vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-16 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: CT

Complaint narrative:
This is in accordance to the Fair Credit Reporting Act. XXXX account XXXX and XXXX XXXX XXXX account XXXX. 

15 USC 1681 602A I have a right to privacy.

15 USC 1681 604a sec 2 states consumer reporting agency can not furnish an account without my written instruction.

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 2023-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
After our last complaint we were finally able to get our loss mitigation application approved and a trial repayment plan set up on XX/XX/XXXX. This document clearly stated to call, write OR make the first payment by XX/XX/XXXX. We called and made a payment before that date and mailed the documents back signed later after being told to via phone even though there was nowhere to sign. Our trial period is XXXX, XXXX and XXXX. I received a call from collections this morning again asking for our full forbearance balance to be paid and I asked why only to be told that loss Mit removed us from our plan for not returning documents. Naturally I call loss Mit to ask what documents and she says USDA you have to sign and return, well we did. I have email confirmation from consumer advocacy that we in fact accepted our plan by XX/XX/XXXX. The rep tells us to file a complaint with loss Mit proxy because we did everything asked and she cant reverse it. So now here we are planning to make our 2nd trial payment next Friday and were removed from our plan again without a valid reason. This needs to be made right and our plan reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I used Lexington law firm from XXXX I paid $ XXXX for credit repair services. They did nothing for my credit. No credit related issues were fixed and nothing was removed. I called them several times asking for updates with little to no help. I wasted $ XXXX of dollars thinking this was the best action to take. After terminating my services with Lexington law they still charged me unexpected and unlawfully XXXX/month. Ive called and emailed them several times to delete my account info so I wouldnt be charged but every month I continue to get charged. They have refunded me XXXX every month after calling them. I would like a full refund from the start of my services XXXX for service that I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: ID

Complaint narrative:
I paid this account of on XX/XX/2023 and the company XXXX XXXX XXXX XXXX and XXXX XXXX was to report it two the three credit agencies but has not.

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 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Hello, I am writing to complain about excessive and unlawful fees being charged for International transactions by XXXXXXXX XXXX. My daughter, son and I traveled to XXXX last week. XXXX already charges an unreasonably high amount for international transaction fees at 4 %, ( I was charged a total of {$99.00} in international fees ), but the transaction that is really the most egregious is when my daughter, who has remained in XXXX for one additional week, withdrew XXXX Euros from a XXXX ATM. She made a point of finding a XXXX ATM, since they are our bank, to try to avoid fees. 

On XX/XX/XXXX, My daughter XXXX XXXX, whose Student Value checking account is linked to my own, withdrew XXXX Euros, and was charged {$170.00} in USD. 

The exchange rate for Euros is around XXXX, so XXXX Euros should have been worth about {$150.00}. 

The phone representative I spoke with yesterday from XXXX told me to call back today since the department that handled foreign transactions was unavailable. I called back today ( XX/XX/XXXX ), and was placed on hold for a while only to be told that that department was not allowed to speak with customers. 

I spoke with a supervisor who said that she was charged an exchange rate of XXXX on XX/XX/XXXX, which is excessively high. I realize the rate fluctuates each day, but not that much. We have checked each day, and it has been right around XXXX. That still only brings the total to {$170.00}. I asked where the other {$9.00} came from and they said that was charged by XXXX in XXXX. This is a hidden fee that was never disclosed. 

In addition to this they charged her a {$6.00} cash withdrawal fee, and a {$7.00} international transaction fee. If they are charging hidden fees for withdrawals from the bank in XXXX, why are they also charging her an international transaction fee? 

All together, she was charged {$34.00} for this transaction, which outrageous. She is still in XXXX, and needs to withdraw more money, but she is a XXXX, and she is worried that she can not afford the excessive fees to use her own money. 

I understand that XXXX in the US is different than XXXX in XXXX, but having an international relationship should allow the bank to give their customers more favorable terms, but instead they are taking this opportunity to rip them off with excessively high exchange rates and hidden junk fees. I would appreciate you investigating this matter. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX MA 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 2023-03-16 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:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX had violated my rights! 
15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2.

