vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: KY

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern, more than a week ago, the fraud department closed my bank account for complaining about the mistreatment and abuse towards me on several occasions, they did not let me make bank transfers and they did not pay the checks that I had signed since before they closed my bank account in an abusive way, just as they closed my account, I have called them many times and they have not given me a solution, regardless of the situation I was going through with my husband who recently passed away and even then they did not return my money based on excuses that my business XXXX  had paid me to my account and that was not allowed, and that they would return all the money that XXXX had paid me to date for the last few months, taking advantage of the fact that they have my money in the account since if they did not have that money they would not commit this abuse that has made me lose XXXX of dollars for which I want to file a lawsuit, and contact the right people to sue this area, I went to the bank and found myself They said they would call me the next day and to this day I have no answers, I asked them to return all my earnings to the XXXX company if they wanted to ask them to return that money, but they haven't even done that to this day, I await their answers thank 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 2023-03-23 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: AR

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with an account listed as XXXX XXXX and validation was requested in the form of an dispute on XX/XX/2023 as this was an account that I did not recognize. I received a dispute result from Experian today, ( XX/XX/2023 ) saying the account was verified, I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XX/XX/2023 ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2023-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received an account history mailed from Bank of America on XX/XX/XXXX, showing my original loan amount as {$48000.00} and the Maturity Date as XX/XX/XXXX. As of XX/XX/XXXX, Bank of America has received {$42000.00} in interest. The total interest Bank of America was to receive was only {$37000.00}. When I called Bank of America in XX/XX/XXXX, I was told I owed an extra {$4900.00} in interest because of a balloon payment for the 4 loan extensions totaling 5 months. I asked Bank of America if I could make payments to this alleged balloon payment, but Bank of America said I had to pay it in whole or I would be in default. I have no knowledge of a balloon payment, and it was never talked about or in the agreed contract I signed that I am aware of. Bank of America applied 9 months of payments strictly to interest when our agreement only allows them to do this if I was late or missed a payment, which was never before XX/XX/XXXX, according to my credit report. I contacted Bank of America on XX/XX/XXXX, to try to resolve this issue. I was transferred to management, where I was hung up on while trying to explain the evidence in front of me at the time and have Bank of America show me where in our contract it stated that I would have to owe a balloon payment. Since I was hung up on, I referred to writing Bank of America by sending them a letter on XX/XX/XXXX, in which they responded that my letter was without merit. On XX/XX/XXXX, I sent Bank of America another letter specific to our loan agreement that shows that I should not owe anything on the loan and that our contract was fulfilled in XX/XX/XXXX, to which Bank of America never replied. Bank of America wrote a letter dated XX/XX/XXXX, stating that I was in default and that Bank of America would repossess the collateral if I did not pay {$4600.00} by XX/XX/XXXX. Bank of America is trying to collect more than they were owed without sending any justification and breaching our agreed-upon contract. I was unfairly tricked into a loan extension by misrepresentation from Bank of America.

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 2023-03-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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:
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. 

Account 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: WV

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In complaint XXXX, XXXX XXXX XXXX not state that Shellpoint did not receive money from the XXXX XXXX. She merely restates that I asked about it. Additionally, XXXX XXXX does not provide the work out agreement with XXXX XXXX. 

XXXX XXXX states that I signed a modification for {$78000.00}. XXXX XXXX leaves out that I was coerced into signing the document because Shellpoint threatened to take back the mortgage if I did not. However, I raised these questions with XXXX XXXX and XXXX XXXX at the time. XXXX XXXX also said that if I did not sign the document that Shellpoint could take it back. Additionally, Shellpoint had to reduce the incorrect XXXX because they had overcharged taken my escrow money and not applied it to reduce the principal. Thus, Shellpoint can reduce this amount. The modification can be corrected for errors. 

XXXX XXXX states they have gotten similar requests in hopes that CFPB will close the case. However, XXXX XXXX has not address providing the workout. Shellpoint claims that I did not qualify but again do not provide anything other than there altered records over estimating the amount of payments that I missed. 

XXXX XXXX keeps stating the 1098 was correct because they used XXXX. She does not state what the mortage amount due was in XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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 have been unsuccessful disputing this information with the company directly so I am seeking your assistance in this matter. 
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 XXXXXXXX DUPLICATE The above accounts have violated my rights according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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 have been unsuccessful disputing this information with the company directly so I am seeking your assistance in this matter. 
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 XXXXXXXX DUPLICATE The above accounts have violated my rights according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. This needs to be removed 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 2023-03-23 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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 2023-03-23 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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 2023-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KY

Complaint narrative:
I enrolled in XXXX XXXX on XX/XX/XXXX. I attended the school for 2 quarters ( XXXX ) and withdrew from the school on XX/XX/XXXX. I received a letter from the office of Attorney General on XX/XX/XXXX stating that my restitution claim against XXXX was approved and that XXXX had agreed to waive collection of {$11.00} XXXX in private debt that was owed by students whose last day of attendance was between XX/XX/XXXX and XX/XX/XXXX. My last date of attendance recorded is XX/XX/XXXX. The letter states that no action is required by students to obtain this debt relief. I called AES to explain that I am no longer obligated to make monthly payments in XXXX XXXX. I gave detailed events of my withdraw date and how I felt I was not responsible for the loan since collection were waived. I was told that Im not on a list and I would have to continue making my payments. I requested a supervisor and she told me to upload this letter to my AES account for review and someone will get back with me. I detailed the events and explained how I did not receive the full loan amount and how I am not responsible for the debt since it was waived. It was again determined that I was responsible for the debt but without a reason as to why. I do not see evidence that a thorough investigation was performed to verify my liability to the full debt owed. I made several calls to AES to request my promissory note and disclosures, which I received. Upon viewing the documents for myself, there are many red flags that prove as evidence that my loan has fraudulent activity on it. The last call I made to AES was on XXXX XXXX, XXXX and after explaining my case to someone else, the only solution I was given was to write the loan services and request the loan be discharged after explaining the story and providing evidence. Since I was not provided any contact info other than a name, I searched for the loan servicers contact information online and found nothing. It seems that despite my efforts to resolve this issue with AES, Im being taken on a wild goose chase to clear this debt while interest charges, fees and increasing debt continue to stack against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: CL Holdings LLC
State: IL

Complaint narrative:
Last 4 of XXXX RE : XXXX XXXX Dear TO WHOM IT MAY CONCERN XXXX XXXX XXXX : XXXX am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOF OF CHARGE OFF/ The following account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 



I am demanding a deletion of the following account. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Advance America, Cash Advance Centers, Inc.
State: AZ

Complaint narrative:
I had a line of credit with them that was setup for autopayments. For some reason they claim that they were unable to collect payment for several pay cycles even though they had the correct banking info. I learned about this after they drafted {$300.00}. So they were able to take {$300.00} out after they closed the account for non-payment but could take the regular payments. They call me between XXXX XXXX almost every day. I have told them they are calling me outside the allowed time and that it is XXXX. They called this XXXX at XXXX my time. I have on 3 previous occasions I live in XXXX  and the time they are calling. On XX/XX/XXXX they call at XXXX and XXXX XXXX. XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation