vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
I am writing to file a complaint with you about my mortgage lender ( loan depot ). They raised us almost {$600.00} a month for our FHA loan due to the fact that their companies merged and the new company wants 2 months in escrow. Weve had the mortgage for XXXX years now and this has never happened until they merged. We got the news right before the holidays. Ive requested to not have escrow but due to my loan I have to have it. Ive also asked to cut it up in lower payments and still nothing. We can barely afford our mortgage now never mind raising it even more. This is completely unethical and unwarranted especially with a government loan.We cant even get our person back on the phone again from them and have left numerous messages. Can someone please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have been trying to get the info corrected on my credit report since XX/XX/2022. 
I paid a judgement off in full to XXXX XXXX clerk of the court in XXXX XXXX in amount of {$10000.00} It is public record that the judgment was released. There is even a release of judgment sent to XXXX  from clerk of XXXX court releasing the judgement. There is a copy of the certified letter that XXXX XXXX at XXXX XXXX signed for the check and release and check was cashed per XXXX XXXX clerk of court. However my acct still shows as open and the balance owed has increased. 
I contacted all 3 credit bureaus as well as XXXX XXXX  and I can not get this corrected. 
XXXX deleted the XXXX acct after reviewing the documents. However the other 2 XXXX and Transunion just keep telling me they contacted XXXX and they say info is correct. It is NOT. This has affected my ability to take on any credit, car, credit cards etc For 8 months i have been trying to get this resolved. XXXX transferred my calls and then hung up on me twice!! All the info is public record on XXXX XXXX XXXX it takes XXXX seconds to look up on their website but, XXXX will not correct this issue, nor will XXXX or transunion.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
I have been trying to get the info corrected on my credit report since XX/XX/2022. 
I paid a judgement off in full to XXXX XXXX clerk of the court in XXXX XXXX in amount of {$10000.00} It is public record that the judgment was released. There is even a release of judgment sent to LVNV from clerk of XXXX court releasing the judgement. There is a copy of the certified letter that XXXX XXXX at LVNV funding signed for the check and release and check was cashed per XXXX XXXX clerk of court. However my acct still shows as open and the balance owed has increased. 
I contacted all 3 credit bureaus as well as LVNV funding and I can not get this corrected. 
XXXX deleted the LVNV acct after reviewing the documents. However the other 2 XXXX and XXXX just keep telling me they contacted LVNV and they say info is correct. It is NOT. This has affected my ability to take on any credit, car, credit cards etc For 8 months i have been trying to get this resolved. LVNV transferred my calls and then hung up on me twice!! All the info is public record on XXXX XXXX XXXX it takes 2 seconds to look up on their website but, LVNV will not correct this issue, nor will XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX Equifax database was breach and the courts have ordered them to settle. My personal information was apart of the XXXX millions of people impacted. I discovered the information on XX/XX/XXXX and went to Equifax website and found out that I am a victim of identity theft and a cyber crime due to my personal information was stolen from the computers of Equifax. I have started the process to protect my information by filing identity theft report, police report and have paid for classes to help educate me on the law and the processes of claim. After going over bank statements and credit reports there are discrepancies I am investigating. It has been a overwhelming process and a very scary scenario. I fear that cyber criminals will continue to use my information, therefore I will be negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: EQUIFAX, INC.
State: OK

Complaint narrative:
The following accounts are inaccurate on my report Accounts 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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Paid Barclays Banana Republic {$2400.00} XX/XX/2022 XXXX XXXX  posted payment XX/XX/2022 I have mailed ( return receipt requested ) thru XXXX XXXX faxed, and discussed with Barclays reps proof of payment, providing the copy of the check, front and back. Check # XXXX cashed XX/XX/2022. 
On the back of check : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BARCLAYS. XXXX Today XX/XX/2022 marks 3 months of dealing w/this My payment never credited.

