vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a late payment on my report with SYNCB/XXXX  account but it was the same month that i paid the account off and closed the account so i don ; t think its possible that i could have a late payment. But i recently had my credit pulled and i have a late payment that showed up. It is damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company as well as call them to ask them to explain to me how this was late and the credit bureaus but have gotten nowhere. Anything you can do to help 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 2022-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
TSC Account Receivables is reporting a collection account on my credit files that is not mine. This account was opened fraudulently and is causing great harm to my credit score. I have never conducted business with this company or the company that sold this debt. TSC Account Receivables has never tried to communicated with me about this fraudulent account. DOB : XX/XX/1988 ; XXXX Account : XXXX {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: OH

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking number XXXX ) to TransUnion asking them to do a proper investigation and delete these erroneous accounts from my credit report : Account 1 : US DEPT OF ED XXXX XX/XX/XXXX {$5600.00} Account 2 : US DEPT OF ED XXXX XX/XX/XXXX {$1900.00} Account 3 : US DEPT OF ED XXXX XX/XX/XXXX {$3000.00} Account 4 : US DEPT OF ED XXXX XX/XX/XXXX {$3100.00} Account 5 : US DEPT OF ED XXXX XX/XX/XXXX {$11000.00} Account 6 : US DEPT OF ED XXXX XX/XX/XXXX {$6700.00} Account 7 : US DEPT OF ED XXXX XX/XX/XXXX {$6400.00} Account 8 : US DEPT OF ED XXXX XX/XX/XXXX {$6700.00} Account 9 : US DEPT OF ED XXXX XX/XX/XXXX {$12000.00} Account 10 : US DEPT OF ED XXXX XX/XX/XXXX {$12000.00} They stated that these accounts were properly investigated and verified but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and date last reported is not accurate. This is grounds for removal according to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). 

And to add insult to injury TransUnion has also violated my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these credit bureaus written permission to furnish these accounts on my credit report. I am requesting that the CFPB hold these bureaus accountable according to the law and delete those accounts. 

I have uploaded 3 accounts to you guys that demonstrate multiple reporting errors and inaccuracies.

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 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
I have received payment arrangements from XXXX XXXX XXXX of {$55.00} every two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Pennymac denied my loan application because they said they couldnt verify my occupancy. I have lived in the home since I bought the house. I did not have the forms that they asked for so I offered alternative forms that would prove my occupancy such as a pest control bill, a security system bill, and an internet bill. They said these documents did not prove I lived there. I offered other documents such as my pet adoption papers, property protection on my homeowners insurance and other alternatives however they still rejected my refinance. I have lived in the property since I purchased the home back in 2018 but they are stating that I have not and denied my refinance application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
All my private student loans are reporting incorrect information on my credit reports. 
All private students loans have been disputed over the past two years with the start of XXXX all student loans were removed due to inaccurate information for only three months and then placed back on my credit report only reporting to XXXX and XXXX not XXXX XXXX I have made serval attempts to all credit bureau to have all information completely removed from my report as information by law anything reporting to my credit report should be 100 % accurate and its not. All of my legal rights have been validated and i want to make a compliant. i have listed below the rights that have been validated. 

15 U.S.S 1681 section 602A. 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 an account without my written consent 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2022-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2022, I contacted Best Buy to have a payment allocated for a Promotional Purchase in the amount of {$680.00}. I was advised by an agent ( Best Buy ) that in order for the monies to be applied towards this promotion item, I will need to make my scheduled payment on XXXX. I have to contact Best Buy Allocation Department each time I am paying off a promotion item. It was never a problem before, on this one payment, I assumed it was done correctly due to all the payments in the past has posted correctly. I noticed the charge for the Promotional item was still showing up on my statement on XX/XX/2022. I contacted Best Buy regarding this and spoke with a Supervisor, who advised she would send this to the Back Door team and have them review the call on XXXX, this call was recorded for confirmation of the allocation payment, this would take 5 to 7 business days. I had a scheduled payment due XXXX, after making my payment, I called Best Buy again to ask why the Promotional Item was still showing up on my account. The representative of Best Buy advised the review was completed and because the payment was older than 2 billing cycles, that I would need to schedule a payment arrangement on that Promotional Item. I asked to speak with a supervisor, during my conversation with this particular supervisor, we discussed the previous supervisor notes and the outcome was unacceptable. As a consumer of Best Buy, I was assured that the payment would be posted and now I am having to make this payment again because the agent misapplied the monies.

