vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 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: MD

Complaint narrative:
This company keeps lying about a bankruptcy on my credit report they stated that a data furnisher is verifying that this info is correct for one i have a letter from the court telling me that they dont offer such information and that they have not been in contact with experian, experian is using third party vendors or using the name XXXX  still who is not me and coming up with this info its not on my XXXX  or my XXXX  report this hinder me and stopping me from applying for credit im going to sue regardless at this point they keep sending me the same response theres no one that can verfiy or publish inaccurate info to my credit report this is completely wrong and against fcra i will be filing a complaint with the owner and the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I paid an agreed a pun amount between myself and Macy`s for credit card debt. After I paid them they sent a letter dated XX/XX/XXXX stating my account balance is XXXX. On XX/XX/XXXX they reported to all credit bureaus that I owed a high amount of debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion has a fraud alert on my account. I asked them to remove it after sending out letters and they have had more than 70 days to remove them and still failed to do so. I followed up with a call the representative was in fact very rude and insisted i send them the paperwork all over again which ive done twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: MI

Complaint narrative:
I am a natural-born XXXX XXXX of Michigan, in its constitutional capacity, as one of the several states of the XXXX. And I am an inhabitant thereof. I am a living human being. I have rights under 15 USC 1681. demand the accounts listed below to be removed.By the Fair Credit Reporting act in accordance. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXtXXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquiries- EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is governen by 15 USC 1681.And they violated my rights numerous of times. 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 : also states that a consumer reporting agency can not furnish an account without the content of 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 or any other adverse item of, 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 data of the information is inaccurate. 

Furthermore, it failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Title 18 U.S.Code SECTION 1341-1342 Frauds and Swindles laws and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C SECTION Fictitious Names No civil or criminal cause of action can arise lest out of fraud, there be a valid, honest contract See Eads v. Marks 249 P.2d257,260.

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v, Gravens ( Mo ) 282 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists ''.

I declare under penalties of perjury in accordance with law of the United State of America ( without the United States ) Title 28 U.S.C SECTION 1746 ( 1 ) the forgoing is true and correct and is admitted when not rebutted, demand to cease and desist so help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
XX/XX/2022 Chime financial inc STOLE about XXXX dollars from me. They closed my account and will not give me the money that was left in there. They told me to prove a transaction that was authorized from an external bank and have it sent from the external bank and when i did they tried changing the rules telling me i have to send an authorized letter. I dont understand how a company can close account with your money in it and not give you a check with YOUR money on it. I did not owe any money to chime so they have no reason to keep MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
Fifth and third bank bought our mortgage for our original lender before covid happened. During covid me and my husband lost our jobs and where unemployed for about 3 months so we got behind on our mortage by 4 payments but we have been paying on time ever since. We got on one of the covid plans with our mortgage company and signed paper work to put our missed payments on the end of our loan. They refuse to honor that. We have been fighting with them for a year now about it. They keep sending us loan modifications that raise our monthly payments and we keep telling them we arnt signing them. We applied for a grant threw XXXX to get this taken care of. I applied in XXXX and they have been waiting on fifth and third to respond to their request since then. We have called them multiple times and told them this so they would contact them. They deny that they did try and contact them but then say that they did. Fifth and third call and harass us for payments constantly and we tell them the same thing every time they call. To either honor our original agreement to put the missed payments on the end of our loan or respond to the program we applied for and they dont want to do either and just make excuses. Now they took 2 payments from our bank account last month and are refusing to credit them to our account. Something needs to be done because this company is ridiculous and no one you talk to seems to have any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXXXXXX  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 2022-12-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It has come to my attention that the financial department of Wells Fargo & Company, may not have the ability to loan its own money or money of its account holders. Notice the existing credit card agreement which am in question of the credit that was allegedly loaned. Please provide evidence of the money that was loaned to me for family and household purposes. Notice, repayment needs to be made only in equivalent kind. Notice, this be a matter of emergency. Notice, am demanding for the bill to be zeroed out each and every bill cycle upon lack of supportive documentary evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: SG and Associates
State: NC

Complaint narrative:
Stafford Group and Associates have called me numerous of times harassing me in a threatening intimidating manner about a debt I do not owe. I have contacted the company several times via phone and email, to provide me with the original contract with my signature but they failed to do so. This has caused irritably harm as the two credit Bureaus ( XXXX and XXXX has placed this on my credit without a proper investigation of facts. This is illegal. 


In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX # XXXX XXXXas 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union, issued me a credit card with a balance of XXXX. 

During the pandemic in 2021 I went to XXXX and was a victim of credit card fraud. My credit cards wallet were stolen and I had a difficult time returning to the United States. 

I finally returned in the fall on 2021 and began looking into my credit card problems, While reviewing my credit card I noticed that my high credit card was used repeatedly fraudulently in many location in XXXX that I did not travel to. 

