vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made numerous attempts to dispute this account, but unfortunately, I have not been successful. I have provided police and ftc reports as evidence of my identity theft, and I have also disputed the account on the grounds that the creditor has unlawfully altered the report. I kindly request that you remove this account from my credit report.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have connected XXXX XXXX for two years. I have hired a credit agency to help. XXXX XXXX has continued to report incorrect information to my credit file. When I call to speak with an XXXX XXXX agent, I am told my account is not with their office. They also go on to let me know that they can not look any of my personal information or account because my debit is not with their office. However, XXXX XXXX is reporting that I how over XXXX in student loan debt on my credit file.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was laid off due to the pandemic and called XXXX XXXX  to make accommodations to ensure my credit would not be impacted because due to my hardship. I recently check my credit report in XX/XX/XXXX. I called XXXX and was assured the late payments were in error and would be updated and removed. I checked my report again XXXX and XXXX and seen the payments still being reported. I contacted XXXX and Transunion and requested verification of me being late. I have not received a response and this is severly impacting my payment history. Reporting inaccurate late payments to my profile is in violation of 15 USC 1681 s-2 ( f ), those payments were covered under CARES ACT. After calling to ensure the LATE PAYMENTS ( XXXX, and XX/XX/XXXX ) reporting was in error, this further violates 15 USC 1666B.

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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently opened an Amazon XXXX co-branded credit card because of the outstanding benefits consumers enjoy when they use it to shop with Amazon services. Unfortunately, Chase Bank has decided to abruptly and unceremoniously end the relationship and wont even divulge any reasoning or logic behind this business decision. I have always paid the card in full and was never delinquent, so clearly the decision was fiscal, it was personal.

I understand banks have the right to end relationships with customers at any time for any real reason and vice versa. But it seems to me unjust that Chase approved this card to only then revoke it shortly thereafter - this will now negatively impact my otherwise immaculate credit score. I would have rathered you never approved me at all. At a minimum, the bank should give me more information.

It also seems inappropriate, unfair, and maybe discriminatory to block consumers from enjoying these promotional benefits for arbitrary reasons - there is a material loss sustained here as the injured party who can no longer enjoy the 5-6 % cash back bonus that I otherwise would be able to as an avid Amazon shopper , as other consumers freely do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
See document attached

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 2024-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.

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 2024-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Hyundai American Finance issued credit in my name for a truck I was not purchasing. Identity theft! Opened XX/XX/2023 for {$65000.00}. I have contacted the company multiple times and they are unwilling to acknowledge this fraud. After I had it removed from my credit with evidence I sent the credit agencies they insisted it was verified and had it reinstated.

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 2024-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
TSI trying to collect a debt that they arent the original creditor nor did they provide any verification that they are the original creditor or any other verification that they purchased the debt and I am required tho pay them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, Experian and 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 explanation
Consumer complaint received 2024-01-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XX/XX/2022 XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX The following personal information is incorrect

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 2024-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: CO

Complaint narrative:
XXXX XXXX  started the process for installing solar but we canceled the project in XXXX XXXX before any work was done. I received an email from Mosaic in XX/XX/XXXX that loan payment will start. After inquiring with both companies I found out XXXX XXXX took out a loan in my name in XX/XX/XXXX even though the project was canceled. 

XXXX XXXX admitted the loan was taken out by mistake and said they would start the cancelation process but after several days I didn't hear anything. I then contacted Mosaic and they said they would start the cancelation process from their end. After not getting anywhere after contacting them several times, I submitted a complaint with the Better Business Bureau. Shortly afterwards I was contacted by XXXX XXXX that they notified Mosaic about the cancelation. As of XXXX XXXX XXXX  I had no estimate for when this would be resolved and Mosaic recommended I still pay on XX/XX/XXXX to avoid negatively impacting my credit. 

Finally after making a XXXX  complaint about Mosaic I got confirmation that both companies agree it should be canceled and that it would be canceled within 10 to 15 days. They still recommend I pay to avoid credit issues. 

I heard nothing and finally contacted them on XXXX XXXX XXXX  and they said they are still waiting from funds from XXXX XXXX and as such I should still continue making payments. 
This is a fraudulent loan made well past cancelation and for services never rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear CFPB : Please look at the recently closed complaint XXXX. It was closed prematurely I checked with SPS today and now they are showing I have a negative escrow. 

This is not correct as they have never disbursed any escrow funds. They have collected from me {$1100.00}. They never sent me a refund. 

They were supposed to pay my taxes They did not I paid them along with the delinquent fee. There prior letter does not reflect their intention to reimburse me for the tax delinquent fee This has not been resolved and it is over 45 days

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Upon reviewing my credit file, I have discovered several inquiries and collections that are incorrect and fraudulent. These inaccuracies are damaging my credit score and financial reputation, and I request that they be promptly removed 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 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I was incorrectly reported 180 days late on my credit report by my servicer. I was under a XXXX forbearance plan which was coming to an end on XX/XX/2023 with my first payment becoming due on XX/XX/2023. I was still experiencing financial hardship and unable to resume payments. I reached out to my servicer requesting an extension and was advised that my investor only granted a 12 month extension. I was then given the option to submit a hardship application which I did on XX/XX/2023. My servicer approved me for a conditional Trial Period Plan on XX/XX/2023. My credit was supposed to be protected since I was under a COVID forbearance/trial period plan. The company failed to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made numerous attempts to dispute this account, but unfortunately, I have not been successful. I have provided police and ftc reports as evidence of my identity theft, and I have also disputed the account on the grounds that the creditor has unlawfully altered the report. I kindly request that you remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I had an account through XXXX XXXX XXXX ( XXXX ). I arranged payment of a personal computer and a subscription to XXXX XXXX, with annual renewal. That renewal was due XX/XX/. In that time I had a new debit card issued and the renewal payment was missed. The amount for information was {$76.00}. On or about XX/XX/XXXX   I received a call from an unlisted number. The caller claimed to be with XXXX. The caller said i had an overdue debt, and I needed to pay. I asked what debt it was, and they wanted my entire Social Securtity Number to discuss. I declined. I thought this was a scam. I received a letter from XXXX XXXX XXXX with an itemized bill indicating the bill was missed. XXXX XXXX XXXX had also added on {$65.00} of penalties. I called XXXX XXXX XXXX and told them of the experience. They agreed to cancel the penalties due to the circumstances and I paid the amount owed. In XX/XX/2023, XXXX transitioned their credit business to XXXX XXXX. In XXXX XX/XX/2023 i noticed that a negative credit remark had been made against me to all three credit bureaus. It lowered my credit score XXXX points. I called XXXX and they stated since XXXX had their credit there was nothing they could do. I should call XXXX or file a XXXX  complaint. I did. XXXX sent a resolution letter attached. I sent the XXXX  a response to this letter. 
XXXX states that they will not take any action. The penalties were refunded to me out of a courtesy. If I was in the wrong, then they should have never refunded the penalties. At the time I was granted this " courtesy '' refund nothing was mentioned about negative credit remarks. I consider this move a duplicitous action by XXXX. At least XXXX did discuss it with me, XXXX the account owner at the time refused to take action at all. The XXXX  recommended I file a complaint through this agency in their response to me. 
I consider this a personal offense to my good name and credit rating and I will not have it. I am well aware the chances of XXXX and or XXXX XXXX  retracting this remark are nearly XXXX. However, it is my right to complain and continue to seek a resolution or besmirch XXXX and XXXX at every opportunity.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I had an account through Dell Financial Services ( DFS ). I arranged payment of a personal computer and a subscription to XXXX XXXX, with annual renewal. That renewal was due XX/XX/2023. In that time I had a new debit card issued and the renewal payment was missed. The amount for information was {$76.00}. On or about XX/XX/2023 I received a call from an unlisted number. The caller claimed to be with DFS. The caller said i had an overdue debt, and I needed to pay. I asked what debt it was, and they wanted my entire Social Securtity Number to discuss. I declined. I thought this was a scam. I received a letter from Dell Financial Services with an itemized bill indicating the bill was missed. Dell Financial services had also added on {$65.00} of penalties. I called Dell Financial services and told them of the experience. They agreed to cancel the penalties due to the circumstances and I paid the amount owed. In XX/XX/2023, DFS transitioned their credit business to Comeinty Bank. In XXXX XX/XX/2023 i noticed that a negative credit remark had been made against me to all three credit bureaus. It lowered my credit score XXXX points. I called DFS and they stated since Comenity had their credit there was nothing they could do. I should call Comeinty or file a XXXX  complaint. I did. Comenity sent a resolution letter attached. I sent the XXXX  a response to this letter. 
Comenity states that they will not take any action. The penalties were refunded to me out of a courtesy. If I was in the wrong, then they should have never refunded the penalties. At the time I was granted this " courtesy '' refund nothing was mentioned about negative credit remarks. I consider this move a duplicitous action by DFS. At least Comenity did discuss it with me, DFS the account owner at the time refused to take action at all. The XXXX  recommended I file a complaint through this agency in their response to me. 
I consider this a personal offense to my good name and credit rating and I will not have it. I am well aware the chances of DFS and or Comenity Bank retracting this remark are nearly XXXX. However, it is my right to complain and continue to seek a resolution or besmirch DFS and Comenity at every opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
XXXX XXXX XXXX  - Received notification from the US Department of Education about Borrower Defense Application # : XXXX. I submitted two applications and sent in one via certified mail which was somehow also " lost ''. I am a member of the XXXX XXXX XXXX class action lawsuit and have received physical confirmation that my loans should be void from XXXX  XXXX XXXX. I have yet to see anything in follow-up to this lawsuit to which it states : " The Department will not deny your application without first providing instructions on what is required for a successful application and giving you the opportunity to resubmit your application. '' I am not sure why my loans haven't been dismissed as of yet. Also, I am unable to get any traction from my servicer Navient. They also keep trying to FORCE me into refinancing my loans so they will no longer be federal but privatized which is totally misleading. I want to know where all the money is going if loans aren't actually being written off. I am still incurring interest as my loans sit in forbearance which is negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had what I thought was a zero-interest offer from my XXXX  to buy XXXX XXXXXXXX. The company, Comenity Bank, AKA Bread Financial, has a misleading statement. They charged nearly {$700.00} on a {$1000.00} balance. I don't know how that is legal in the U.S. I'm not complaining for the money. The {$700.00} scam fee is unfortunately, but I'll just close the account. I'm worried about the potentially thousands of victims of this company because it operates in the healthcare financing space. Comenity Bank, AKA Bread Financial, is ripping off vulnerable people. I hope the CFPB makes an example of them.

Company response to consumer: Closed with explanation