vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-01-31 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: MD

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
Mohela is my loan service provider after being transferred from XXXX  this past summer. I am in the XXXX program and have been diligently filing my employment certifications since XX/XX/. After lengthy delays and no communication from Mohela, waiting on hold for hours or attempting to access the chat feature that pops up randomly and with no logical pattern, and speaking to multiple different reps on chat or via phone yet getting no consistent or clear information, I am now at XXXX payments and thus qualify for forgiveness. What is even more upsetting, aside from the difficulties mentioned above, is that Mohela can provide no clear or logical process about when I can expect loan forgiveness, whether I need to do anything more, or whether they have even processed my account to be marked for forgiveness. It feels as though they are doing what they can to delay this as much as possible. While i can only speculate, i suspect it COULD be due to wanting to keep things pending so folks end up having to make payments once the pause is over - regardless of whether they are eligible for forgiveness or not. I was told, during my last call, that i do not need to do anything further now that Ive met the payment threshold of XXXX, but my fear is this might not be true and somehow, because of that, my forgiveness will be delayed or somehow skipped over because of missing information from me. I know Im not alone in my frustration and concerns. Filing a complaint against this company feels like the only thing within my power that I can do, so here I am. I do understand they have been inundated since the changes to the program have been implemented and they have had high turn over and are short staffed. I have empathy there. But if they are hiring and training people all the time, what I cant understand is why there is such broad inconsistency in what the reps say. Further, why isnt there a transparent and clear process about how XXXX works?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act each XXXX XXXX XXXX XXXX XXXX has violated my rights. There are a total of XXXX of these accounts. 

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 I have disputed these accounts previously, it they came back as updated and accurate. I have attached screenshots from my most recent credit report, as well as the full credit report. There are several inaccuracies ranging from the last payment date, date reported, and date of last activity

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 2023-01-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-01-31 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: NJ

Complaint narrative:
XXXX accordance with the fair credit reporting act convergent, XXXX XXXX XXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX was told during the downturn if I paid 3 months in advance, I would be approved for a XXXX  by Wells Fargo. I made the payment, roughly {$3300.00} to cover XXXX XXXX. They forclosed on XXXX XXXX, XXXX after scamming me of my {$3300.00}. The address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
As of now, Bank of America refuses to issue my refund of my account as they said that the check I deposited was fraudulent. In fact, I deposited the same check with them back in XXXX and they will not give me any kind of statement as to why they are taking so long on my refund. Each of the customer service people have refused to give me any kind of statement and they keep changing my date on when my account will close. I still keep getting bank statements and it has my funds, but I can't access it.

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 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: V and H Portfolio
State: KY

Complaint narrative:
The debit was through XXXX XXXXXXXX XXXX XXXX we had disputed that and it went off the credit report and now Vance and HuffmaXXXX took over the debit and put it back on my credit report after successfully removing it off the credit report before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Re : Request for Bank of America to provide copies of ALL Credit Card and Bank Account Applications submitted for XXXX XXXX and my businesses, XXXX XXXX XXXX, XXXX XXXX. 

My name is XXXX XXXX, I have a Personal account at Bank of America and I had XXXX Business Accounts and a Trust Account. I opened a service ticket with Bank of America on Wednesday, XX/XX/2023 with Customer Service Agent XXXX - Ticket Number Case ID XXXX. My request is very simple. I requested copies of all Credit Applications and all Banking Account Applications submitted by me or my businesses. I was placed on hold for 3 Hours and then told some one from Bank of America would contact me in 48 Hours to tell me how to obtain copies of all credit card and bank account applications submitted by me or for me and my businesses including all Approved and Declined requests. 

No one ever contacted me and all of my access to the accounts in question has been removed. It is essential that I obtain copies of the applications that instantiated all accounts the bank is holding or held as me or on my behalf. I have been the victim of fraud and identity theft at Bank of America. 

Please have Bank of America provide copies of all Credit Card applications and Bank Account applications for the following : XXXX XXXX Social Security Number XXXX XXXX XXXX  XXXX XXXX ID XXXX XXXX XXXX Tax ID XXXX Please help me obtain these details so that I can assess which accounts were actually owned and controlled by me. All of my accounts have been plagued by what appears to be internal Bank fraud and account manipulation and errors at Bank of America. 

