vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 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: NC

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-08-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Someone stole my identity and now I cant open a account nowhere because they wrote bad checks and all on 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 explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Someone stole my identity and now I cant open a account nowhere because they wrote bad checks and all on 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 monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Someone stole my identity and now I cant open a account nowhere because they wrote bad checks and all on 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 explanation
Consumer complaint received 2022-08-31 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: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
There is an unknown collection account which I was never informed of until it hit my credit report. I have disputed it several times with nothing being received as far as validation. I do not owe this company {$40.00} please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: Albert Corporation
State: NY

Complaint narrative:
Hi XXXX, XXXX, ( Albert Support ) I am writing to alert you of an issue with Albert Support.

Albert Support reps lied to me about my cashback ( repeatedly promising that it will be available ) only for the cashback to not be credited, and when I raised the issue, the not only did not apologize for their behavior and chose instead to defend the lie. 

I wasted a lot of time/effort on this, and I have suffered irreparable damage as a result. Please let me know how the customer rep can simply lie and get away with it? 

Thanks

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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 — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Someone opened a credit card with XXXX XXXX XXXX in my name XX/XX/XXXX and spent {$1200.00}. I was notified by 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 explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NJ

Complaint narrative:
I requested a refund for my federal loan paid on XX/XX/XXXX with the amount of {$2100.00} through EdFinancial services. I submitted this request on XX/XX/XXXX. I called back on XX/XX/XXXX to ensure that this refund request went through in their system, however, the representative told me that there was no existing request on my file when I called a second time. 

After submitting a request for the second time, I made sure to ask if there was a confirmation method. However, they mentioned no confirmation method is made and I can not request an email confirmation. I have reason to believe the loan servicer EdFinancial is lying to their customers about requests being inputted into the system and lying about not having a confirmation method. 

I would recommend customers call XXXX times to ensure their requests are submitted, because clearly they are not logging every request made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XX/XX/XXXX, XXXX Filed with Bank of America XXXX XXXX XXXX Denied XX/XX/XXXX Account charged {$160.00} On XX/XX/XXXX, my debit card number was compromised. As I was about to enter a store, I received an alert on my phone that a charge was denied because the zip code was incorrect. I immediately checked my account and noticed that there were other charges that I did not make that morning. I immediately called Bank of America and told them what was happening. As I was on the phone with the representative, we saw additional charges coming through. She was able to stop them at the time it happened. She reversed the other charges and opened a claim. In the next few days, a box was delivered to my home. I didn't order any of these items. I would get periodic messages from Bank of America saying that there was an update to my claims, and to view in the message center. There are no detailed messages in the message center, which is difficult to locate and access. I was checking my account today, XX/XX/XXXX, and noticed that my account was debited for {$160.00} and there was a claim attached to the debit. I clicked on the note and saw that the credit was reversed. The message center said that the claim was denied with no additional details. I call in and they said that the merchant was able to provide my name and address from my account and that the vitamins were delivered to me. They were, but I did not order them, nor have I opened the box or used them. Bank of America asked me if I contacted the merchant ( XXXX  ). I said, for what? I didn't order the vitamins and I have no dealings with this merchant. It's very obvious that someone was using my debit card and trying to make sure that they had the correct information to continue making purchases. They proceeded to ask me if someone in my house could have purchased it. No one in my home ordered the vitamins or knows anything about the company. The follow-up was for me to FAX a letter explaining what? The same information that I already gave them. I'm filing a complaint because the fraud was obvious and my account is either protected from fraud or it's not. If it's not, then they need to say this and they would need to implement additional safeguards to protect their clients

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has placed 2 disputes on my account and has wrecked my credit score to poor claiming i am delinquent over {$7000.00} on my account. I am completely up to date with my payments and have {$98.00} payment due in XXXX. This is totally unjustifiable XXXX on my credit history and as a XXXX XXXX XXXX woman this is a horrible disruption in my life as I have new large bills to pay and absolutely do not welcome this extraordinary stress.

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 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHEAST MORTGAGE OF GA INC
State: GA

Complaint narrative:
Good morning, for the month of XXXX the PMI was taken out 3 times, on the XXXX and twice on the XXXX. Is there a reason for this? Please get back to me as soon as you can, Thank you ( this is the email I sent 2 weeks ago XX/XX/22 ) I have been calling and leaving voicemails and no one is responding to me about this problem. My concern is every time they do my escrow analysis they say I have a shortage but my wife and I are very good with making sure enough money is in there to cover the insurance, property taxes, and the once a month PMI ( we even put in extra every month to avoid this and right now it feels like its impossible ). I feel like this company is stealing from us and we just want to be able to pay our bills and remain in our home without wondering every month why this extra money is being pulled from our escrow account without any communication.

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 2022-08-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal information was breach through out the credit report agency, ( XXXX and Equifax ) I've been try to resolve the issue for almost an year now. then recently find that the credit bureau are the one that responsible for my personal information to get out there. Where I receive email from a third party due to the fact that people are using my information to apply for credit card loans, mortgage et.. I contact the bureau a several time in order to have those inaccurate items as such hard inquiries, company names that I've been heard of or any unverifiable item to be removes in on my consumer report and they're refused to do so. 

According to the Fair Credit Report Act, SECTION 609 ( a ) ( 1 ) ( A ) you ARE REQUIRED BY FEDERAL LAW TO VERIFY-through the physical verification of the original signed consumer contact -All accounts you post on a credit report .otherwise, anyone paying for your reporting Service could fax, mall or email in a fraudulent account. 