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 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
Kia motor finance gave me a payment arrangement on the XXXX of XXXX. On the XXXX of XXXX they picked up my vehicle and charged me {$800.00} for repo fees and would not pull the recorded phone call to show that there was an arrangement. They refuse to help with the fees on this matter.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
On XX/XX/2022 a hard credit inquiry was put on my XXXX XXXX credit report. On XXXX XXXX XXXX XXXX XXXX, this is listed as : SYNCHRONY FINANCIAL ( Finance ) In XXXX XXXX 

On XXXX XXXX website, it is listed as : SYNCHRONY FINANCIAL XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual I contacted Synchrony Bank by both web chat and phone. They could not find any new applications that would cause this inquiry, for my SSN. Synchronys recommendation was to contact XXXX XXXX, to find what the exact type of account, because Synchrony can not investigate the situation without the full information. 

I contacted XXXX XXXX, and they told me the hard inquiry can not be removed from my account without both me and Synchrony bank postal mailing XXXX XXXX the proper documentation to have this removed. I told the XXXX XXXX rep that Synchrony could not find anything and could not investigate without further information. The XXXX XXXX rep said, We can't disclose these kind of information 's since this inquiry has raised from their side we need a letter of authorization from their side in order for us to remove from the report. 

This may have been a potentially fraudulent account application at worst and an annoying ding to my credit score at the least. I had no part in this making its way onto my credit report and neither XXXX XXXX XXXX Synchrony Bank seem to be willing to help me with the situation. Slow walking and stone walling this process is not acceptable. 

I contacted XXXX and they told me exactly what I needed to tell Synchrony to dispute this as fraudulent. I called Synchrony Bank back and read them exactly what I was told to say. They looked it up with my SSN and transferred me to the Lowes Commercial department. They couldnt give me any further information, and suggested I contact XXXX XXXX. 

At this point, Im really not sure how to proceed, since neither is willing to give me any information or help in the slightest. Anyone have an idea on how to go about resolving this situation? 

Note : The inquiry is showing up as XX/XX/2022 on XXXX XXXX and XXXX XXXX. It is showing up as found on XX/XX/2022 on XXXX. I can not currently log back into XXXX XXXX to get the documentation directly from their site.

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 2022-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
One Main Financial pulled and accessed my XXXX XXXX, XXXX, and XXXX credit report without my authorization or permission. I never applied for a personal loan with One Main Financial. The credit inquiry from One Main Financial listed on my XXXX XXXX, XXXX, and XXXX credit report from XX/XX/XXXX is a fraudulent and unauthorized credit inquiry. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have previously sent a letter to XXXX, and Equifax XX/XX/XXXX, XXXX its been well over 30 days, I still have received anything back. According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are several inaccuracies on my credit report. 

All accounts referring to XXXX XXXX, XXXX 's XXXX 's, and XXXX XXXX are incorrect and were opened in an instance of identity threat. Please remove them immediately. 

All inquiries from the same ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ), as well as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( I don't know who this is ), XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank 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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have identified an incorrect account reporting on my credit report. This account violates 15US 1681e ( b ). XXXX, XXXX and Equifax refuse to remove the information from my credit report. I attached and highlighted the incorrect information and would like it removed immediately. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have identified an incorrect account reporting on my credit report. This account violates 15US 1681e ( b ). XXXX, Experian and XXXX refuse to remove the information from my credit report. I attached and highlighted the incorrect information and would like it removed immediately. 