Thank You, XXXX 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 2023-01-31 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I would like to explain the problem in the simplest way possible. I bought several 12-hour packages on XXXX XXXX  is an online tutoring website. They made an automatic charge for 12 hours that I did not authorize. As soon as I complained to XXXX about this unauthorized charge, they issued me a refund. They charge a small fee per transaction, in this case, XXXX, which they charged to the card in order to give me a refund. They authorized the refund for XXXX but for some reason the bank did not apply it to my account. 
Please, you will be able to find attached to this document the XXXX refund receipt which by itself should clarify any doubt, and you will also be able to find the chats with customer service about the refund. 
As you can clearly see the problem is not with XXXX They agree with me that the charge of XXXX was unauthorized and approved my refund. the problem is with CITI BANK which refuses to give me my money back. 


citibank Case ID 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 2023-01-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
During XXXX, I used the CARES Act to apply for XXXX hardship mortgage forebearance. I contacted BBT/Truist in XX/XX/XXXX to let them know that my hardship was over and that I was ready to resume my mortgage payments. I was told that it did not just " pick back up '' where I left off but instead I either had to pay all my missed payments in one lump sum or I needed to do a loan modification. Since I could not afford to lump payment I told them I would do the Loan Modification. 

I was given the parameters that I needed to follow. Starting XX/XX/XXXX I started making monthly payments again on my mortgage. I followed all rules set forth for me regarding trial payments and was told I had met the requirements for loan modficiation. I filled out all paperwork and had it notarized. It was sent back and received by the company on XX/XX/XXXX. I continued to make my monthly payments while waiting for the loan to be removed from loss mitigation. Each time a payment was made via telephone I would ask about the status of my loan and the representative was never able to give me any details. I was only told to continue to wait. 

In early XXXX I recieved ANOTHER copy of the loan modification paperwork and was told I had to re do it all due to an error on their end. So we filled out the paperwork and had it notarized for a second time. It was received back by Truist Bank on XX/XX/XXXX according to tracking records. 

Since that time I have not been removed from loss mitigation nor has my loan been modified. I have continued to call monthly to make my mortgage payment and each time ask where I am at in the process and I can never get an answer, except to please be patient and continue to wait. 

Since letting Truist Bank know I no longer was under hardship, I have made 14 payments, filled out modification paperwork twice and yet nothing has changed. My payments do not go towards my balance but instead are being held in a suspense account. I continue to receive statements showing my mortage is in loss mitigation and my balance due continues to grow. I have continued to advise the customer representatives that I am no longer under a hardship and ready to continue to a conventional mortgage but nothing has been done.

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 2023-01-31 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: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2022 I had a check from my PNC Bank Checking Account made out to the XXXX  Department of Revenue for {$7500.00} stolen from the blue mailbox outside the post office. They changed the " Pay to the order of '' line to XXXX XXXX and deposited fraudulently. They withdrew {$7500.00} from my checking account and when I found out I immediately filed a fraud claim with PNC Bank. PNC bank received my notarized fraud claim on XX/XX/2022. I have now waited well over XXXX  days and haven't heard anything from them. I have called them multiple times to find out the status and they have no updates and keep giving me the run around. I have also tried calling XXXX  XXXX XXXX, the bank of first deposit and they can't even look up my case with the Case Number given to me by the Police Detective who is investigating and has a XXXX  XXXX XXXX case number. The Detective said that it was an open and shut case and they have already identified the individual who did it and arrested them. I am going to testify against them. I need to get my {$7500.00} back but PNC Bank and XXXX  XXXX XXXX have been completely unresponsive and unhelpful. I honestly feel that they are trying to steal my money and hoping I will just go away. I hope you prosecute them so they change this fraudulent behavior. Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Paid of entire balance due on my capitol one credit card and they continued to charge me interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I ordered an oven from XXXX online. It was the wrong size so I cancelled it on the same day. 
They use a 3rd party finance company called XXXX which I had used many times previously. 
XXXX will not remove the debt despite my having cancellation confirmation from XXXX and despite XXXX reaching out to them. 
XXXX has been texting, emailing and writing to me trying to collect a debt for an item never shipped or received from XXXX. 
They say I owe them {$1300.00}. 
I have submitted to them copies of emails from XXXX and still they will not leave me along. This began last summer. 
I feel this need to be addressed and to be something that future consumers need to know as to how XXXX and XXXX handle this type of issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has committed XXXX XXXX against me and my company. They have garnished my accounts of thousands of dollars under false pretenses. They have unfairly turned me down for loans, credit cards and secured credit cards when the money was in the account. I have had to argue and fight with these banking institutions for years. They have practice unethical practices and behavior..

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 2023-01-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation