vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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. 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 2022-07-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, 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. 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 2022-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I obtained a 10 day payoff quote amount from Bridgecrest in the amount of {$16000.00} for a XXXX XXXX XXXX, account number XXXX. I applied for a refinance loan through XXXX XXXX XXXX XXXX for this amount and was approved. I picked the check up on XX/XX/XXXX and called Bridgecrest and was told that the actual payoff amount was {$16000.00} and when asked for the info to pay the car off, I was given a XXXX XXXX XXXX send the check to. I sent the check via certified mail on XX/XX/XXXX with tracking number XXXX XXXX XXXX XXXX XXXX. The company says they didnt receive the payment until XX/XX/XXXX & posted it XX/XX/XXXX leaving a balance of XXXX on the account. When calling to ask why I had a balance when the woman that I spoke with on XX/XX/XXXX said that the payoff amount was actually cheaper than what I sent, I was given attitude and the run around, told that I cant speak with a supervisor and kept being placed on hold and passed around to escalations. So, finally I just requested the check to be sent back and was first told that it couldnt be done, then, after a long hold, was told that its a XXXX party check and theyll send it to them instead, even though the check was made out to me. I was told this after I told them Id rather take the check and purchase a new vehicle from someone else who values me as a customer and let them have their car back. I was also told by XXXX ( ID # XXXX that I cant give the car back. When looking into the matter I found that they arent supposed to send any refunds to a third party and theyre supposed to go off the post mark on the check and envelope. Once I found this, I asked them to pause on the refund until I filed my complaint with you guys.

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 2022-07-14 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: MD

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days. And you'll are required by law to do so. Please investigate my disputes please. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I was a victim of identity theft and multiple banks were tried to open a line of credit under my name with my information. XXXX Bank XXXX XXXX did not accept the application because they couldnt verify my identity. Bank XXXX XXXX also denied the application and called me to verify if it was identity theft or not. Citizens one bank however, let the account be fraudulently opened under my information, and let a large balance be accrued. I had to freeze all XXXX of my credit bureaus and report to the FTC about my identity theft. I opened a claim with citizens one bank, and the person I spoke with on the phone said to file the claim online and they would fix the account and balance that I did not personally open. After I followed all the steps to report this account as fraud and identity theft, citizens one bank denied my claim, and is saying that I opened it and they are requiring me to pay a balance for charges I did not make. This needs to be overturned and resolved. I will not be a victim that pays for something I didnt charge, on an account that I did not open. This whole event of having my identity stolen has been grueling enough to deal with. The bank needs to update its security measures to ensure that people who are opening accounts have their identities verified, instead of just letting things push through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Oklahoma Student Loan Authority
State: NJ

Complaint narrative:
I had XXXX 90 day late payments reported on my credit report which has severely hurt my credit score preventing me to be in a position to get credit cards, loans, etc. It has put my score under 660 and still struggling to bring it up because of these XXXX late payments. Those payments were for a student loan from OSLA that I was not aware I had to pay as I had no way to access my account. They didn't contact me about my late payments, and if they did they just said I had a message pending. I would have trouble accessing my accounts. I would keep getting locked out. I tried everything in terms of resetting passwords, and answering questions but was able to get access to my account. I tried calling their support in an attempt to fix my account, only to be left on hold for hours, and being transferred and have the line hang up. I use my phone for work so this also slowed down my work. The entire process was not easy at all which is why it took so long to finally reach them. Once I got to my account I realized that XXXX of the loans had started and I didn't have any clue or have auto-pay setup. They were leaving me to have appeared as I missed XXXX 90 day late payments when I was not aware of the whole situation. This has been very difficult to try to get credit, or secure loans for anything XXXX needed.. ( houses, cars, assets )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Freedom mortgage processed an auto-payment that was due on XX/XX/XXXX of this year a day early on XX/XX/XXXX of 2021. Since that day, they have shown me as being one month past due because of a glitch in their accounting system. I am receiving automated phone calls weekly from them telling me I'm behind on my payments. I have spoken with customer service reps and managers XXXX total times. Each time they tell me I am current, their system made a mistake, and they are working to fix it. 
XXXX months now they have shown my account in loss mitigation. They refuse to provide me any updates in writing, give me status updates, codes, or any other information I can use to prove that I am up to date. Despite ensuring me over the phone each time that no action will be taken against me, they refuse to provide me with any proof I am up to date. Their website also contains no information on my account other than a page that says " Your account is in active loss mitigation ''. It doesn't even specify the amount past due. I have had my account on auto payment since they took over my loan sometime last year and have never missed a payment. 

