vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX Re : XXXX XXXX Bank of America My name is XXXX XXXX. I am a current secured card member with a {$1000.00} limit. I have been continuously up to date and on time with my payments and account management. 
I wish to convert my card account to an unsecured Credit Card and receive a refund of the initial deposit of {$1000.00}. 
However, it has not been an easy feat with interacting with your customer service representatives or your impossible AI phone tree system. Your service is open of the most terrible in XXXX. Right up there with XXXX XXXX! 
I have been hung up on, lied to, cursed out among many things. Its amazing that your calls are not recorded. 
I want to know if you value me as a customer since I have maintained and exceptionally groomed my account to the best of my ability. 
Please assist me and let me know what I need to do in order to move my card to an unsecured account successfully. 
Looking forward to hearing from you. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Nelnet who processes my XXXX XXXXXXXX XXXX is lacking in communication. I got a statement notice this morning ( XXXX XXXX ). When I logged on I received a message saying I was late on my payment by 12 days! 
I messaged their customer service and told them I never received an email or paperwork saying the loan was going to start repayment. President Joe Biden extended student loan repayment due dates until XX/XX/2022. 

When I told the customer service representative this they said mine doesnt qualify because its classified as XXXX XXXX XXXX XXXXXXXX, not XXXX XXXX XXXX. 

At no time did I ever Receive any communication from Nelnet that said the previous two years of no required payment due to the pandemic was for XXXX XXXX XXXX only, and not XXXX XXXX XXXX XXXX. 

Had I not looked at that statement today I would have been delinquent on my student loan and they would have tarnished my credit report. 

This can be detrimental not only to me but others carrying a similar XXXX XXXX. This company Needs to communicate this type of information much more affectively. My guess is they didn't notify people because they want to collect late payments etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/2022 a Hard inquiry was submitted by America First Credit Union. I never consented to this request. I had no prior knowledge of this request until it showed up on a credit monitoring Emil that I received. I recently opened an account with this credit union. I didnt know that my credit was going to be pulled. If I knew that it would be I wouldnt have opened it since I do NOT need any assistance with credit. My score has been impacted negatively due to this inquiry of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX have all 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 an 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 2022-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Receive a letter from Convergent Outsourcing CLAIMING I owed {$590.00} to XXXX Account # XXXX from XX/XX/2021 with their reference # of : XXXX. 

I've NEVER had any account with XXXX and in fact they do not service this area as we have XXXX which is paid in full automatically every month via a direct withdrawal from our checking account. [ Lived here over 40 years ] Checked on the web and saw numerous claims regarding this scam company and even reports of lowered credit ratings after contacting them { which is why I am turning to you and not them }. 

In my XXXX years on this planet I've never not paid my bills when they were due and such people attempting top say otherwise makes my blood boil.

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 2022-05-13 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: CA

Complaint narrative:
I repaid delinquent accounts with an agreement to have the accounts removed from my credit report. None of the accounts have been removed and it has been over 120 days, or a reasonable amount of time. Please help to get the accounts removed.

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 2022-05-13 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: CA

Complaint narrative:
I repaid delinquent accounts with an agreement to have the accounts removed from my credit report. None of the accounts have been removed and it has been over 120 days, or a reasonable amount of time. Please help to get the accounts removed.

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 2022-05-13 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX - false information fraudulent account. 
XXXX - false information fraudulent account. 
XXXX- false information fraudulent 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 explanation
Consumer complaint received 2022-05-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.

S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have all 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 an 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 2022-05-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: GA

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A states 2 : it also states a consumer reporting agency can not furnish a account without 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 2022-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/22 I visited the JP Morgan Chase branch in XXXX XXXX, NY to do an international wire to XXXX XXXX for XXXX the money was taken from my savings account, however the clerk made many errors and did not send all the pertinent information. I had handed her an email that had the exact instructions on it. 
When I asked why certain information was not on the receipt, she told me it was not necessary. The first omission was the intermediary bank info. 
After numerous visits to the branch and phone calls to the XXXX # nd also messages on the secure message section on chase.com it is still not received to the proper person in XXXX XXXX. He has been checking every day with his bank. 
All Chase says is that the transaction was complete and the money is in XXXX XXXX. 
Supposedly the Executive Office of Chase was notified of the problem. And also a total lack of communication from all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I opened an account with America First Credit Union, This account funded my XXXX account.They closed my account without my knowledge. The bank said they closed it with a notarized letter. They said it was closed in 2018 after my address change. I did not authorize. I have a letter of that but, I am holding it for my personal records. I did not notarize a letter to close my acccount. When I called them all my questions had been changed to XXXX information, My address was changed without my knowledge. My funds have been drained. 
My identity has been stolen, I have contacted the FBI and made a report to the local police they did not want to take the information. I spoke with XXXX XXXX XXXX and opened an investigation and he has never gotten back to me, When I opened my account with America First Credit Union with about XXXX, Then I funded my Cuso account with it. 

