vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: JPMORGAN CHASE & CO.
State: NC

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

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

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

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX I called the customer call center to cancel my business account and paid the total amount they confirmed. 

Today XX/XX/XXXX I checked the account, and it appears an amount of {$26.00} as an interest charge on purchases, XXXX month after, having explained to the bank agent I would not like an additional interest beyond scheduled amounts to be assessed, to prevent this situation, due to the illegality of the charge. 

Having already been in this situation in my personal bank account I request the authority to review this illegal charge and answer my request cancelling the {$26.00} amount.

I request such authority to review the process the bank have when a customer ask for a cancellation of a credit bank. Because from my perspective these activities affect the customers in the following manners : 1 ) The Bank is using its services for personal gain, avoiding the cancellation of a credit card at the time the customer is asking.

2 ) The customer may loss a good amount of money in the case of a major amount owed and maintain the account open without the customer notice.

3 ) The Bank should implement better security measures and quick process at this kind of requests giving the customer an accurate figure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On Saturday evening XX/XX/XXXX I received an email from Bank of America with the following subject line : Your Mortgage Correspondence is Available in Mobile and Online Banking XXXX Bank of America XXXX XXXX Sat, XX/XX/XXXX, XXXX ] After logging in to my Bank of America Mortgage account I got this message : " Online access ( including payments ) is not available for this account We apologize for any inconvenience. 
For account information, please refer to your paper statement, or call XXXX If we need to send you any mortgage account documents, we'll mail them to the address we have on file for you. '' Bank of America should not be allowed to freeze customers out of their Mortgage Accounts and should not be emailing them that their is Correspondence Available when in fact it is not accessible. 

XXXX XXXX Bank of America informed the CFPB that it answered a complaint that I made and that they sent that answer to me. How am I to access the Bank of America answer if I can not access my account. If Bank of America sent it to me in the mail or via XXXX or XXXX I have not received it. 

In addition to not allowing me to access my Mortgage account to check if the answer to my CFPB Complaint is there, and if there, to read it I also can not access information that is relevant to making a complaint ( s ) to the CFPB. 

Bank of America should not be allowed to block access to Mortgage accounts ( My mortgage is a Countrywide Mortgage that originated in XXXX ). As the borrower / mortgagor I should be allowed to access my account, which includes key documents and account history.

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 2023-06-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am having trouble communicating effectively with Equifax in an effort to have my credit reports correctly reporting. This is time sensitive. I am in a first time home buyer program administered by a non profit for the county where I live and they are very very picky. As with many government matters, they insist on real time accuracy. My deadline is Friday, XX/XX/2023, at XXXX XXXX. pacific. Equifax has " disputes '' open but a prolonged " investigation '' isn't warranted under these circumstances. All these accounts have a balance of zero. I was able to get a letter almost immediately from these credit furnishers. Equifax works with them electronically - so why aren't my reports updated with greater efficiency? I have been attempting to fax information ( attached ) to Equifax but their known fax numbers do not seem to be working any longer. I need a working fax number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: IL

