vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: TX

Complaint narrative:
I have had several loans with XXXX XXXX XXXX whose loans are currently being service by Systems and Services Technologies , Inc ( " SST '' ). I have attempted to get them to honor XXXX benefits in key provisional state ( KP ) of Louisiana, but failed to get any resolve. I am XXXX XXXX military and have been through the duration of multiple loans starting around 2016. I have XXXX to XXXX XXXX XXXX  twice and XXXX failed to apply XXXX benefits during those times either. I have attempted to get the company to honor XXXX benefits in the KP state of Louisiana which reducing my interest rate to 6 % regardless of when the loan was secured. At a very least they should honor the 6 % during time i was XXXX to XXXX, which I can and have provided documentation for. Also during the transition to SST from pioneer, i wasnt getting documentation from SST which caused my account to become delinquent. The company refuse to understand or accept the lost in contact during its transition and have negatively reported on my credit report although it wasnt my fault, I was out of the country due to military obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing my XXXX  score from increasing. The four companies are : 1. XXXX XXXX 2. Jefferson Capital XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to XXXX While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred preXXXX. I filed police report and secured my credit record with XXXX XXXX XXXX. Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. Notwithstanding my requests to these collection companies, I expect that all negative reporting on these preXXXX charged-off accounts should have come-off my credit reports by now. Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX. 

Your time and thoughtful consideration are greatly appreciated. 
Thanks, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I satisfied a vehicle lien with XXXX XXXX XXXX XXXX ( XXXX ). On multiple occasions, XXXX stated the account status was updated with all XXXX credit bureaus. XXXX and XXXX show the correct status as {$0.00} BALANCE and PAID/CLOSED. Experian fails to update the status despite several disputes. In XX/XX/XXXX, I received a lien satisfaction letter from XXXX and included this letter in XXXX disputes in XXXX and XXXX. The dispute result dates with report numbers are : XX/XX/XXXX ( Report # XXXX ), XX/XX/XXXX ( Report # XXXX ), XX/XX/XXXX ( Report # XXXX ), XX/XX/XXXX ( Report # XXXX ). There were no updates made and the dispute results are the account " remains. '' Experian defines " remains '' as ; the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. This is not true. XXXX stated all XXXX bureaus were supplied the updated information. I do not know how to get this account updated with Experian.

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 2022-12-15 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: ND

Complaint narrative:
I was accepted to us the my apple credit a couple days ago and was told it was ready for immediate use and my daily limit is {$3500.00}. It is one week before XXXX time so I began to make some purchases which was the whole reason for me getting the card. I used my card at a local gas station for a small purchase and it went through but for any large amounts the card would not go through. When I called to speak with a specialist I was told all the declines transactions were cleared and Im able to use the card now. Tried it again and no luck so I called back again to be told there was some Id verification issues which he fixed and it was easy for use again. Tried it again and still no luck. Called back a specialist only to be told nothing it wrong with the card it should be ready for use but it isnt working and no one seems to know how to fix the issue. This is big inconvenience to me because I got a credit card I can not use when I specifically got it because XXXX is next week. Any help would be greatly appreciated thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is attempting to collect on a debt, that's charged off. This account was discharged and the alleged debt has been used as a tax write-off. This will be an act of tax fraud, to collect on a debt that is registered as income. The harassment to collect on this debt would be a violation of the FCRA 15 USC 1681eb, failing to report information that is accurate.

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 2022-12-15 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

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 2022-12-15 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: TN

Complaint narrative:
There were numerous inquiries on my credit report that I did not recognize. They are here listed below : XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX 's XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report and I was not the person who requested those inquiries.

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 2022-12-15 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: TN

Complaint narrative:
There were numerous inquiries on my credit report that I did not recognize. They are here listed below : XXXX XXXX XX/XX/2022 XXXX Bank XXXX XX/XX/2022 XXXX 's XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report and I was not the person who requested those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One closed my account # XXXX after about XXXX week of opening the account but is reporting it as 30 days late. 
- The account was never 30 days late and in fact the account was not open for 60 days, so it is virtually impossible for the account to get to 30 day late payment status. 
- Capital One also has not allowed me to know what the closing balance is and since my Capital One online account is closed they need to supply me with a method of payment to pay whatever balance was on the card at the time it was closed. 
- It is improper for Capital One to report delinquent payment history on an account if they have not given me a way to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
I went and paid my mortgage from Veterans United online as normally online. I failed to see that the payment method was one I deleted 2 years ago when I switched payment accounts. I get hit with a NSF fee from my bank account as I wasn't expecting to pay the mortgage from that account. I call the company and it turns out there was a software update that deleted the current payment accounts. I got what turned out to be erroneous information that I should resubmit my payment as to not miss my mortgage payment. I go ahead and do that entering the right account information this time. 
A few days after the missed payment I get paid. There was an automatic reattempt at payment from the account I had the NSF fee from, and the second time it goes through. So for those keeping track I have now paid my mortgage from the wrong account and have scheduled another payment from the right account on the advise of the customer service representative. I had to move some money around to cover the shortage now in the wrong account so if the second payment I was told to make goes through ( it hasn't yet ) I'm at risk of a second NSF fee.

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 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Bank of america locked my debit card after i deposited some money into my account and attempted to withdraw some money at the SAME atm i always use this would be no issue normally but they are now telling me on the phone i have to step into a branch to remove the block? ive never had to do this when ive had this issue before. 

There is simply no bank of america branch  near me, this is almost impossible to do to remove this lock on my debit card : / ... ive verified myself no problem on the phone but they still say i have to come in a branch and im telling them i cant because i just dont have access to a bank near me ( 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 2022-12-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Equifax stating they have violated my right to privacy in accordance with 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

After showing that even XXXX XXXX found that the information was found to be unverifiable and moved to delete it from their record. Where then does Equifax gets its verification from to willfully be non compliant? This has caused me great hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
They know XXXX well I didnt give permission to put anything on my consumer report under XXXX I have 2 accounts from comenity capital XXXXXXXX XXXX XXXXXXXX that are reporting that are not attached to any open accounts and is hindering me from doing things I need to do thats a violation of my privacy I was also false and mislead by XXXX telling me the accounts where deleted I contacted the original creditors & they cant find no application under the account so how its they reporting this is ridiculous & Im making a complaint because they failed me as a consumer to do there job correctly I need these accounts deleted asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: MD

Complaint narrative:
Experian refuses to remove a student loan balance from my credit report. 

My federal student loans were being serviced by XXXX. On XX/XX/2022, the balance of my federal student loans with XXXX was paid off when it was transferred to XXXX for consideration under the XXXX waiver. There were XXXX separate amounts : XXXX, XXXX and XXXX, for a total of XXXX, XXXX. ( The loans were subsequently forgiven under the XXXX program. ) These loans still show as owed to XXXX on my Experian credit report. I filed a dispute, but today they responded that the balance remains ; they will not remove it. I was instructed to take it up with the lender. I confirmed with XXXX that my balance is {$0.00}, but Experian won't take action other than to say I should take it up with XXXX or file a new dispute after 30 days..

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 2022-12-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation