMENITY BANK and told them not to pay this amount, was told can't do this until it hits your bill. Call back in a few days ... which I did. This is when this bank turned XXXX and XXXX. I would like the information they received when they investigated this and the people they spoke with. This is not a BANK it's a loansharking operation. Their reviews should have already shut them down. Who will investigate them?? This amount needs to be removed from my closed account. The only call I received from the COMENITY BANK WAS FROM THEIR COLLECTION DEPT. HE HAD NO CLUE ABOUT THE PROBLEM AND COULD CARE LESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: NC

Complaint narrative:
Equifax reinserted accounts that had been deleted and did not follow 1681 ( a ) ( 5 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I wired money to a person who was going to invest it in crypto. My money would mirror his trades. I did {$100000.00} on XX/XX/2022. Then {$50000.00} on XXXX XXXX, then {$50000.00} on XXXX XXXX, and finally a {$30000.00} on XXXX XXXX. All these wires were sent from my Wells Fargo to his XXXX XXXX XXXX Bank. It all went to XXXX, where it was transferred to bitcoin and then sent to his crypto wallet : XXXX Please help. Im devastated. 

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 explanation
Consumer complaint received 2022-09-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XX/XX/XXXXAccount # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-09-20 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: CO

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: MOHELA
State: FL

Complaint narrative:
MOHELA took over my loans in XXXX. XXXX was my final payment under PSLF waiver. In early XXXX I submitted a certification of my last four payments for PSLF loan forgiveness. In writing, MOHELA said this would take 7-10 days. The waiver ends in XXXX. It is now near the end of XXXX, and nothing has happened. They won't even acknowledge my last four payments qualify. 

I called customer service about 14 days ago and they said it would take 6-8 weeks to process and the email was wrong. I asked to speak to a supervisor. Supervisor XXXX told me my load forgiveness would be escalated, and that its processing would be in writing. She never sent me the confirmation in writing and my account still shows four payments to go, which is incorrect. 

This is an unfair and deceptive practice from a loan servicer. The waiver ends in XXXX and their delay is affecting my rights. XXXX gave me reference number XXXX and her number is XXXX x XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TX

Complaint narrative:
I am a natural person, I am

a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I hav
e the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want all collection accounts deleted asap! they do not belong to me and Ive provided this company proof over 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: MT

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX Acct : # XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-09-20 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: MT

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
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 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 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 XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: CA

Complaint narrative:
I have made on time payments since XXXX. My credit report says I have a severely delinquent account. After two years of disputes I received a letter from XXXXXXXX XXXX XXXXXXXX XXXX stating they did not report a delinquency in XXXX after I filed a 4th dispute in XX/XX/XXXX. My Experian report is still showing delinquency on a closed account on XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX when I filed disputes. None of those should be on my report. This has made it so I cant qualify for a house or car loan because their report flags my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE TRIED TO REACH OUT TO THIS COMPANY TO GET THESE INQUIRES REMIVED THAT I DID NOT AUTHORIZE, YET THEY STILL WANT TO PLAY GAMES WIHT PEOPLE 'S FUTURE, THEY HAVE VIOLATED MY RIGHTS OVER AND OVER AGAIN AND I HAVE HAD ENOUGH. THEY HAVE REMOVED AND PUT WRONG INFROMATION TO MY CREDIT REPORT ALSO AGAIN BREAKING THE LAW. THE INQUIRES I DO NOT RECOGNIZE MUST COME OFF IMMEDIATELY Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1.Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX 2.Creditor XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 3.Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4.Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 5.Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 6.Creditor : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act , you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, 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 2022-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I took out an equity line of credit on my home ( XXXX XXXX XXXX XXXX XXXX NC ) with Truist Bank. The property was sold on XX/XX/2022. The Payoff amount was {$270000.00}. The attorneys ' office XXXX XXXX ( XXXX, NC ) was instructed to send a check overnight for {$280000.00} to the banks XXXX office.. Since the closing was on Friday they sent a check on Monday XX/XX/XXXX via XXXX. The check was delivered at XXXX XXXX  on XX/XX/XXXX and signed for by a XXXX XXXX. After waiting two weeks I called to find out about a refund for the extra funds that were taken and told that the check was never received. I went to the attorney 's office on XX/XX/XXXX and secured copies of the payoff instructions and proof of delivery. I was told the check was not cashed and that they could put a stop on it and issue a new one if there was a problem. I took the documentation to the local Truist Branch where I had taken out the loan and gave them to XXXX XXXX asst. VP at the branch. She called the XXXX office and they supposedly opened a ticket. I called XXXX XXXX on the XXXX and she called XXXX and was told they were working on it but needed more time. I have tried myself to get in touch with the XXXX office but have had no luck getting any update. The attorneys office called me on XX/XX/XXXX to tell me the check has not been cashed nor has anyone from the bank called them to ask to reissue a check. They informed me that I have only 30th days to get refunded the extra money that was sent to Truist. I tried calling XXXX again and after a few minutes speaking with someone was cut off with no information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: VA

Complaint narrative:
I wrote letters to XXXX, XXXX, and TransUnion. I wanted to dispute the account reporting on my report on the grounds that they do not have the an original copy of the agreement with my signature on it. They sent letters back saying that they did an investigation but never provided original documentation of the agreement. I asked for names of the individuals who were doing the investigation. I have never received and names. I took the time to write and send letters that were notarized with a copy of my identification and SSN. I sent the first letter on XX/XX/2022 the second letter on XX/XX/2022 the third XX/XX/2022 the last letter XX/XX/2022. it cost me {$38.00} everytime to send four sets of letters that were notarized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: VA

Complaint narrative:
I wrote letters to Equifax, XXXX, and XXXX. I wanted to dispute the account reporting on my report on the grounds that they do not have the an original copy of the agreement with my signature on it. They sent letters back saying that they did an investigation but never provided original documentation of the agreement. I asked for names of the individuals who were doing the investigation. I have never received and names. I took the time to write and send letters that were notarized with a copy of my identification and SSN. I sent the first letter on XX/XX/2022 the second letter on XX/XX/2022 the third XX/XX/2022 the last letter XX/XX/2022. it cost me {$38.00} everytime to send four sets of letters that were notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
I never spoke with this company about a debt owed. Why am Im receiving a letter saying my settlement wasnt paid. Thats very inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: LA

Complaint narrative:
Multiple creditors are charging me for accounts that I have no knowledge of some the information is incorrect and I would like it 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 non-monetary relief
Consumer complaint received 2022-09-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a PayPal credit card bill for {$5400.00} in early XXXX, XXXX. 
I NEVER opened this account. 
I have NEVER made a payment on the account. 
This is Fraud. 

I contacted Syncrony Bank and told them that I never opened this credit account and that I only found out about it when I received the bill. It was well understood on the call that this was a case of fraud, and they assured me I would not be responsible for the {$5400.00}. I received a letter from them dated XX/XX/XXXX that confirmed I would not be responsible for the unauthorized transaction, and that the account had been closed. I then received a letter from Synchrony Bank, dated XX/XX/XXXX, and a Fraud Investigation Form that they requested I return by fax, which I did on XX/XX/XXXX ( I have the fax receipt ). 

On XX/XX/XXXX, I received another letter from Synchrony Bank, dated XX/XX/XXXX, denying my fraud claim because they said the account had been open for more than 12 months, and they said I had made a payment. The initial fraud was initiated online, and I was only made aware of it because of the past due bill I received in the mail in early XXXX of XXXX. I assume the payment they received was sent online by the person who opened this account. I HAVE NEVER HAD AN ONLINE PAY PAL ACCOUNT, AND I DID NOT REQUEST OR EVER RECEIVE A PAY PAL CREDIT CARD. I ALSO HAVE NEVER MADE A PAYMENT ON THIS ACCOUNT THAT I DID NOT OPEN. 

I received a new PayPal credit card bill which shows a statement closing date of XX/XX/XXXX. This bill has a different account number and the description of the charges states it is a balance transfer from the initial fraudulent credit card that they had closed. So they have created a new credit card account without notifying me they were going to do so, and without my permission. The total balance on this bill is now {$5500.00} because they have charged interest as well. 

I contacted them on XX/XX/XXXX and explained everything to them again. They have re-opened the fraud investigation and stated " the matter will be resolved in 30 days ''. 

I am filing this claim with the CFPB to ensure there is a record of this fraud, and to ensure I am not liable for the fraudulent charge.

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