My loan due amount changed on XX/XX/XXXX of this year due to escrow changes. Despite showing me in loss mitigation, my bills have remained consistent and the due amount has gone down.

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 2022-07-14 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: Kriya Capital, LLC
State: IL

Complaint narrative:
My identity got stolen and someone from XXXX Arizona opened XXXX XXXX account in my name I have never been to Arizona! I had no idea this was going on Until it appears on my credit report and a collection please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Servicer changed from XXXX XXXX to XXXX then to Nelnet. 

Nelnet was not able to provide me with a complete payment history of my loans. Loan payment amount should be over 30,000 dollars and report sent to me showed one payment in XXXX. I have been out of school since XXXX so I know for a fact this is incorrect but no data is available from the previous servicer. The website doesn't even exist anymore. This data should have been transferred with my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AAA Collections
State: SD

Complaint narrative:
I am receiving lot of spam, silent and harassment calls from AAA Collections. The debt collector is also using false, deceptive, or misleading representation or means in connection with the collection of debt. Its violation of FDCPA Act. I would request the collection agency to stop harassment tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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 XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX bank 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. XXXX bank, N.A XXXX. XXXX XXXX XXXX 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 2022-07-14 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: TekCollect Inc.
State: CA

Complaint narrative:
TEK 's response to my original CFPB complaint is inaccurate. 

Company 's Response In a call on XX/XX/XXXX, the consumer disputed the debt. the allegation was that the property at the address for the services, was sold in XX/XX/XXXX and he was not responsible as the proceeded the sale. No offer of payment was made. On XX/XX/XXXX, TekCollect sent validation of the debt to the consumer. It is attached. The validation shows that the charges involved precede the sale and are the responsibility of the consumer. No one at Tekcollect has told the consumer otherwise or that the debt is uncollectible. If the consumer wishes to pay this debt, he may do so by calling our toll-free number ( XXXX ) XXXX, extension XXXX and speak with our XXXX XXXX XXXX XXXX XXXX XXXX 's email address is XXXX. XXXX XXXX phone XXXX XXXX email XXXX After I received this reply ( above ) from TEK from my previous CFPB complaint I contacted Tek Collect based on the instructions that were left with their company response on the Consumer Financial Protection Bureau. The number that was listed to call to pay the debt was ( XXXX ) XXXX and the company that picked up the call was a company called XXXX XXXX and NOT Tek Collect. I asked the operator if the extension ( as indicated on the company response XXXX ) for XXXX XXXX was there and they told me that the number was incorrect and the person did not exist in their company. 

I then called XXXX XXXX that was indicated on the letter ( XXXX XXXX ) and it seemed to have gone to his cellphone or a personal phone if some kind as there was no recording indicating that the phone call was being recorded etc. He then proceeded to tell me that the debt was already paid in XXXX and that the payment was fulfilled. But when I asked him why the debt was still showing on my credit report he said that it didnt make sense and he has no idea why. I then proceeded to ask him if the debt has already been fulfilled if they could remove it from my credit report to which he said he will remove it immediately. There was no confirmation number or any reference given to me indicating that this was done. Hence I am writing to you letting you know about the exchange and my attempt to have this resolved in a timely fashion. Unfortunately, Tek Collect doesnt seem to make paying the debt ( even if it is inaccurate and false ) easier for the consumer. Their process seems to be meandering and very difficult to navigate for the average consumer who is trying to settle a clear violation of their consumer rights. If this is not resolved with this second attempt, I will be hiring a FCRA lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a customer of Capital one, it is only a {$2500.00} credit on my account. Never missed a payment ever. My bank returned payment during XXXX. 

