vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 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: DE

Complaint narrative:
XXXX XXXX XXXX has reported information in credit report for medical debt. They report several different dates. XXXX XXXX XXXX complaint concluded that the original company responded they do not have an account with my information. The information was removed and is now reported again. Previous complaints submitted. It has been disputed and removed over XXXX times with trans Union, XXXX, and XXXX. Recent dispute requested a signature to validate that this is my account. This has not yet been received. Also requested proof of account opened XXXX as that is incorrect. The company has never provided information in writing as they did not have the correct address but during a complaint process Ive of the credit bureaus provided identifying information in the dispute. This company is not abiding by fair credit rules and the credit bureaus keep allowing this information to remove then get reported again.

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 2023-03-05 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: DE

Complaint narrative:
XXXX XXXX XXXX has reported information in credit report for medical debt. They report several different dates. XXXX XXXX XXXX complaint concluded that the original company responded they do not have an account with my information. The information was removed and is now reported again. Previous complaints submitted. It has been disputed and removed over XXXX times with XXXX XXXX, XXXX, and Experian. Recent dispute requested a signature to validate that this is my account. This has not yet been received. Also requested proof of account opened 2021 as that is incorrect. The company has never provided information in writing as they did not have the correct address but during a complaint process Ive of the credit bureaus provided identifying information in the dispute. This company is not abiding by fair credit rules and the credit bureaus keep allowing this information to remove then get reported again.

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 2023-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I asked the bank to send me 1099s that I need for my taxes. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I did not receive a Welcome letter/package from Specialized Loan Servicing ( including the new address to send my payments ) but I sent a payment to their general offices in good faith. However, not receiving an acknowledgment of the reception of this payment, I thought it would be prudent to postpone future payments until I received the official address to send them to, which I never received. 
After doing some research on Specialized Loan Servicing, I found out that their reputation was poor, so I reached out to them to request the Welcome Package. They only responded that they had sent the package. I then reached out to individual executive officers, but received no responses. After all this, I suspected that my payments would not be handled safely, so I stopped making payments until I could satisfy myself that they would be applied correctly. 
Specialized Loan Servicing sent me a letter assigning a Relationship Manager to my case to review/resolve my " delinquent payments. '' I took counsel with a benefactor and made two proposals to them and a regular monthly payment in good faith, all of which was rejected by Specialized Loan Servicing. 
Then, Specialized Loan Servicing increased the frequency of their phone threats to foreclose my house by the end of the year.

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 2023-03-05 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: OK

Complaint narrative:
i applied for a car loan and the car lot failed to tell me that i was denied for the loan. Without my authorization the car lot ran my credit to 26 other loan companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet Loan Services continues to refuse to fix a broken button when making a payment. When making a payment on its website, and when attempting to pay more than the minimum, there is a dialog box that pops up where you can check it so it does not advance the due date. Obviously Nelnet wants you not to check the box and tries to skip your next payment. Well that box has been broken for over six months now. I have asked three times over that period that they simple allow a person to check that box but they refuse to fix it. This is unacceptable. They should not be allowed to keep me debt longer through a broken website which they clearly are doing on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I am a consumer and Newrez doing business as Shellpoint Mortgage Servicing stole my identity and created a fake account with my information. They do not have my permission to use my social security number to create any accounts on my behalf and I did not sign for their account either. They keep harassing and threatening me with phone calls and unsolicited mail which is illegal for a debt collector. My telephone is on the national do not call registry but they break the law and still call me. The are to remove this illegal account from all my credit files, cease and desist their illegal activities and be held accountable for their fraudulent acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below AND EXPERIAN CREDIT REPORTING has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EXPERIAN HAS VIOLATED MY PRIVACY RIGHTS AND HAS IGNORED PREVIOUS FTC IDENTITY THEFT REQUESTS, I HAVE SUBMITTED ALL DOCUMENTS INCLUDING GOVERMENT ISSUED DTC REPORT AND COMPLAINTS. EXPERIAN IS NOT A COURT OF LAW, AND MUST HONOR ALL GOVERMENT DOCUMENTATION AS IT RELATES TO FRAUD ON CONSUMER ACCOUNT. 
ALSO, IF EXPERIAN CONTINUES TO REPORT ON ACCOUNTS I HAVE NOTIFIED THEM OF THAT IS FRAUD OR NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-05 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: FL

