vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
In XXXX, I was admitted to XXXX XXXX XXXX XXXX  for XXXX XXXX, I am a Veteran and was covered by XXXX, XXXX XXXX XXXX. There were two ( 2 ) claims that were improperly filed by XXXX XXXX XXXX : XXXX, {$1100.00} and {$1200.00} respectively, which they subsequently filed with Merchant Credit Guide Co., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had two conference calls with their manager, XXXX XXXX XXXX and included a representative from XXXX. In each instance, the representative from XXXX explained to XXXX XXXX that I was covered for the services under their policy, but that the vendor had improperly filed their claim and that if the vendor would properly resubmit their claim, it would be satisfied. XXXX XXXX said that he would follow up with the vendor and in the meantime place the dispute on hold, however subsequently my credit score on XXXX dropped by XXXX points to XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
U.s. bank reversed all or most of my charges to companies i made payments to. My car was repossed and other services were shut off including my cell service. At this point its in the thousands of dollars they are supposed to refund me. My car has been now sold at auction by the finance company. Im out of my car and all the payments i made for it over these years because of the mistakes. Not to mention all services being shut off on me. U.s. bank gov. Unemployment benefits over XXXX dollars

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 2022-04-13 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
FRCA Violation student loans DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE FRCA Violation collection XXXX  XXXX  FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 

Last XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2022-04-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 

Last XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2022-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I applied for loan in the amount of {$250.00} through affirm company on XX/XX/22. I purchased 3 items from XXXX  online to be delivered to store XXXX XXXX  XXXX XXXX XXXX Illinois XXXX XXXX I was notified by email to pick up items on XX/XX/22 upon arriving to store I was told 2 items were not delivered because XXXX XXXX  delivered 2 items to wrong address. I stated since they failed to deliver I wanted a refund. XXXX submitted refund. I submit all documents to affirm company in a timely manner about the problem with footlocker. On XX/XX/22 they stated I still owe {$250.00} even if I didnt receive items. The virtual card owned by affirm that was used was ending in # XXXX but on the XXXX  receipt the virtual card owned by affirm was ending in # XXXX. Loan ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX to Select Portfolio Servicing in XXXX of XXXX. Somehow Select Portfolio Servicing added an additonal {$2900.00} to the loan as attorney fees for a foreclosure which was dismissed one year prior to the transfer of my loan. 

