vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On the XXXX of XX/XX/2023 I received an email from Bank of America asking to verify my account, then a followed-up email saying that I have enrolled in online banking and last another email informing me that my application to open up a checking account was denied. I did not apply for any type of banking products from Bank of America. I did reach out to them today the XXXX of XX/XX/2023 about the emails and they did confirm that it was a case of stolen identity. The Bank of America representative did say that the application was denied and that no further action is needed. They did make some suggestion on making an official complaint with the FTC and to notify the Credit Bureau to freeze my accounts.

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 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
Debt was paid in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
XX/XX/XXXX submitted my XXXX form payment history was partially updated. A form was mislabeled as duplicate. I called in the beginning at XXXX and was told it would be resubmitted. We are in XXXX and my payment account has still not been updated. 

I also want to remove past in school deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
We are having a problem with the Company Affirm and XXXX trying to collect money thats not owed to them and they have already been refunded back already by the vendors XXXX XXXX and XXXX XXXX. Affirm is trying to force us along with XXXX to pay money we do not owe and damage our credit with this collection they have on us. 
In XXXX of XXXX my husband and I went on to XXXX website to book a flight from XXXX, XXXX to XXXX Florida for dates XX/XX/XXXX XX/XX/XXXX. The first booking was made on XX/XX/XXXX, under XXXX Trip number XXXX in the amount of {$540.00}. The company Affirm was the loan Payment Company under XXXX XXXX in which XXXX was the merchant. When you book with them the reservation is paid in full to the Airline by a credit card XXXX or Affirm and you make your loan payments to Affirm. I never during the transaction ever provided a credit card or anything just my back account to be drafted for the payments from Affirm. 
On XX/XX/XXXX, we canceled this flight due to medical reason which is allowed with the airline as long as we can provide the medical documentation with it. My Husbands Medical Doctor did provide the medical documentation reason letter to why he wasnt able to fly. I have provided Affirm, XXXX several times documentation showing on XX/XX/XXXX @ XXXX XXXX XXXX booking cancellation and a refunded back to them under reference Code XXXX. XXXX XXXX also cancelled on XX/XX/XXXX, under reference XXXX XXXX. The company Affirm is trying to say Im not allowed to cancel a flight regardless of my husband medical condition and price line is supporting it. All of this detail information was also disused with XXXX Manager XXXX XXXX XXXX  XXXX and XXXX in Travel department who refuse to give her Employee ID. 

We have received letters from Affirm stating during their dispute investigation that we are responsible for the loan still. Since we couldnt get closure with Affirm we contacted our attorney and they sent them a letter XX/XX/XXXX, disputing the collection. It wasnt until XX/XX/XXXX, that we got a response back from XXXX XXXX Legal/Agency Complaint Specialist of XXXX XXXX XXXX ( See attachment ) The information he provide is false because we never provide a credit card. On XX/XX/XXXX, we contacted both XXXX XXXX and XXXX on a record call asking them to verify the credit cards they refunded. We gave them every credit card number we owed and none of our card is the ones used for the reservation or the card they refunded. The information XXXX XXXX XXXX is a complete lie. We reached out to XXXX XXXX XXXX and Affirm on XX/XX/XXXX, and as of this day XX/XX/XXXX, we have not heard back from him or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Professional Debt Mediation, Inc.
State: TX

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Resurgent Capital Services L.P.
State: TX

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First National Collection Bureau, Inc.
State: WI

Complaint narrative:
Closed on credit account back in 2012 and debt collector rude stating I owe and that they sent me documents and I never recieved. Charging me for debt over 10yrs old. that I already paid

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
This is a story of both personal accountability and corporate negligence. In XXXX, XXXX, with $ XXXX in my bank account from selling my home, I went to a store to finance a couch set for 12 months at no interest in the amount of {$2800.00}. The store ( XXXX XXXX XXXX, NC ) used TD Bank d/b/a XXXX I received my statement and input my account number and routing number intending to pay $ XXXX to pay it off in roughly 6 months. My payment never processed, and I was told I was late. I am never late. I called the company to remit the payment over the phone. To my surprise, that did not work either. Frustrated, in XXXX, XXXX, I called to remit the payment in full which was now up to approximately {$2900.00}. That was not returned either and I was told there were no issues showing on their side with the account. It's also worth noting, that I could not see what the issue was either as the Acc/Routing numbers are semi-redacted with " XXXX. '' Fast forward to XXXX XXXX, XXXX, I ended up remitting a total of {$3400.00} after re-submitting my account information. Remember, I at all times had the money t0 pay for the couches in full. I am fortunate to make a six-figure salary as well. 

Present day -- I am applying for a home loan and see that my account was marked " derogatory '' for failure to make payments on time. I was and am livid. How could this be when I attempted so many times to pay the couch in full? Well, after 7-8 phone calls with pleasant but unhelpful representatives, I find out that there was one digit incorrectly input in my original input from XXXX, XXXX. That one digit was the source of my late payments, NSF assessments, and ultimately, a " derogatory '' account mark on my and my wife 's credit scores. I was previously above XXXX and am now in the XXXX 's. I am being forced to pay an increased loan origination fee of roughly {$3700.00} with my home lender because of this derogatory account marker on my account. 

It seems to me that a consumer finance company should have measures in place to assist customers that actively try to pay their credit card accounts but experience typographical or technological issues. I received no phone call, email, or any indication during any of my multiple phone calls where I voluntarily tried to resolve the issue. And now, the company has made an additional {$600.00} from the late fees, and I am being cost {$3700.00} more that I would not have had to pay otherwise. 

My complaint is based in failure to diligently assess customer behavior. I was very clearly attempting to make my payment. But that was of no consequence to this company. It's a sad world where companies destroy peoples credit and unfairly cost them money. I had all the best intentions, apparently made an error, and now I will pay almost {$4000.00} plus additional interest over the cost of my 30 year home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: MO

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 U.S.C 1681. 

Account name : XXXX XXXX  Date : XX/XX/XXXX, Account name : XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX Date : XX/XX/XXXX, Account Name XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX Date : XX/XX/XXXX, Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX : XX/XX/XXXX, Account name : XXXX XXXX XXXX : XX/XX/XXXX, Account name : XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. Account name : XXXX  XXXX Bankruptcy XXXX Date:10/10/2013. 

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, 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, 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 a 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 2023-05-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
on XX/XX/XXXX we filed for XXXX  XXXX bankruptcy Navient removed the debt from my credit report after the filing meeting of creditors was on XX/XX/XXXX, there were no objections raised by any creditors whatsoever. none even attended the call my credit report stays blank all thru XXXX and XXXX bankruptcy was discharged on XX/XX/XXXX with no contests or any exceptions whatsoever case number XXXX on XX/XX/XXXX or shortly thereafter, Navient re-listed the debt on my credit report, sent me a demand for payment, and began charging me interest and late fees this is a private student loan that was found to be predatory in nature. the loan is involved in a federal lawsuit AGAINST Navient for being unfair, and calling for it's discharge this debt should not be collected upon. it is a student loan for XXXX XXXX XXXX, which was found in federal court to have defrauded attendees and borrowers of federally backed student loans. 

the money was loaned to me by Navient, a company accused in federal court of defrauding and misleading me and thousands of others and trapping them in these private loans unfairly and with known collaboration with the education institutions to hike the prices and make the common person foot the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: VA

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, 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 non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Since XXXX of XXXX I have been unable to place or remove a security freeze from Equifax credit report online or over the phone. I let them know about this issue in XXXX of XXXX and XXXX of XXXX with what turned out to be empty promises that they would correct the problem. 

As a consumer I have been unable to probably protect myself and my identity for more than 6 months due to the negligence exhibited by Equifax. They are in violation of Public Law 115-174

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XXXX just sold my information after i complained about it on here. This is fraudulent in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my consumer report and noticed unauthorized inquiries XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have been with Wells Fargo Home Mortgage since XXXX and during that time from XXXX until today my escrow shortage has raised significantly making it harder to pay my mortgage, I have reached out several times to refinance or modify my terms and have I been repeatedly told that I don't qualify and have been charged high fees to even start the process even though I only owe XXXX on my loan my wife and I are on limited income with no recourse but to let our home get foreclosed on, my age is XXXX and my wife is 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 2023-05-19 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: MO

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 XXXX U.S.C XXXX. 

Account name : XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX  Date : XX/XX/XXXX, Account Name : XXXX XXXX  Date : XX/XX/XXXX, Account name : XXXX XXXX  Date : XX/XX/XXXX, Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX : XX/XX/XXXX, Account name : XXXX XXXX XXXX : XX/XX/XXXX, Account name : XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. Account name : XXXX XXXX XXXX discharged DateXXXX. 

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, 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, 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 a 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 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank let a merchandise XXXX XXXX XXXX overcharge me XXXX from a my checking account without me having funds I did reported this transaction in the past this company did not did anything about it also charged me same fraudulent amounts from another credit cards without my authorization

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 2023-05-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: FL

Complaint narrative:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report. 

I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/2023 I decided I would pay my balance due of {$490.00} early to get it out the way. My payment was not due until XX/XX/2023 of every month. On XX/XX/2023 my payment of {$490.00} was returned due to payment account issues which is my fault I take accountability for accidentally clicking the wrong card to pay off my balance. It was unintentional because I have tried to use my work XXXX XXXX XXXX card my very first time to pay off my balance and it was returned immediately which resulted in me paying my balance with my XXXX XXXX debit card which I had intended to do so if my rapid pay debit card didnt go through. So fast forward to XX/XX/2023, I was going to pay for something quickly my card declined resulting me to check my application and did not notice this issue until I logged onto my capitol one application on my cellular phone. I quickly made a call to XXXX and was told I can pay it off before XXXX and all should be fine. My account wasnt permanently closed until after they confirmed my payment of {$490.00} on XX/XX/2023. Mind you I was never mentioned that they would close my account the only thing my account on the application said that it was restricted. I am frustrated because I understand I might have violated their terms in their words as they said but it shouldve not result in me not being able to get approved by any credit card company. The capitol one representatives let me know I am able to apply for another credit card but am not guaranteed an approval again. I have tried since then to apply again and was denied. I also applied for an XXXX credit card and was denied because of my credit. I am reliable and I made this mistake two times only. I am a single mother and work full time. I just want this resolved so I am able to apply for another credit card in the near future. I am not in debt, I knew my responsibilities and I was just being cautious so I wanted to pay early but I made a mistake.

Company response to consumer: Closed with explanation