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Got approved for an auto loan through XXXX XXXX XXXX XXXX  on XX/XX/2022. Upon approval I was given a list of participating dealerships that I could use the auto loan at, I chose to go to XXXX XXXX XXXX XXXX in XXXX, Ohio. It was there that I picked the car that I wanted to purchase with the loan that I was already approved for through XXXX  XXXX. After negotiating my monthly price down with the salesperson he proceeded to run at least 6 hard inquiries without my consent or knowledge. After the inquiries hit my credit report I went to the dealership to find out how this happened and they explained to me that when I said I wanted to purchase said car that they have the right to run my credit without my consent and that I shouldnt worry because they would all be counted as one and they will fall off my credit report eventually. I tried to contact the lenders directly and they asked that I file a police report but when I talked to the police they said it was a civil matter. My credit score has fallen over XXXX points because of the dealerships mishandling of my credit 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 non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Got approved for an auto loan through XXXX XXXX XXXX XXXX on XX/XX/2022. Upon approval I was given a list of participating dealerships that I could use the auto loan at, I chose to go to XXXX XXXX XXXX XXXX in XXXX, Ohio. It was there that I picked the car that I wanted to purchase with the loan that I was already approved for through XXXX  XXXX. After negotiating my monthly price down with the salesperson he proceeded to run at least 6 hard inquiries without my consent or knowledge. After the inquiries hit my credit report I went to the dealership to find out how this happened and they explained to me that when I said I wanted to purchase said car that they have the right to run my credit without my consent and that I shouldnt worry because they would all be counted as one and they will fall off my credit report eventually. I tried to contact the lenders directly and they asked that I file a police report but when I talked to the police they said it was a civil matter. My credit score has fallen over XXXX points because of the dealerships mishandling of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Got approved for an auto loan through XXXX XXXX XXXX XXXX on XX/XX/2022. Upon approval I was given a list of participating dealerships that I could use the auto loan at, I chose to go to XXXX XXXX XXXX XXXX in XXXX, Ohio. It was there that I picked the car that I wanted to purchase with the loan that I was already approved for through XXXX  XXXX. After negotiating my monthly price down with the salesperson he proceeded to run at least 6 hard inquiries without my consent or knowledge. After the inquiries hit my credit report I went to the dealership to find out how this happened and they explained to me that when I said I wanted to purchase said car that they have the right to run my credit without my consent and that I shouldnt worry because they would all be counted as one and they will fall off my credit report eventually. I tried to contact the lenders directly and they asked that I file a police report but when I talked to the police they said it was a civil matter. My credit score has fallen over XXXX points because of the dealerships mishandling of my credit 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 2022-12-28 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: VA

Complaint narrative:
Mohela correspondence states 90 business days to process, I submitted forms in XX/XX/XXXX and XX/XX/XXXX that remain unprocessed. When I called in XX/XX/XXXX, I was told that it could take up to a year to process. This is unsatisfactory, I've made at least XXXX documented payments, far beyond the required XXXX. My payments need to be immediately recounted as I've submitted all of the required paperwork and have been a federal employee since 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 2022-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
From XX/XX/2022 to XX/XX/2022, my Capital One Venture card was fraudulently used without my knowledge or permission for several XXXX purchases totaling {$400.00}. On XX/XX/XXXX I contacted XXXX, who confirmed that my Capital One card was NEVER used in my account or any of my family members. They told me I should file a dispute with my credit card company since this is obviously fraud. On XX/XX/XXXX I filed a dispute claiming fraud with Capital One. They immediately refunded me for these purchases with the stipulation that it would get reversed if they found evidence I benefitted from the transactions. On XX/XX/XXXX, the transactions were all reversed and I got re-charged by Capital One for the fraud purchases. I contacted Capital One, who told me that the case was closed without being able to reopen or appeal the case. I asked if they could provide any reason or evidence that I benefitted from the transactions, which they could not provide. Even though the original fine print said that they would reverse the transactions if they FIND EVIDENCE. I have since submitted additional evidence showing correspondence between myself and XXXX customer service showing that the purchases are fraud confirmed by XXXX. But I still have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: TRUSTMARK CORPORATION
State: AL

Complaint narrative:
1. I worked with an individual in XXXX XXXX to purchase a XXXX XXXX. We agreed on price and shipping. I investigated the seller and found no issues. I sought a bank wire transfer. I visited the local branch in XXXX, XXXX. As i was about to talk to an employee, another employee chirped aloud about a " scam '', without any information what so ever. I provided every detail. They ushered in a Security consultant '' whose knowledge about " scams '' is slim and none, a rank amateur, if there was one. This creep blocked the transaction and I missed the sale. 
2. XX/XX/2022. I sought a second secure purchase via XXXX and attempted a second wire transfer, That security creep, had " flagged '' my account! 
3. I was forced, at my expense, to do a " plan B '', send certified check overnight. 
RESULT : This creep caused me deep embarrassment and grossly insulted me, as a XXXX XXXX XXXX XXXX XXXX, it is elder abuse and discrimination. it is my business where I spend my money. With almost {$500000.00} in their bank, I suggest this fool become unemployed and a formal apology issued to me by the bank general manager..

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