vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX # XXXX Inaccurate reporting showing different dates of last activity, also showing different dates of opening and last dates report on all XXXX major credit reporting agencies. 
account showing a past due amount of {$490.00}. 
why is this account being reported inaccurately. 
this is a violation of the FCRA section 15 use 1681 2 ( a ) ( 1 ) ( F ) and is also in violation of requisite METRO2 Compliance implemented with the XXXX  enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am XXXX XXXX XXXX and have a credit history spanning 37+years. In XXXX of XXXX I wanted to purchase a home so I checked my 3 credit reports through XXXX XXXX XXXX. Equifax was one of those. In mid XXXX, the mortgage company checked the reports as well and all was fine. This week, the underwriters wanted one more look. But my Equifax credit report file was unavailable. I called Equifax and they told me that I DID NOT HAVE A CREDIT REPORT ON FILE WITH THEM!! I faxed in my social security card, my driver 's license, my address, previous address, date of birth, previous name, anything that would help. I spoke with 6 agents, one from fraud dept., and a supervisor. I have no Equifax credit file. Someone at Equifax deleted my information through fraud or incompetence. I need your help, please. There are the SAME people who caused the XXXX data breach. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2022-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
Name of account and address reporting to credit bureaus : AXCSSFN/CNGO XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( This address is incorrect and all USPS mail is returned ) AXCSSFN/CNGO is comprised of 2 ( two ) names not accredited via the XXXX  and XXXX no results via the Ohio XXXX. 

1. AXCSSFN Abbreviation for Axcess Financial Services address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX prior business name the XXXX XXXX XXXX XXXX 
2. XXXX Abbreviation for Check N Go address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this business uses several names carefully listed below. 

RELATED BUSINESSES : CNG XXXX XXXX XXXX. 
Allied Cash Advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Check N Go XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Axcess Financial / Axcess Financial Services Inc. 
XXXX XXXX XXXX name not registered with the Secretary of State CNG XXXX XXXX Business name not registered with the Secretary of State XXXX XXXX XXXX XXXX Business name not registered with the Secretary of State I have contacted the 3 major credit bureaus in reference to AXCSSFN/CNGO dating back to XX/XX/XXXX and I have not received any useful replies to validate that AXCSSFN/CNGO are holders in due course. During the validation process the debts were transferred several times making it extremely difficult to locate whomever is reporting the debts to the credit bureaus. As carefully listed above. Their accounts were updated on XX/XX/XXXX AXCSSFN/CNGO flagged my credit files with inaccurate/unverified information ; the open date changed. ( See attachments ) Please be advised that AXCSSFN/CNGO are not Holders in Due Course ; no services or goods were received from AXCSSFN/CNGO XXXX and I have not agreed to pay/tender anything to AXCSSFN/CNGO. AXCSSFN/CNGO have not provided any documents or itemized statements VIA MAIL proving I owe any debts to them. 

Proper documentation from AXCSSFN/CNGO was not provided to me to allow AXCSSFN/CNGO to verify the accuracy of the data placed with the credit bureaus as charge-off. ( See attachments ) AXCSSFN/CNGO is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 

I have not provided signed wet-ink releases of my private information to AXCSSFN/CNGO. 
AXCSSFN/CNGO does not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. I will reply VIA MAIL and only via mail. AXCSSFN/CNGO reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I have sent them ( AmeriHome ) my letter from the county with my exemption for taxes. They are not responding to my tax exemption. Instead they are withholding taxes and not obeying the regulation concerning vets. I have called them and was told they will eventually get to it. I do not want to pay unnecessary taxes and have to file to get them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2022-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from convergent XXXX XXXX, stating that I owed XXXX dollars for a XXXX XXXX account that I had not created. It was deduced that my social security number was stolen and used to create this account in my name. I disputed this with the collection agency, filed a police report, disputed the claim to credit agencies XXXX, XXXX, and XXXX, and froze the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: GA

Complaint narrative:
I previously disputed some items on my credit file, that were unrecognizable/invalidated and Transunion claims that they verified the items, Transunion is the only credit reporting agency that continues to allow wrongfully items on my credit report, I have yet to receive any documentation proving that these accounts indeed belong to me, by the original creditors or Transunion, yet somehow they claim to have verfied the items. I have done my own research and have documentation.

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 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
REGIONAL ACCEPTANCE-ACCOUNT # XXXX WHY is account reporting different dates of last activity, different dates that the account was opened and different dates of last activity as well as a past due of amount of {$4300.00} all are being reported inaccurately by the provisions of the Fair Credit Report the standards of reporting compliance implemented with the XXXX  enacted XXXX XXXX XXXX XXXX XXXX, I have a right to a fair and accurate credit report, and you are to remove any information that is not true, accurate and compliant. Under the law FCRA USC 15 1681 EACH ALL UNPROVEN, INCOMPLETE, UNTRUE, INACCURATE INFORMATION MUST BE PERMANENTLY DELETED.