I Demand help due to the fact the company that were supposed to keep our consumer information safe are the one that actual causing damage on the people consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Scott Fetzer Financial Group Inc.
State: IL

Complaint narrative:
The United Consumer account is not mine, my ex husband and his mistress forged this account in XXXX when i found out about the account I contacted the police and United Consumer Financial services and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to XXXX to request the contract because they will not provide to me. XXXX went and updated a closed account as delinquent when it was paid off in XX/XX/2019 and dropped my credit score XXXX points.. This is wrong and how are they reporting an account delinquent when its been paid off and closed since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Auto Sales Inc.
State: FL

Complaint narrative:
This is a warning notice to the alleged violator of such debt. After an extensive review of my consumer report I noticed I have violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of subside, deceptive and unfair debt collection practices. Not only did you furnish this information to the reporting agencies without my consent, nor did you take the proper steps to verify that this information is accurate. Which is it NOT! 15 USC 1681s-2 You also listed this alleged debt as a charge off. How can you collect on a cancelled debt that is also considered income? Also, income should not go on a consumer report at all. This also means that you filed this as a loss with the IRS and received compensation for it. This also means that I should have received sa 1099 to file, BUT I DIDN NOT! This is a violation of 26 USC 61-64. I also never received a notice that this information would be furnished on my report. You are supposed to contact me within 30 days, no later before furnishing the negative remarks. This is not all, but just s few of the violations that I am bringing to you US AUTO FINANCE XXXX XXXX and the CFPBs attention. 

I am requesting to be provided with the written contract between me and you US AUTO FINANCE XXXX  XXXX giving you the right to access my personal information and to also furnish this information. I would also like the original written contract with myself and US AUTO SALES. I will also need a full audit trail. I am needing the actual physical documentations to support the information that is being reported on my consumer report. Screenshots and statements will not suffice. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect that the item in question will be permanently expunged from my record : Best Regards, Done in good faith. Without prejudice. All natural inalienable rights reserved. 
XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
Hello, We are trying to get our PMI removed from PHH Mortgage. 
We had tried to get the PMI removed in XXXX, but they filed the appraisal 10 days before the loan became over XXXX XXXX old, and they did not consider our partially finished basement a major project. Therefore, they rejected the PMI removal request. 

I then waited until the loan was past XXXX XXXX  maturity and resubmitted a PMI removal request. The appraiser came in on XX/XX/XXXX and completed the appraisal. 
I asked for an update on XX/XX/XXXX, and they responded with the following message : " Your request is under review with our Private Mortgage Insurance ( PMI ) department. A letter of instruction has been requested for the account and will be mailed to the mailing address on the account. Please allow XXXX business days for the request to complete and additional time for delivery. '' I've called multiple times in the last several weeks and they continue to say that they are processing the request and that they've escalated it. They won't give me the appraisal number that should have been completed several weeks ago, and I'm concerned that they are stalling to see if the housing market goes down and then they will give back a lower number, and reject the removal request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/2022 I submitted a dispute for 16 accounts US DEPARTMENT OF EDUCATION XXXX. The confirmation number for this dispute is XXXX. Pursuant to 15 USC 1681i ( 6 ) ( A ) the consumer reporting agency is suppose to send written results no later than 5 business days after the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Paragon Revenue Group, The repeated Fake Debt Collection calls have been coming in for about 1-2 months. We are tired of the harassing phone calls for medical debt that is being handled by our Attorneys. This company and its people are performing fake and fraudulent debt collection practices here in the North Carolina area. Something must be done about it. My Attorneys and I have constantly told them about their fake and unfair debt collection practices for years now. It is constant calling, constant leaving messages, and harassment to the next level of our family on a daily, weekly and monthly basis. Please look into this matter asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: MA

Complaint narrative:
I have found two inquiries on my report that I reported should not be on my file. 
XXXX. XXXX XXXX  - XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Everytime i purchase that involve credit report, that Toyota Motor Credit {$5100.00} still shows in my credit report everytime i refinance the house or car or purchase a product. That {$5100.00} has been paid off 2 years ago and i even called toyota to take out that report but still shows..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
A accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It als states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In addition to my previous complaint with Comenity, I have paid my bill in full and have a negative credit due to returns. No purchases have been made and they have not sent me a check for the $ owed to me. However they are still continuing to charge me INTEREST even though the account is paid and they owe me $ at this point. 

I called the customer service line and XXXX said it was because the account was in dispute. I don't understand how the company can charge interest when the account is fully PAID and they owe me {$36.00} already ( not even counting the amounts I disputed for the nonexistent billing/credit interest ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
I have a XXXX loan that has a XXXX dollar balance remaining. Meaning I have NO  balance. Even if I did have a balance, loans have been paused by the government for the last 2 years. Despite both of these things, Aidvantage is showing my loan in default. I contacted Aidvantage last week as I can not access ANY of my loans on either Studentaid.gov or Aidvantage due to this default status. I was told the default status would be cleared within 24-48 hours. It is 7 days later and the status has still not been cleared. I have since made 3 additional phone calls which have resulted in more than 1 hour on hold waiting for a service representative and have still not been able to get back in contact with Aidvantage. This needs to be fixed immediately and also reported properly to the major credit reporting bureaus as well, as this default status has had an enormously negative effect on my entire financial portfolio.

Company response to consumer: Closed with explanation