It also states that a consumer reporting agency can not furnish your account without my written instructions.

15 usc 1681 ( a ) ( 5 ) states no consumer reporting agency can make any consumer report containing any of the following items of information any adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent {$200.00} through XXXX from my personal account with Truist on XX/XX/23. The scam was facilitated by XXXX XXXX  and emails on XX/XX/23 from XXXX ( confirmed not XXXX ) stating I needed to reimburse the buyer who had bought a wallet and I have already shipped ( paid for shipping of {$13.00} ). The funds would be released in XXXX once the {$200.00} was received. I have no transactions in XXXX ( verified by XXXX ) and the money is out of my checking account to XXXX XXXX - XXXX in XXXX. The XXXX XXXXXXXX buyer is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX PA 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 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western Management Consultants
State: CT

Complaint narrative:
I am not responsible for a debt this company claims I own. I am not responsible for the debt Western Management Consultants, LLC claims that I am responsible for and they have not provided any proof or shown a contract as I have asked them to. I never signed a contract or entered into any agreement with this company, or the original creditor. Apart of that this company is not licensed to collect any debt in Connecticut

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-03-16 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not all opened by me. This has been hurting me as I am in the process of buying a home for my family. please remove these fraudulent accounts from my credit report 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 2023-03-16 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: Nelnet, Inc.
State: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that my date on delinquency is incorrect and it been more than 7 years on my Credit Report. Re-aging my account is illegal and this needs to be corrected as soon as possible. I tried resolving this issue with Nelnet and I haven't get any response and issue was never resolved.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. : Furnisher : Nelnet Account Name : XXXX XXXX Account Number Ending # : XXXX and XXXX and XXXX and XXXX Please investigate and provide Proof with statements showing the accurate date of delinquency. If proof can't be provided I demand these to be updated to the correct date as they should be. Re-aging any account is illegal against the law. causing me damages to my Credit Report. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: NM

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX New Mexico XXXX XXXX, New Mexico XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. After reviewing my report, I have found several items that I believe are inaccurate and do not belong to me. 

Firstly, I am unaware of an account with XXXX XXXX XXXX ( Account Number : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I request that it be deleted from my credit report. 

Secondly, I have no recollection of an account with XXXX XXXX XXXX ( Account Number : XXXX ). Therefore, it is not possible for you to update an account that I have no recollection of belonging to me. I demand that this account be removed immediately from my credit report. 

Thirdly, I can not recognize the business of XXXX XXXX ( Account Number : XXXX ). I request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Fourthly, I have no recollection of an account with XXXX XXXX XXXX XXXX. ( Account XXXX : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Additionally, I have no recollection of authorizing credit inquiries by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand that these inquiries be removed from my credit report as they were not authorized by me. 

Lastly, to the best of my knowledge, my account with XXXX XXXX XXXX ( Account Number : XXXX ) has never been paid late. Therefore, your reporting of my account is completely inaccurate, and it is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

I would appreciate your prompt attention to these matters and request that you provide me with written confirmation once these issues have been resolved. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
We purchased our home in 2001 at {$150000.00} with one company. Over the years our mortgage changed hands a number of times and has ended up with Select Portfolio Servicing. We had one situation where we ended up in court to save our house. We have been doing pretty well until recently. 
I have tried numerous times to get answers as to why the numbers don't add up after 20 years. They say the balance is {$140000.00} which I find hard to believe that after 20 years we have only paid {$13000.00}. Every person I have talked to can't or won't give me any answers. 
I never talk to the same person and I can never get a hold of my Relationship Manager assigned to our account. We are currently 2 months behind and they are threatening foreclosure action again. They have left notices on our door saying that they have tried to contact us, which they haven't. We don't want to lose our home but, it's going to take some time which they don't want to give us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: 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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or the list of inquiries 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 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 or 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 non-monetary relief
Consumer complaint received 2023-03-16 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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or the list of inquiries 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 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 or 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 non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Berlin-Wheeler, Inc. (Kansas)
State: NY

Complaint narrative:
i got 3 collections from XXXX account. i don't know what company this i never used this company

Company response to consumer: Closed with explanation