Complaint narrative:
I am an XXXX data breach victim. I was a part of the class action law suit against XXXX and was awarded some financial relief in reference to my information being leaked on the dark web. 
This is a violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ). 
I am submitting an identity theft report along with other personal identifiable information. 
Here are the fraudulent items that are a result of Identity theft : XXXX ) XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX These items are combined {$5600.00} of debt that I can not afford to have on my credit report. 
Experian credit report # XXXX I have filed a report with the Federal Trade Commission report # XXXX and attached it in this complaint. 
I have also attached personal identity verification documents in accordance with the FCRA 605B ( 15 U.S.C. 1681c-2 ) Which requires a personal statement, Identity theft report and Identity verification documents such as a drivers license and social. Thank you.

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 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter to company requesting that they validate the debt ( {$550.00} ) by sending me a copy of the original contract/agreement bearing my signature acknowledging the I consented to paying a debt to the company. I requested that the company respond to me within 30 days as it is my right under the FCRA and the FDCPA. 

The company has not responded to the request as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One/Lord & Taylor account was closed on XX/XX/2021 Paid as agreed with no owed balance. Under the payment history : XX/XX/2021 shows 30  days late. The account was never late 30 days and is reporting incorrectly. 
XX/XX/2021 shows 60 days late. The account was never 60 days late and is reporting incorrectly. 
XX/XX/2021 shows 90 days late. The account was never 90 days late and is reporting incorrectly. 

No balances were ever owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$210.00} XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX XXXX, printed in conspicuous form that the tendered payment was FULL SATISFACTION OF CLAIM and I mailed it to address provided for mailing payments as stated in the AFFIDAVIT OF TRUTH FOR FACT FOR RESPONSE OR REBUTTAL IN 30 DAYS OR DEFAULT ET AL. All mailed instruments/ documents were an : Affidavit of Truth For Response Or Rebuttal Within 30 days of Default ET AL , Exhibit A " Accepted '' State of account and returned for Deposit Entry for credit card Account ended in XXXX & account ended in XXXX, Exhibit B - Postal money order instrument Number ended in XXXX, Exhibit C - Back of the Money Order, Exhibit D - Money Order Status ( money order has been cashed ), Proof of Service and Delivery. This satisfaction of claim sent to Capital on XX/XX/2023 and delivered by XXXX on XX/XX/2023 to an representative of Capital One. The Exhibit A Deposit was not discharge or applied to my account as stated in XXXX XXXXXXXX. Capital One accepted the terms on my contract and has now Breach the Contract for failing to commit to performance obligation to discharge this matter and show a accurate statement of account ender in XXXX & account ended in XXXX. I have issue three tends of Payments to Capital One and all have been accepted and cashed. I asking for Capital to honor my Deposit and Money Order by giving my credit back to accounts ended in XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: SC

Complaint narrative:
I had deposited XXXX and XXXX into my money lion account. I purchased XXXX of that money into crypto current and I also spent XXXX XXXX on XXXX XXXX. My other purchase was XXXX XXXX  for a car payment and another XXXX XXXX  loan payment and also a XXXX XXXX gas station purchase. My account was closed and my funds were put on hold. I was contacted by the bank to provide proof of income and provide my drivers license and a bill of my address. I provided all of these documents and everytime the bank keeps asking for additional information. The second time the bank asked for the person name who sent the money and my relationship to them with that persons ID. I sent that and today i received another email from them asking me to provide more information. I have had numerous bank account and its never been this hard to get my own funds from an account. I will like to report this banking company and I will like my funds to be released expeditiously because this process has put me and my family in a financial burden. I have XXXX XXXX in my money lion account that i currently cant utilize.

