vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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: IL

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXX Late Payments from XXXX XXXX XXXX XXXX XXXX XXXX from XXXX Personal Loan Late Payments from XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: IL

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXXk Late Payments from XXXX XXXX XXXX XXXX Late Payments from XXXX Personal Loan Late Payments from XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2022-02-10 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: AES/PHEAA
State: NC

Complaint narrative:
I received a notification from my lender fedloan serving on XX/XX/2022 that my loans were forgiven after previously being told that I had not made all the required payments. I XX/XX/2022 I called fedloan serving to request a refund of the payments made during the payment pause period related to covid I spoke with XXXX badge # XXXX I was told she would process my refund which was in the amount of {$5600.00}. I received a second notification of loan forgiveness indicating a different amount of forgiveness on XX/XX/2022. By XXXX XX/XX/2022 I had not received the refund and called and spoke to XXXX Badge # XXXX who indicated that I should have already received the monthly via direct deposit to the account I was making payment from she stated I should have received a payment for XXXX on XX/XX/2022 and another separate payment but she did not share the with me the amount. I explained that I received no such payments and wanted to speak to someone to discuss this further. I was transferred and waited in excess of an hour to speak to XXXX # XXXX who stated that since my account balance was zero I was not entitled to any refund of payments made during the payment stop. I do not trust that this is accurate and would like a refund of the payments made during the payment pause.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank account was fraudulently opened back in XXXX. I did get it closed but TD Bank ran my credit which resulted in a hard inquiry on my credit. I need the inquiry removed as it is effecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I had been searching online for an engagement ring for months, and found a reputable company that had stellar reviews and seemed like the best option. So now that I made that decision, on which company to go to for an engagement ring ; now to choose the ring. 

I put together the setting, the diamond and then other options associated with the ring and it came to a total of about {$9800.00}. I obviously didn't want to let my soon to be fiance to see the purchase and so I wanted to put it on my credit card that had a limit of {$10000.00}. I had more than double that amount in my joint savings account ( that was with the same bank ) and about half of that in an account at another bank.. 

The transaction ( not surprisingly ) was blocked by fraud, so I contacted them to allow the transaction and get the process going for my ring. 

I got the run around, I spoke to about XXXX different " fraud specialists '' in XXXX different " fraud '' departments at US Bank. All telling me that I needed to speak with this OTHER department. Turns out, from one fraud specialist, that US Bank doesn't like people buying jewelry on their credit cards. So they closed my account, no questions, nothing. They just closed my account, I have worked for years at rebuilding my credit, and this was not a new account, and now they closed my account. AND I had over {$200.00} in cash back that I didn't cash out yet, that now they're keeping. 

And now they say that they can't reopen my account, that I would have to reapply. This is ridiculous, I understand that a bank can close an account at their own will, but there has to be some sort of protection on this. All because I tried to buy a piece of jewelry, and that is not in any of their customer agreements, not to mention that I had more than double that in a savings account at the same bank. This is going to hurt my credit, this was my largest credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Goldman Sachs hard inquiries on credit report XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions bank regularly uses unfair accounting practices when direct deposits post at midnight usually they will run the outstanding debit charges first despite the pending deposit posting at the same time ; They will run the charges then count your deposit. It is unethical and almost criminal that they would do so, but it is clearly designed that way in order to incur NSF ( Non-Sufficient Funds ) charges on customer accounts. They have done say to the tune of over {$750.00} the past year despite my complaining and confronting them regarding this devious practice.

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 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phillips & Cohen Associates, Ltd.
State: NV

Complaint narrative:
I was enrolled on debt settlement program the agency made a settlement agreement to the debt collection agency XXXX XXXX XXXX XXXX XXXX the Settlement Agency paid the XXXX XXXX XXXX  By monthly basis in the amount of {$180.00} for a period of 12 months a total of {$2100.00} which the payment was deducted from the funds. the agency collected. this fund came from a disability payment of my husband from his military service the {$2100.00} already receive by XXXX XXXX XXXX it means the payment agreement already completed. the XXXX XXXX XXXX XXXX did not take an action to remove the charge off as bad debt to the Credit Bureau and just ignore everything because they already receive a payment on their behalf, I don't have communication with this collection agency at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: NY

Complaint narrative:
I need someone that can help me, I am deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations, I demand to see verifiable proof ( an original consumer contract with signature on it ) If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me distress, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.