My XXXX account was worked with with XXXX XXXX and now has been taken by XXXX XXXX. When I looked at XXXX account I see that I am losing thousands of dollars within the past few months. 

I have an attorney doing an investigation on what happened with my funds. XXXX XXXX and has sent an inquiry to investigate it. 

I am in the process of a hellacious divorce with a person who's name was all switched over to their information. I need help. He is an IT tech and had access to all my information. When he came back to visit the kids he had a social security card and passport and other personal information. I do not know if he is responsible but, it is possible. He is in the military active guard reserves. Last address I knew was in XXXX Oklahoma stationed in XXXX XXXX. 

Please help me get my funds back and my identity. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: CA

Complaint narrative:
TransUnion refused to remove multiple mortgage hard inquiries within 45 days from first inquiry.

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 2022-05-13 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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX  Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: TX

Complaint narrative:
I have sent disputes to Equifax regarding this collection on my credit report from XXXX XXXX XXXX XXXX XXXX ) this account has not been updated since XX/XX/XXXX on Equifax and XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX so it has not been accurately validated like Equifax and XXXX says it was, I am questioning the validity of this account and I want it removed from all 3 credit bureaus as they are both displaying inaccurate information Also I sent in validation of late payments on this account listed XXXX XXXX XXXXXXXX and XXXX on the other account, all listed under account number XXXX stating that I was late 120 days. This info is inaccurate and I want proof sent of the validity of this account, it is inaccurate and needs to be removed from all 3 credit bureaus as well as it is listed under two different creditor names, this information is inaccurate and the account shoudl be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: VA

Complaint narrative:
Previous complaint filed and was closed by CFPB. Received a letter on XXXX XX/XX/2022 from Equifax Information Services informing ME to supply THEM with a paystub, W-2, valid Social Security card , drivers license, rental or lease agreement, paystub, or utility bill to verify my identification and current address in support of the inaccurate information on my Equifax credit file.This request specifies that I must send them a copy of two different items one from each of the two categories listed below. One to verify my address and one for my identification. When I called Equifax information services as indicated by the letter, I was talked over continuously by their representative and placed on hold for 20+ minutes AFTER consistently requesting a supervisor only to learn that I had no file for them to change the information on. Therefore they are investigation into my concerns from the previous complaint was an outright lie! The representative also informed me that the information I would supply to them would create the file. When I asked where did they get their information from, I was informed from lenders. When I asked then why is some of the information wrong and he could not answer. I also asked why did they not use the information uploaded from the other credit bureaus into the previous complaint on the CFPB website. And he said they were not allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
In XX/XX/2021 I began having problems with Discover Home Loans, until then payments were always made in a timely manner. In late XXXX I was asked to send proof of flood insurance, which I did. However, a forced insurance policy was placed on my loan and the payment went from {$440.00} to {$1300.00}, due to an escrow account that was added. After numerous phone calls with Collections, Insurance Department and Customer Service nothing has been done, after I have been reassured time again that the matter was going to be fixed by XXXX. I keep receiving calls from Collections on practically a daily basis, the last agent told me that I may be at risk of my property being foreclosed. This is preposterous, I have told them time and again that I am willing to pay the monthly payment that was agreed on at loan inception, the company will not allow me to pay anything but the {$1000.00} online or with a collections representative. 

I am at my wits end and I need resolutions with this issue, they are at fault, I have given them what they asked for and they have force placed insurance coverage causing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have tried to access my TD banking account for the past three months and I havent been able to. I have tried to contact executive management and I have tried to contact every single branch around me to see if they can help me out but every single time they just say we can not do anything about it sorry like weve tried to reset passwords logins different computers phones everything and they still cant figure it out but because of that I can not access my funds I can not transfer anything I can not do anything with it and I even tried closing it and talking to management theres nothing else they can do about it.

Company response to consumer: Closed with explanation