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 2022-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I received an online bill for an account I never opened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of XXXX  I made an on-line request of citi Bank for a credit line increase for my Costco XXXX card XXXX I did not authorize a credit check. 
I received a written response ( attached ) denying my request, in part because I had not authorized a credit check. 
However, I discovered that citi nevertheless had conducted a hard inquiry. I wrote citi on XX/XX/2022 requesting that they remove the inquiry from my credit record ( letter attached ). 
I received a written response dated XX/XX/2022 ( attached ) with the dubious statement that citi was unable to locate the inquiry. I responded with a printout from XXXX showing the XX/XX/2022 inquiry ( attached ). 
citi responded with a letter on XX/XX/2022 ( attached ) that they were unable to remove the inquiry from my credit report. While my credit limit was increased as a result of the inquiry, my XXXX score has decreased because my amount of new credit is " XXXX '', in part due to the XXXX XXXX  inquiry. It is the only inquiry on my report this year. 
I had requested a similar increase for a XXXX XXXX credit card. When I was asked whether I authorized a credit check, I declined. XXXX XXXX did not increase my credit line and did not conduct an inquiry. My XXXX XXXX banker explained that he has indeed removed unauthorized inquiries for his customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I bought a vehicle from XXXX XXXX of XXXX in XX/XX/2022. 
I applied for my own loan with my bank. 

The dealership obtained another loan which I did not authorize from their preferred lender TD Auto Finance. 
XX/XX/2022 I have been paying my loan through XXXX  XXXX XXXX when I received multiple calls from TD Auto Finance demanding payment .I received an invoice from TD bank as well with late charges. 

XX/XX/2022 I ve reached out to the dealership -salesman XXXX XXXX and Finance Manager XXXX XXXX who have not returned calls. 

I drove to the dealership to request they cancel the fraudulent loan but they said they would call me back just wait. 

I called TD Auto finance to let them know I did not authorize the loan spoke a XXXX who says they need to hear from the dealership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My service provider granted me a XXXX forbearance on my XXXX loan, due to a reduction in my pay during times of XX/XX/XXXX- XX/XX/XXXX. At the end of the forbearance I was given a XXXX month trial period which i paid on schedule as directed. After the trial period the modification was fully approved and converted to XXXX fixed loan. 

However during the XXXX months of the trial period, my credit account was reported to the credit bureau as XXXX, XXXX and XXXX days late even though all payments were made on time as directed by the service provider. 

According to guidance i've received, the Cares Act states, " If your account is current when you are offered assistance and you follow the terms of the accommodation, your creditor should continue to report you as current ''. 

I need help getting the service provider to remove the XXXX, XXXX, XXXX  day missed payments from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
American Express is reporting that I owe an alleged debt in reference to account # ending in ( XXXX ). I am requesting that American Express provide verification of this alleged debt proving that I owe the company. Let 's be clear American Express hasn't loaned me anything and neither have I borrowed anything from American Express. The Truth In Lending Act never defines the terms loan or borrower. So why is your company stating that you loaned me money, or I borrowed money. I conditionally accept American Express claim of this alleged debt under the following conditions. Please provide me with a certified accounting ledger notarized and sworn to under the penalty of perjury to attest to the fact that American Express loaned me money, or I borrowed money from the company. Need I remind American Express that federal law ( 15 U.S. Code 1602 - Definitions and rules of construction ) defines a credit card as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. American Express should also provide me with some sort of statutory authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
All my private student loans are reporting incorrect information on my credit reports. 
All private students loans have been disputed over the past two years with the start of XXXX all student loans were removed due to inaccurate information for only three months and then placed back on my credit report only reporting to XXXX and Transunion not XXXX XXXX I have made serval attempts to all credit bureau to have all information completely removed from my report as information by law anything reporting to my credit report should be 100 % accurate and its not. All of my legal rights have been validated and i want to make a compliant. i have listed below the rights that have been validated. 

15 U.S.S 1681 section 602A. 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 an account without my written consent 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
All my private student loans are reporting incorrect information on my credit reports. 
All private students loans have been disputed over the past two years with the start of XXXX all student loans were removed due to inaccurate information for only three months and then placed back on my credit report only reporting to Experian and XXXX not XXXX XXXX I have made serval attempts to all credit bureau to have all information completely removed from my report as information by law anything reporting to my credit report should be 100 % accurate and its not. All of my legal rights have been validated and i want to make a compliant. i have listed below the rights that have been validated. 

15 U.S.S 1681 section 602A. 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 an account without my written consent 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
All my private student loans are reporting incorrect information on my credit reports. 
All private students loans have been disputed over the past two years with the start of 2018. all student loans were removed due to inaccurate information for only three months and then placed back on my credit report only reporting to Experian and XXXX not XXXX XXXX I have made serval attempts to all credit bureau to have all information completely removed from my report as information by law anything reporting to my credit report should be 100 % accurate and its not. All of my legal rights have been validated and i want to make a compliant. i have listed below the rights that have been validated. 

15 U.S.S 1681 section 602A. 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 an account without my written consent 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-07-12 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: TX

Complaint narrative:
FCRA violations inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX  # XXXX - XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX  XXXX  View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX  XXXX XXXX XXXX Date assigned XX/XX/XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX  - XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days 6 FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX XXXX this Previous address XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this FCRA violations : payments never late XXXX XXXX : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$19000.00} XX/XX/XXXX Pays account as agreed XX/XX/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