I had appeared before Judge XXXX XXXX XXXX, Circuit Court oXXXX XXXX XXXX, Illinois, chancery Division Mortgage Foreclosure Section on Monday, XX/XX/XXXX for a foreclosure preliminary hearing and was referred to XXXX XXXX XXXXXXXX XXXX XXXX  attorney for XXXX XXXX XXXX XXXX. After contacting XXXX XXXX XXXX in writing the foreclosure case was dismissed on XX/XX/XXXX, eight months prior to being transferred to SPS. ( See attached XXXX XXXX XXXX. XXXX. ) Also, loan deferrment agreement between XXXX XXXX XXXX and XXXX XXXX XXXX list attorney fees at {$470.00}. ( See attached ) I also contacted XXXX XXXX XXXX who attest fact that only the loan amount of {$49000.00} ( the loan balance ), and {$470.00} ( attorney fees ) were transferred with the loan and they did fax me a copy of that transaction. ( See attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/2021 I had fraud on my account where XXXX tried to act my account over XXXX times on 2 separate occasion just 4 days apart. I was charged over XXXX in NSF fees by NFCU. After hours upon hours of trying to work this out, I was refunded those fees on XX/XX/2021 and my account was closed. I had a new checking and saving account opened and didnt hear anything about it until XX/XX/2021, when I had an IRS tax refund check deposited into my new checking account for {$5000.00}, and navy federal took every dollar of it to pay this charged off account. My statements show I was refunded the money and my account was closed. NFCU refuses to return the money even after its been proven by multiple representatives that work for NFCU, every time I get a different excuse and told someone will call me or there is nothing that can be done. They continue to lie and change story and hang up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
My phone was stolen while visiting a XXXX XXXX property. I wasn't able to check balances or anything because I didn't have my phone, and I continued to use the bank card in my posssession, however I did not immediately realize my XXXX XXXX account was hacked. I noticed four unauthorized charges in the amounts of : {$210.00}, {$100.00}, {$300.00}, and {$420.00}. I got my account pretty much drained. I submitted documentation, police reports and have also written to my state senator for assistance. Up to XXXX is suppose to be FDIC insured, and Chime came to a very quick ( 24hr ) decision that no error occured. I was robbed and they refuse to do anything about it because of a lack of manpower, in my opinion. This should not be happening to people who trust Chime with their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one bank XXXX & XXXX is reporting me late on my credit report when in fact my credit cards were compromised in the months of XXXX, XX/XX/XXXX, and XXXX of XXXX. 
I contacted Capital one bank and explained what was happing to my accounts. The representative disputed the charges and informed me that I was not responsible for making any payments until my account issues were resolved. I was also informed that I would be notified when to resume my payments. I was never notified by Capital One when payments resume. Because my bank account was compromised as well when capital one resumed collecting payments it was from a bank account that was already closed which resulted in them reporting my accounts as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There's so much going on with fraud and ID theft, and now that I'm paying closer attention to my report, I want to be sure it's accurate. I sent a letter to the bureau with attachments CLEARLY showing my name and address ( State ID - Social Security Card - Bill ). I don't understand why the corrections haven't been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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:
ON XX/XX/2021, XXXX XXXX XXXX XXXX PERFORMED A FEDERAL DIRECT CONSOLIDATION THAT I DID NOT AUTHORIZE OR APPROVE OF. I

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 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
President - I gave up on complaint number XXXX and sent through the usps certified with a notarized letter for my XXXX XXXX XXXX and to accounts savings too to close my accounts and send any remaining funds to my address XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX. I'll attach photos. do this now. signed president of the usa XXXX XXXX XX/XX/2022 XXXX est.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: WI

Complaint narrative:
I received the original letter from Planet Lending and initially was concerned that the Homeowners Policy had been cancelled when we refinanced. I called XXXX XXXX XXXX and they verified that I still had the Homeowners Policy and that it was current and that we had never had flood insurance on it since Ive owned it since XX/XX/2008. I then called Planet Lending customer service and they said they would look into it and get back to me. When I didnt hear back after a week I called them and was on hold for over 20 minutes.. I never heard back until last week when they sent me another form letter which mentions nothing about what they found out. Today I got ahold of customer service who said she saw the notes from the previous call and that it shows the cottage is in a flood plain. She was not able to answer when that was changed and she gave me the number for FEMA and told me to contact them. And that I had 45 days from the date of the original letter ( XX/XX/XXXX ) to get flood insurance or they would do it for me. I asked for an extension to get this figured out and she repeated what she had just said. Very unhelpful! I then called the FEMA number she gave me and the woman with FEMA said she had received several calls like this and she honestly did not know what to do with the call as the number was for disaster assistance. Im getting the run around and there is no way my cottage at XXXX above the lake on a cliff is in a flood plain. They want to charge me over XXXX on flood insurnace which is not needed. I have tried with no luck it seems like customer services doesnt care and wont help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: Mobiloans, LLC
State: TX

Complaint narrative:
XX/XX/2022 I contacted via Certified Mail Mobiloans llc. about an inquiry on my credit report that I did not authorize and informed them of the FCRA violation 15 USC 1681b ( a ) 3 ( f ) ( i ) and let them know that I do not have an account as defined at 15 USC 1693a ( 2 ) for review or collection. And I proceeded to inform them of more USC violations as well as civil liability damages of {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I informed them that they have ten calendar days to settle or I would see actual damages which are greater than the amount. They responded stating that they are unable to pay and refused to do so, as well as remove the inquiry. 
I responded with yet another letter filed XX/XX/2022 repeating my offer and informing them yet again of their willfulness to settle and furnish inaccurate information on my credit report citing civil liability for willful noncompliance 15 USC 1681n, 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer and USC 1681q obtaining information under false pretenses. 

