vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 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: TX

Complaint narrative:
I have no association with the mentioned creditors, and I did not initiate the inquiry in question. I kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history.

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 2023-06-09 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: TX

Complaint narrative:
I have no association with the mentioned creditors, and I did not initiate the inquiry in question. I kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: TX

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.

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 2023-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
OPENED STORE ACCOUNT XXXX AND LATER OPENED STORE ACCOUNT XXXX  BOTH WITH COMENITY BANK. NEVER RECEIVED CHARGE CARDS- NEVER RECEIVED INITIAL STATEMENTS - DELAY IN RECEIVING STATEMENTS DUE TO BANK ERROR WITH MY ADDRESS - LATE FEES CHARGED - PAID OFF CLOTHES - SPOKE WITH REPS MULTIPLE TIMES TOLD FEES WOULD BE WAIVED - CONTINUED TO RECEIVE BILLS - CONTINUED TO CALL- CONTINUED TO HEAR FEES WOULD BE WAIVED - WAS REPORTED TO CREDIT BUREAU - IMPACTED MY CREDIT RATING UNABLE TO OPEN AN ACCOUNT AT MY BANK. 

CREDIT RATING RUINED DUE TO THIS BANK 'S ERRORS. WHY WOULD THEY DO THIS? I RESPONDED TO THEIR CALLS- I CONTACTED THEM A FEW TIMES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, WAKEFIELD & ASSOCIATES used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. WAKEFIELD & ASSOCIATES reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I consolidated my student loans from XXXX to Mohela and all my previous payment history is missing. These payments go back from XXXX XXXX. If these payments are added I will have over 120 payments and be in the loan forgiveness waiver category. I have submitted a complaint with Federal Student Aid which has been pending for months no resolve or movement. I have called numerous times to Mohela and received various answers but still no resolve. XXXX has sent me the payment history but there is nothing they can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
IN XX/XX/2023 I OPENED AND GOT APPROVED FOR A CREDIT CARD WITH XXXX XXXX XXXX  AND THE CREDIT CARD FROM SYNCHRONY BANK CREDIT CARD. SINCE I HAVE NOT RECEIVED THE PHYSICAL CREDIT CARD OVER THE MAIL, I CONTACTED THE CUSTOMER SERVICE DEPARTMENT AT SYNCHRONY BANK, I EXPLAINED THE SITUATION AND THEY TOLD ME THEY WERE GOING TO SEND A NEW CARD, BUT I NEEDED TO ANSWER SOME QUESTIONS. I AGREED, AND THEY STARTED ASKING THE QUESTIONS AS IF I HAD LOST OR IF THE CARD WAS STOLEN, THEY ALSO ASKED IF MY WALLET AND GOV ID WAS STOLEN OR LOST. I EXPLAINED TO THE LADY THAT I HAD NOT RECEIVED THE CARD OVER THE MAIL, AND THAT IT HAD NOT BEEN STOLEN. THAT THOSE QUESTIONS WEREN'T RELEVANT TO MY CASE. SO I ASKED TO SPEAK TO A SUPERVISOR, THE SUPERVISOR BASICALLY TOLD ME THAT IF I WOULD NOT ANSWER THOSE QUESTIONS, I WOULD NOT GET THE CARD. THEY MADE ME WAIT OVER AN 30 MIN AND THEN THE CALL GOT DISCONNECTED. MY CONCER IS THAT I WAS APPROVED FOR A CREDIT CARD IN THE AMOUNT OF {$12000.00} AND NOW I DONT HAVE A PHYSICAL CARD.