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 2023-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
* XX/XX/XXXX - XXXXComenity Bank continued to charge me {$6300.00} plus {$15.00} interest for something ( a puppy ) that I never received or took possession of. 

* I am being charged for a {$6300.00} store credit that was created by XXXX when I changed my mind about purchasing a puppy on XX/XX/XXXX. 

* I initially visited XXXX on Friday, XX/XX/XXXX. A sales agent asked me if I was interested in knowing what the monthly payment would be on the puppy I was looking at. I said sure. I did not authorize XXXX to process a credit card application. I was subsequently told that I had been approved for a purchase. Three days later ( XX/XX/XXXX, after not picking up a puppy, I visited XXXX and informed the manager that I changed my mind. Instead of reversing the transaction, the manager told me that I had to accept a store credit and pay Comenity Bank. I do not have a puppy and I never took possession of a puppy. 

* XXXX XXXX management informed me on Tuesday XX/XX/XXXX ( in the store ) and Thursday, XX/XX/XXXX ( via phone ) that I must pay Comenity Bank {$190.00} a month to pay off their {$6300.00} store credit for 3 years regardless of whether I ever use the store credit or not regardless of whether I ever get a puppy from XXXX. 

* Comenity Bank sent me a XXXX credit card that I never activated. An adhesive strip attached to the credit card states " Call BEFORE USE to CONFIRM RECEIPT of your credit card and hear how to receive a {$20.00} GIFT CARD. '' * XX/XX/XXXX - I called Comenity Bank and disputed the charge on a credit card statement that closed XX/XX/XXXX, which I received in the mail. I was told that the matter would be investigated and I should get a letter in the mail within 30 days. 

* When I told the Comenity Bank representative that I never activated the XXXX credit card, the representative said XXXX activated it in the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: IA

Complaint narrative:
Hello US BANK, i ; ve had some major fraud occur with you guys and my identity. There was a fraudulent account opened in my name and i only found out recently because something was sent to me in the mail stating i had a negative balance and a new debit card was sent to me as well. I NEVER OPENED AN ACCOUNT WITH US BANK, i called and told US Bank the same thing over the phone. i dont think i should be liable to pay back something i didnt do and ive also placed freezes on my credit and identity because i have no idea what other accounts have been opened under my name. 

Id like this account closed ASAP, its fraudulent.

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 2023-03-05 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am tired of WELLS FARGO beating me down ; this has caused me XXXX XXXXXXXX as I'm trying to progress in life- but can't seem to do so because of fraudulent identity theft. I have been disputing with WELLSFARGO since XXXX of XXXX, it is now XX/XX/XXXX and my identify theft concerns have still not been addressed/deleted. I have disputed and received paperwork back from WELLS FARGO claiming that an auto vehicle belongs to me. Paper work documents sent to me from WELL FARGO was not mine and UTTERLY INVALID. I am a victim of identity theft and have items in my name including WELLS FARGO DEALER CHARGE OFF and DEPT ED XXXX that are fraud. I only have XXXX auto vehicle through XXXX XXXX XXXX. I have sent over my police report, my FTC report, utility bill, my personal statement, full SSN card with all corners reflecting, Photo ID & etc. I am a victim of identify theft and WELLS FARGO keeps choosing to look the other way and not help me. I was told by an XXXX Fraud Specialist that I should take WELLS FARGO to court. I do not have the money, time, or energy for that to take place. I have 2 XXXX parents both with XXXX that I can't even afford to put into home health care. WELLS FARGO opened my dispute again XX/XX/XXXX and closed it right back up XXXX XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expidaite. I have spent over {$300.00} in the past year of mailing to them disputes. I am tired of going through this process and WELLS FARGO wants to keep playing games with victims of identify theft. It should not take me 437+ days to get identify theft removed from my report. There are several factors including WELLSFARGO DEALER CHARGE OFF and DEPT ED /XXXX  that still shows on my report. I hope this will be my last and final dispute to CFPB. WELLSFARGO & CO. is holding me back from living life, liberty and pursuit of happiness.

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