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 2022-11-05 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: IL

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, 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 of convictions of crimes which antedatesthe report by more then 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

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 2022-11-05 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: IL

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, 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 of convictions of crimes which antedatesthe report by more then 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

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 2022-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have a VA loan with Wells Fargo, XXXX # XXXX. Our loan payment increased from {$380.00} to {$470.00} from XXXX to XXXX. This occurred because of increases to our escrow account. This I believe was due to XXXX XXXX XXXX company annually increased the cost of the our Home Owner 's policy. By XXXX it rose to nearly {$2000.00} per year. 

Our home is a single story brick home with XXXX bedrooms and XXXX bathrooms We purchased the home for {$54000.00} in XXXX and moved in in XXXX of XXXX. 

In XXXX of this year I wrote a letter to the Monitoring Unit at the XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX regarding the above noted issues. I have not been contacted by the XXXX. 
We would like to return to the payment of {$380.00} per month. Also we would request that the amount of difference in the two amounts be retuned to us for the years of XXXX and XXXX. 
Thank you for your help. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX Phone : 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 2022-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2022 {$12000.00} I Called my Bank of America on XX/XX/2022 to tell them that {$12000.00} was stolen from my account using XXXX. Today XXXX they sent me a letter saying my claim can not be honored, because it showed that the amount was transferred from a device that is consistent with previous valid account and that transaction was validated using an authentication code sent to a valid phone number. I have no clue how this happened. I believe my computer was hacked and that the person logged into our bank account put his name on the XXXX  list and transferred himself the money. I got the email as soon as the transfer happened and I contacted my bank to put a stop to it ; however I was told that it can not be reversed.

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 2022-11-05 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In accordance with the fair reporting act this creditor has violated my rights. Under 15USC1681 sec 602 states I have a right to privacy. 15USC1681 sec 604A sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HANCOCK WHITNEY BANK
State: MS

Complaint narrative:
While this incident has happen several times I just started to keep track of this. In several occasions Ive made transfers to my checking count from another in house checking account to cover an overdraft and the following day I am still charged a fee. On XX/XX/2022 I made a transfer of {$15.00} at XXXX to cover an overdraft. Ive been told on several occasions that the cut off time is XXXX cst. I still received a fee the following day. This fee was refunded but it was only because of a manager. After that this happened several more times. Just recently there was some fraudulent transactions on my account and after I was refunded the funds back on XX/XX/2022 I was charged a {$36.00} fee for sustaining a negative balance even though it was negative due to fraud. On XX/XX/2022 I made a deposit of {$650.00} which made my balance XXXX. XX/XX/2022 There was a transaction for {$100.00} to XXXX XXXX, {$210.00} to XXXX, and XXXX XXXX for XXXX and it left me with a balance of {$68.00} per the mobile banking website which was incorrect. On XX/XX/2022 I woke up to a negative balance and 2 NSF fee when my posted balance says {$580.00}. The representative said there was a transaction for {$570.00} that tried to come through but that doesnt reflect on the mobile banking. When I asked her why cant I see the transactions she said I need to go into a branch and talk to a manager. When I explained even if the {$570.00} was coming out the balance is {$580.00} that doesnt explain the fees. She had no response. Whitney Hancock has done this on so many occasions XXXX cant even count. Monday morning I am going to close my accounts and go to another bank that isnt predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
In accordance with the fair reporting act this creditor has violated my rights. Under 15USC1681 sec 602 states I have a right to privacy. 15USC1681 sec 604A sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: VA

Complaint narrative:
Loan Provider : Mohela Date : XX/XX/2022 ( refund request made via phone call ) Amount : {$12000.00} ( refund ) I called Mohela Loan Servicer to request a refund for payments made during the pandemic. Total refund as determined by the representative is {$12000.00}. Since this call there have been no updates, no confirmations numbers given, no email updates. As a loan borrower I'm left in the dark and relying on all steps to be taken behind the scenes. This is how refunds and other borrowers ( such as myself ) slip through the cracks. While I'm sure the refund will show up eventually, there's no guarantee besides a potential timeline that keeps getting extended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OR

Complaint narrative:
I recently acquired a debt for XXXX wireless that I do not owe for {$740.00} to a company called " Jefferson Capital Systems ''. I believe this is a fraudulent report and it dropped my credit score XXXX points. Please help me get this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
In accordance with the fair reporting act this creditor has violated my rights. Under 15USC1681 sec 602 states I have a right to privacy. 15USC1681 sec 604A sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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 do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment?

there is no full account number, how is this listed with no account number?

whe was last activity of the acount?

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit Equifax XXXX XXXX Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Assistance Date Assigned XXXX XXXX, 2022 XXXX XXXX, 2022 XXXX XXXX, 2022 Original Balance {$360.00} {$360.00} {$360.00} Current Balance {$360.00} {$360.00} {$360.00} Responsibility Individual Individual Individual Status Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: FL

Complaint narrative:
I disputed remarks stating payment was late for XX/XX/XXXX and it now shows late as of XX/XX/XXXX which is still incorrect. I HAVE NEVER HAD A LATE PAYMENT ON THIS ACCOUNT. Since XX/XX/XXXX ALL payments have been made on time please update all months to current, on time, never late. Greatly appreciated

Company response to consumer: Closed with explanation