Navy Federal cleared the charges in early XXXX after poor communication from its fraud department. Then they removed the charges, I did not use the card because i was scared to and therefore waited. The Navy Federal staff noticed that I was not using the card and after almost XXXX months the issues a letter stating the fraud did not occur and that i was responsible they imidietly started charging interest and I tried to appeal but the issue persist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2022 SYNCHRONY supposed to withdraw from my account the amount of {$28.00} dollars for the payment of some furniture purchased at XXXX XXXX XXXX, on XXXX the XXXXXXXX XXXX, I discovered that they have withdrawn {$970.00} dollars from my account, my account balance was {$340.00} and this transaction overdrawn my account by {$800.00} dollars, I went ahead and contacted them, because the agreed price was {$28.00}, their response was that i have set up the autopay for the whole amount, which makes no sense, because if Im planning on paying the whole amount I wont set it up on auto payment I will just go ahead an pay it, and their team response was that they would issue a refund with a check that will take 2 to 3 weeks to get to my home, I explained to them that i need to put gas and do groceries specially during this month of XXXX, and they did not offer any other solution. On the night of the XXXX a guy named XXXX allegedly put a stop payment which was a lie and the payment got posted to my account. 

Ive called my bank and they have to issue an investigation, but it will also take quite a while, my husband paycheck is coming not XX/XX/2022 and more than half of that will go towards covering the overdraft caused by the people at SYNCHRONY

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 monetary relief
Consumer complaint received 2022-12-08 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: DE

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I am working on fixing my credit and not sure why this shows on my XXXX XXXX report only. XXXX  car insurance is the company. Dont know account number or contact to sort this out with them. Looks like a months premium of {$110.00}. Not sure how to remit or remove to get my report to boost up. Never got a mail or call from them to remit and its already discharged hurting my report. Need to get this adjudicated please.wasnt aware of this until I checked XXXX report. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: NC

Complaint narrative:
Trans union placed a fraudulent account on my credit report without verifying if it was correct. This is a direct violation of the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. My rights have been violated.

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 explanation
Consumer complaint received 2022-12-08 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: TD BANK US HOLDING COMPANY

Complaint narrative:
I asked TD Bank disputes department to ask for a refund from XXXX which I subscribed on a trial bases on XX/XX/XXXX for {$3000.00} US, a week later a came to the conclusion that the service di not meet my needs, and asked XXXX to get s full refund, they agreed. two weeks later I also asked TD bank disputes department to help me collect the {$3000.00} us, finally beginning of XX/XX/XXXX, they refunded {$1600.00} only the remainder of {$1300.00} us, more than a year later I'm still waiting. 

TD Bank closed the dispute when XXXX still had not refund the outstanding {$1300.00} us. 

See email from XXXX " The dispute was waivedin your favor, thereforewe no longer have your funds. We highly suggest reaching out to your financialinstitution since we no longer have your funds ''. I called TD bank many times, but they never gave me an explanation as to WHY THEY CLOSE THE CASE WHEN THERE WAS ANOTHER {$1300.00} NOT REFUNDED. 
TD Card Services, Dispute Department Case Number- XXXX If you need more info please advise. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Greetings my name is XXXX XXXX  My Only Social Security number is XXXX My Address is XXXX XXXX XXXX XXXX XXXX VA XXXX. 
I am self-employed, I have a driving school. I train people how to drive. My credit is like around XXXX or it should be around XXXX or more with the 3 Credit beurres, XXXX, XXXX, and XXXX. But for some reasons each time there is information that is lowering on my credit appears not mind. it lowers my credit report for home buying. 
It refuses me credit most of the time. I got denied for credit cards and auto loans and home buying. I do not know what to do. it is a complication I have it is keeping me behind and not so much of credit I disserve more credit. please help with this matte email Guide me. 
thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Received an email from EXPERIAN that my XXXX XXXX decreased by XXXX points. After looking at my other scores ( XXXX, XXXX ) and reviewing accounts I determined that nothing has changed. No derogatory circumstance to support such a decrease. This is the second time this has happened ( same exact thing happened last year ), and it is specific to my XXXX EXPERIAN score. I called Experion, and they were unable to help or answer question of WHY? There is nothing to dispute because nothing has changed. I would like some kind of clarification but EXPERIAN is unable to answer any questions. I haven't had any such changes on my XXXX, nor XXXX scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
Medical bills that should be paid my medical insurance. Also all deductibles have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: DE

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/22 I had a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC show up as a inquiry on my credit. This is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
XX/XX/XXXX. My Covid forbearance ended on XX/XX/XXXX. I am requesting from my mortgage company for a Partial Claim through HUD. I can resume making my normal mortgage payments on XX/XX/XXXX as my financial situation is back to normal. I am getting several different answers regarding this information and worried it is not getting done.i attached my covid forbearance packet.

Company response to consumer: Closed with explanation