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 2023-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
A company called Lvnv funding is trying to say I owe credit one bank money. I have never signed any agreements with lvnv and have no knowledge of them. They are reporting negative information illegally on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
on XX/XX/2023 I went to my local 5th 3rd bank on XXXX XXXX, XXXX, IL and requested {$1200.00} to be wired to my cousin 's bank account in XXXX so he could pay my property taxes for the home I have there. The wire transfer was returned due to the local bank had input the wrong bank account number and XXXX number even though they had the printed document from my cousin 's bank with all the proper information. I found this out because my cousin said he never received the money, so I looked at the receipt the bank gave me. I called the bank and they looked into this and told me the wire was returned. I told them to cancel the wire as I had to give my other cousin who was out here visiting a check for {$1200.00} to give to my cousin so he could pay the taxes on time. Then at the end of XXXX the local bank called and wanted me to verify the bank account numbers, at this point I told them to cancel the wire, again, which they said they would do, then in XXXX I receive notice that they wired the money again, and it went through, I was upset as I told them to cancel the wire, which again was never done, I let my cousin know to watch for the money and to date, he has not received the {$1200.00}. I have tried multiple times to resolve this with the bank through their wire dept and dispute department, but no resolution, pretty much, I am out the money and they can not provide any documentation or information on their research that lead to them denied my dispute as to where the 2nd wire went, who did it, etc., no swift report, etc., and said I can not have copies of these documents. I asked to be transferred to their claim department to file a claim under their Errors & Omissions coverage as this was their mistake originally providing the wrong bank information as well as I did not authorize for them to put the wire through again and was never given any receipt for the 2nd wire transfer and I was told they don't have a claim department. So here I am out {$1200.00}, this is a major loss for me as I am XXXX XXXX XXXX with a very limited income. I am beginning to think that the local bank may have taken the money as they would not do what I told them to do and they keep trying to cover up their mistake. 

Time to look for a new bank!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09 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: NJ

Complaint narrative:
I am being forced into accepting a service subscription I do not agree or consent to. 
I always have a subscription to XXXX services paid annually in an amount less than XXXX XXXXXXXX for the past 5 years. But this year XXXX went behind my back to my credit card company Capital One Mastercard and charged on it {$130.00}. 
When I asked Capital One they said they paid that amount because I have a subscription with XXXX, therefore thy honored it. I sent proofs to Capital One about my subscription at a standard level protection with 5 licences covering up to 5 devices. 
The one they approved this year has 10 licenses which I never had. However, Capital One denied my fraud case as well as my dispute claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have received a wire transfer from a company that I personally know. And after that wire received I sent someoney to another company that I also.know personally for a show that they were doing for me. 
After that my account was freeze and founds are on hold for over a month I have called many times to asked them what happen they just say they are in investigation. 
I have even give the information from the two companies involved They still saying this is under investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: PA

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX ACCOUNT # XXXX In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2023-06-09 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: CO

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX XXXX XXXX, has violated my rigths. 

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. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested.

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 2023-06-09 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: CO

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX XXXX XXXX, has violated my rigths. 
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. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Mortgage In XXXX due to XXXX I lost my job. So, I called PHH Mortgage and I requested to go into Forbearance. I was denied. In XXXX So, next I asked for a Loan Modification. I was told that that XXXX XXXX  refused for a Loan Modification.!! Now, they are Foreclosing on my Home. They have a Sale date on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: PA

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX ACCOUNT # XXXX In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: PA

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX ACCOUNT # XXXX In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I was a victim of a scam on XX/XX/XXXX by a fraudulent contractor company. I sent a deposit of {$240.00} via XXXX  and have not received services. I have contacted Chase bank and request that they conduct and investigation and provide a chargeback for this fraud. However, they have refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I attempted to use my card and it was declined. I contacted the bank and was told that the card was closed by the bank. When I asked them why they cited vague reasons caused by some sort of system glitch. I had never missed a payment and had just paid off my balance on the card. I believe the card was closed because I pay my bill and the company only wants to keep accounts that pay high interest rates. They punished me for paying my bill. Because of this account closure I have lost access to my rewards dollars that I earned in good faith. The bank was Synchrony Bank.

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 2023-06-09 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: DISCOVER BANK
State: GA

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, DISCOVER BANK used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. DISCOVER BANK reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
On XX/XX/23 I opened a new money market savings account with FIRST HORIZON due to a promo rate special they are currently offering ( 5.38 % APY ). When I view my account online it shows the current interest rate as .6 %, not the higher promo rate. I called to question and she said that's just how the system shows it and she sent me an email stating the correct rate. So now I have an email, but their system is wrong. Can I trust them to calculate the interest correctly? 

Is that legit? They push you to do online and go paperless, but the system doesn't reflect correctly? Can I trust this bank?

Company response to consumer: Closed with explanation