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 2022-02-10 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: LEXISNEXIS
State: VA

Complaint narrative:
I wrote letter to Lexis Nexis XX/XX/2021 by certified mail regarding the alleged bankruptcy listed on my Lexis Nexis report. Lexis Nexis never responded to my letter but I know they received it because on XX/XX/XXXX and XXXX. Lexis Nexis completely ignored me. I also wrote a letter to the court and they sent me a letter stating that they do no give information to credit reporting agencies. So how is is possible for Lexis Nexis to fully verify the bankruptcy they are reporting if the court did not give them the information? There is no way they have verified this alleged bankruptcy but they are violating my rights by reporting this inaccurate information and providing it to other credit reporting agencies. I have attached the letter I received from the court, the letter I sent to Lexis Nexis and the certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: IL

Complaint narrative:
I am submitting this complaint because I am very unhappy and disappointed and stressed. My husband and I are trying to buy a house to move our family into a nicer neighborhood and in the process of repairing my consumer report. I sent Experian an identity theft report thru the FTC and they are stating that the report I sent they can not accept because it wasnt from a law enforcement agency. I was reading some of the resources that the CFPB provides and it states that the report can be from a state, federal or law enforcement agency. So I am confused why Experian would see a reply like that when the FTC is a government or federal agency. In addition it is asking for additional information I had already provided. This is a very serious matter. I believe experian is giving me the run around in resolving this matter. I provided everything that was needed for a identity theft complaint or dispute. Identity theft can be committed by companies as well not just human beings or people like me. That is what I gathered from the reading material from the resources on the CFPB website. I have doing some study because we have to move out of the neighborhoos my family is in because it is dangerous. And EXPERIAN is making it difficult by not doing a proper investigation and prolonging the outcome by asking for things that have already been provide. Is this conduct violating some type of federal and/or state laws. This is very frustration aslo because their automated system gives me the run around when trying to speak to a live person. This is very stressful and the neighborhood is dangerous. I fear for my family safety. Isnt it a time limit to delete the information that came from the identity theft? I believe the resoures say it is 4 days from the time that EXPERIAN receive notice. The information is still on my consumer report. I need help with this because EXPERIAN is allowing this to ruin my consumer report and is trying to pray on my ignorance of the law by asking for information already provided. In addition I can not speak to a live person. I feel this is delibrate, it is unfair, and unamerican

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 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I just received a response from Fay servicing on complaint XXXX This loan was transferred from XXXX XXXX In XXXX, We were on Covid forbearance ( current prior to covid ) XXXX XXXX started our modification streamline review before the forbearance was supposed to end in XXXX. A streamline was to put the past due at the end we were eligible because our loan was current prior to covid. We didnt have to be reviewed for a month per XXXX XXXX . 
The review started XX/XX/XXXX with XXXX XXXX we shouldve had a decision prior to transfer in XXXX. I called XXXX XXXX and they said Fay servicing shouldve pickup were they left off, that didnt happen. 
Fay servicing starting us a new review as if we were not already in modification review with XXXX XXXX, it was streamline they were reviewing us for flex modification no documents requested because our loan was current the loan was transferred and the investor changed. Fay asked us to complete the modification package for reviewTHEY DID NOT PICKUP WHERE XXXX XXXX LEFT OFF they said no such thing as streamline review but that is what XXXX XXXX was reviewing us for, they can clearly see no documents were requested from us from XXXX XXXX so how could they be reviewing us for modification, we submitted a complaint to XXXX XXXX as XXXX XXXX because they dropped the ball and now were having to go through all these hoops to start making regular payments. Trying to get our home current. 
The income provided to Fay for modification shows more than enough income than the underwriter calculated. Its self employment income and wage earnings from spouse. On the application it said XXXX for non borrower spouse, The paystubs clearly shows over XXXX and no one called to verify if more could be used, they just declined and said not enough income. We need the modification processed. A new review has been submitted. The loan is not in foreclosure now but received a demand letter and spoke to several people at Fay saying this will go to foreclosure any day. We need this resolved please. Need our payments back to were they were and the arrears put at the end please. We have a family and need our home. 
Its not our fault the communication with the XXXX servicers was misconstrued. Fay didnt pickup were XXXX XXXX left off, they started their own review and several people say its a different investor with Fay than XXXX XXXX was with XXXX again this is not our fault. 
I already have a attorney and willing to go to the news. Im trying to handle with these XXXX mortgage companies first. If the loan needs to be sent back to XXXX XXXX, I request that be done. They went over 30 days we shouldve had a decision XX/XX/XXXX XXXX weeks before the transfer and No one sent us anything saying we needed to send anything until Fay got the loan, The new package that was sent XX/XX/XXXX from my request..the underwriter calculated income incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Advantage Credit, Inc.
State: NJ

Complaint narrative:
Advantage Credit Inc. 
hard inquiries on credit report on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Pentagon Federal Credit Union ( PENFED ) continues to send blank checks in the mail to me via XXXX Mail 's " Presort Standard '', also known as " Bulk Rate '' or " Junk '' mail. It is incredibly stupid for PENFED to be sending blank checks in the mail, on my personal account, showing my name and address, via Junk mail. It is a huge risk to Identity Theft of customers. I have asked them repeatedly to stop this, but it continues. Today I called in to their XXXX phone number, and their rep was unprofessional and disinterested, denying that they send blank checks in the mail by Junk mail. I have the evidence in my hands, and their rep continued to deny that they ever did this. This is totally unacceptable and I want it to stop.

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 2022-02-10 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: IL

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX XXXX XXXX XXXX XXXX Verse XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX A XXXX XXXX XXXX Bank XXXX A 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 I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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