Capital One DID NOT call me at all to tell me or try to collect. I paid this overdue payment from XXXX and on the day or the day after this payment became 30 days late they have reported me to the credit bureaus as 30 days late. 

I have tried to get them to remove this but they won't. Literally every single other credit account calls me to tell me and also to try and collect over the phone and they DID NOT. 

It is very unnecessary of them to report this. I am a single XXXX and trying to move to a new place and this will lower my score 100 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I reported fraud to my account and someone else went and contacted the back and stated that they didn't report it than it was going back and fort so the bank decided to close the cases and than turned around and stated that they are going to take the money out the account that they owe me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plus overdraft fees that I had to pay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I received a text message from an unknown phone number ( XXXX ). The message infers that Chase Bank is contacting me to confirm if I made a {$450.00} purchase. The message directs me to " please click on the link below '' to resolve the matter. The link is http : XXXX I DO NOT HAVE A CHASE BANK ACCOUNT ( nor a Chase Bank credit card ). I did not click on the link because I dont know if it will expose my computer/phone device to malware. I am reporting this matter to CFPB because I was directed to this site from the FTC website. If this is not the correct agency for this matter, please forward the complaint to the correct agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF HAWAII CORPORATION
State: WA

Complaint narrative:
I have tried to close this account for a year. Their website does not allow me in even after reset of password and the bank doesn't send statements. I have asked for assistance many times and always the promise someone will call back to help with no return call. I have asked several times for the bank to close the account and send the balance which they promise to do but never do. The last time I called I was told I have to go to the branch XXXX miles away as the account is listed as inactive. I asked for a supervisor and was told they would call but alas they never follow up. They also cashed a check last XXXX which was over a year old even tho I was told that checks over 6 months old are invalid. I did get an email from the bank with a link to their website when I asked for a statement but alas it was a link to their Website which I can't access. unbelievably unresponsive bank. There is really something wrong with this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have a closed account with XXXX that is reporting to the credit bureaus as 6 accounts with late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. My latest communication with XXXX was on XX/XX/XXXX, I spoke with XXXX and she verified that I only have one account with them and could not see why it was reporting 6 accounts. The account number is XXXX. The account was paid and closed on XX/XX/XXXX in the amount {$32000.00}. I have disputed the duplicate accounts with all 3 credit bureau and they have come back with accounts are correct. I have also previously spoken to a representive with XXXX regarding this. The accounts have the same account umber, same late payments, and same close date. Also the accounts are showing 90 days late on XX/XX/XXXX with no late payments prior to that date. How can an account report current in XXXX and 90 days late in 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 2022-07-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a closed account with XXXX that is reporting to the credit bureaus as 6 accounts with late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. My latest communication with XXXX was on XX/XX/XXXX, I spoke with XXXX and she verified that I only have one account with them and could not see why it was reporting 6 accounts. The account number is XXXX. The account was paid and closed on XX/XX/XXXX in the amount {$32000.00}. I have disputed the duplicate accounts with all 3 credit bureau and they have come back with accounts are correct. I have also previously spoken to a representive with XXXX regarding this. The accounts have the same account umber, same late payments, and same close date. Also the accounts are showing 90 days late on XX/XX/XXXX with no late payments prior to that date. How can an account report current in XXXX and 90 days late in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: TN

Complaint narrative:
I have a closed account with XXXX that is reporting to the credit bureaus as 6 accounts with late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. My latest communication with XXXX was on XX/XX/XXXX, I spoke with XXXX and she verified that I only have one account with them and could not see why it was reporting 6 accounts. The account number is XXXX. The account was paid and closed on XX/XX/XXXX in the amount {$32000.00}. I have disputed the duplicate accounts with all 3 credit bureau and they have come back with accounts are correct. I have also previously spoken to a representive with XXXX regarding this. The accounts have the same account umber, same late payments, and same close date. Also the accounts are showing 90 days late on XX/XX/XXXX with no late payments prior to that date. How can an account report current in XXXX and 90 days late in 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