Complaint narrative:
Navient A XXXX Nightmare After the high-pressure recruiting calls and promises of XXXX XXXX I enrolled in the XXXX XXXX program in XX/XX/XXXX. 
The program tuition was {$21000.00}. I was able to get federal student loans but XXXX then wanted {$5800.00} cash for the remaining amount. I did not have the cash, so they told me about a XXXX XXXX XXXX. I took out the XXXX XXXX XXXX for {$5800.00} through Sallie Mae. And then, they gave me a pink sheet titled Need Money? Sallie Mae offers a loan program for students that need money. I was then introduced to the XXXX XXXX  loans that exceeded the cost of tuition and I took out 2 XXXX XXXX Loans both for {$5200.00} each. 
Currently I owe {$18000.00} to Sallie Mae/Navient for the 3 private student loans that they continue to bill for. I ended up consolidating my federal loans with XXXX. 
My husband and I unfortunately had to file XXXX  XXXX Bankruptcy on XX/XX/XXXX XXXX XX/XX/XXXX in the XXXX XXXX XXXX Illinois ; Sallie Mae was listed along with other creditors. 
My husband became ill shortly after the bankruptcy discharge and was diagnosed with XXXX XXXX in XX/XX/XXXX. After two XXXX at XXXX XXXX and living in XXXX away from our kids for treatment he passed away two days before XXXX XX/XX/XXXX. 
At XXXX I found myself a widower with XXXX girls and a mountain of debt again. I have continued to make payments to Navient because they kept calling and harassing. In and out of forbearance, payment reduction, interest only and have not made any progress. 
I feel like someone has been jabbing a fork in me now and turning it as hard as they can. Navient has done so much damage in so many ways through these years. Simply put, Navient preyed on me for several years. They threatened so I paid what I could. My husband died of XXXX, and I had XXXX girls to take care of and I was working as much as I could. I am emotionally drained by them. Every loan that I have applied for, the interest rate has been based on my credit. Navient has ruined my credit because they said I owed this money and come to find out it should have been discharged in XXXX. I recently had to co-sign on my youngest daughters student loan and her interest rate was high because of my credit due to Navient reporting my delinquency. 
Navient has continued to make collection attempts on my private loans that were discharged. Currently I am on a program with Navient where they automatically take out of my checking account monthly. They will no longer be receiving any payments from me again and need to cease collections immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
My ex husband got a house with me in my name then he XXXX XXXX me and I moved out and filed foXXXX XXXX  and the magistrate ordered him to refinance to get in his name in XX/XX/202. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
This is an old accounting XXXX agency needs to remove and cease all firms of communication

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
My ex husband got a house with me in my name then he XXXX XXXX  me and I moved out and filed for XXXX and the magistrate ordered him to refinance to get in his name in XX/XX/202. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: NV

Complaint narrative:
I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report as provided by Equifax. Despite my initial contact with Equifax on XX/XX/XXXX, I have not received a response to date. As per the guidelines outlined by the Fair Credit Reporting Act, I request your assistance in addressing this matter. 


The following discrepancies and required corrections pertain to my credit report : Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$3600.00} I dispute the accuracy of the information provided for the aforementioned account. The reported balance of {$3600.00} is higher than what I recall. I request the removal of the amount indicated in the " Past Due '' section, as this account has a closed and charged-off status. I intend to communicate with the creditor responsible for this account to resolve any discrepancies in the reported data. Until the appropriate corrections are made, I kindly request that this account be marked as disputed. 

Account Name XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Your agency has reported inaccurate information regarding the account mentioned above. The account is incorrectly associated with the company you have indicated, XXXX  XXXX, while my original creditor is XXXX XXXX XXXX XXXX, an entirely different entity. I have not entered into any contractual agreement with XXXX XXXX XXXX, nor have I ever been contacted by them. Furthermore, the reported balance of {$450.00} does not align with my recollection. In light of these inaccuracies, I am disputing the entire account and request verification of the " Date Opened '' and " Date of First Delinquency. '' Account Name : XXXX - XXXX XXXX Date Opened : XXXX. XXXX, XXXX Highest Balance : {$22000.00} I assert that the aforementioned account was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 

Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Highest Balance : {$25000.00} The account indicated above was never late. I dispute the accuracy of the reported information and kindly request that you correct/update it on my credit report. 

Account Name : XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$310.00} I confirm that the account specified above was never late. The reported information is incorrect, and I request that you correct/update it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXXederal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following accounts XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2100.00}

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 2023-06-22 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: CA

Complaint narrative:
On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following accounts : XXXX  XXXX Balance : {$700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2100.00}

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 2023-06-22 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: FL

Complaint narrative:
im an id theft victim. These accounts are not mine, XXXX XXXXXXXX XXXX {$5600.00} XXXX # NA XXXXXXXX XXXX XXXX {$6800.00} Authorized user XXXX # NA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: FL

Complaint narrative:
im an id theft victim. These accounts are not mine, XXXX XXXXXXXX XXXX  {$5600.00} XXXX # NA XXXX XXXXXXXX XXXX {$6800.00} Authorized user XXXX # NA

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX  XXXX, XXXX XXXX, 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 non-monetary relief