I received no response. 

All correspondence is attached to this complaint. and I am ready to proceed both legal counsel to seek further damages if they do not remove this inquiry, and abide by the law that they clearly are in violation of.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-13 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: Rock Creek Capital, LLC
State: NC

Complaint narrative:
I worked for XXXX, I leased a car from them in XXXX. The arrangement was that I could keep the car and at the end of the lease term, buy the car or return it. 
XXXX is an XXXX XXXX program and each week you were allowed to receive your earnings by cashing out XXXX took their money for the lease payment off the top. Therefore I was never unable to pay my account. If I didnt work for a week, they took it out of the next week. I could not receive my money until they had theirs. 
Im XXXX, I stopped working for them, purchased a truck and called XXXX about returning their car. I was told to remove my possessions and tell them where the car was located and they would come pick it up. 
Now XXXX  years later this company is stating I owe money for cleaning and towing of the car, and for past due payments. I called the company and asked them to provide proof, they didnt do anything. XXXX  months later they reported it to collections and somehow the dispute was verifiedhow? No one provide me with any information at all, even the credit bureau. I did my own research and the title trust they are saying is the original creditor is no longer even in business. It seems to me people are making these last ditch efforts to squeeze money out of people because they lost so much during Covid. Not my fault, not my problem. This is absolutely not a verifiable debt and I cant believe you can just put things in peoples credit reports with out penalties when they are lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NC

Complaint narrative:
On XX/XX/2022, I found out an account was opened in my name on XX/XX/2022 with XXXX Credit Card, XXXX Georgia, in which XXXX XXXX XXXX XXXX was purchased. The information was reported on my credit reports. The credit was for the amount of {$4000.00}. I contacted XXXX and received no response from them. They were suppose to contact me from the fraud department within 3 days but I have yet to hear from them. I contacted the company XXXX on XXXX XX/XX/2022 and informed them that it was a fraudulant account. They were not helpful at all. Stated it was my information so implied it was my account regardless of how much I tried to explain that I did not open the account. Contacted the XXXX fraud department and found out the person used my name, address, ss # and date of birth but used a different email and phone number. On the same date, XXXX XX/XX/2022, that I spoke to the fraud department and informed them of the fraudulent activity, I received an email stating that they updated my account with the correct email and phone number as requested. I clearly informed them that I did not have an account with them and was attempting to report fraud, not update information. I was sent a Fraudulent Affidavit application emailed to have signed and sent back with the appropriate information. Information was certified and sent via email because I was not able to fax it to the fax numbers they provided. I had not initiated a police report at that time because I was not aware that I had to. The company received the affidavit on XXXX XX/XX/2022 and stated that it was under review. I also had my credit frozen and notified the social security office of fraudulent acctivites being initiated using my social security number. I initiated a police report on XXXX XX/XX/2022 but was told they could not do much since it was out of state. I was instructed to initiate this report by the social security office and the XXXX XXXX Sheriff 's office. I have also had other accounts of someone attempting to use my identity to obtain loans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but I was able to resolve those issues.

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 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
I received repeated calls ( weekly ) from these types of number ( XXXX ) claiming to be representatives from Hunter Warfield. The man told me I owed about {$17000.00} to a leasing company that owns XXXX XXXXXXXX XXXX I told him I never lived there. He provided the address ( a place in XXXX ) I said I do not recognize it. He asked for my date of birth and last 4 digits of SSN to verify it was me. He said the DOB did not match but the SSN was the same. He said he would file a claim for fraud. Then ended the call. I was still skeptical so I checked my credit report and theres no such charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Submitted all necessary paperwork for fraudulent inquiries to be removed over 30 days ago with no correspondence. Recently called Transunion and a rep in the Fraud Department says that she will not investigate or remove anything and hung up in my face.

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