vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
problem started with this bank in XXXX of XXXX  when i deposited a check that i was under the impression was a good check, well the check wasnt any good and bounced back and the bank decided to close the account at this point they were trying to take too long closing the account and sending me a check for the balance that was in my account at clouser so i had to have my attorney send them a stern letter demanding the process be sped up as i neeeded the funds to pay for my mortgage, and medical bills that are past due at this point. after they receive the letter the cashiers check was aqt my home no llonger then 3 days. and thats where the real problem has started with this horrible bank. since receiving the check for the amount of {$5500.00} which was the balance in my account at clouser there has been issue after issue with trying to have it cashed, first off im in a nursing home being treated for XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  so to make thimgs simpler for me and my familty i have given ny son power of attorney over me the documment has been properly executed and notarized along with two witnesses signatures but the bank is refusing to accept it. my son has been to multiple branches and recently had to pull me out of my nursing home where im receiving treatment to drag me to a branch to have this issue resolved to no avail his most recent visit to a branch eneded with them callling the cops on him for no reason which was just another form of XXXX XXXX  to say the least they are refusing to accept a valid POA document and demanding that i risk my health to come to a branch when i should not have to do so i am a XXXX XXXX XXXX man already not in the best condition but they want me to risk my health to step into a branch when my identity has been confirmed multiple time with them through a notarized id verification for and state id submitted to them at their request something needs to be done as im about to lose everythinmg possibly even my life as they are about to stop my treatment because i havent made any payments since XXXX becase this bank is bliocking my son and myself from cashing a check that is rightfully mine and every hoop my son jumps through they come up with something else and it's jepordizing my healt, life, and eerything else i have worked for in my life.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is an account showing wrong late payments in my credit report .... when is not ... ... .I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is an account showing wrong late payments in my credit report .... when is not ... ... .I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

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 2024-02-06 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I have looked on my consumer report and notice some hard inquiries that dont have permissible purpose & according to the Fair Reporting Act anything furnished on my consumer report must have permissible purpose according to the law 15 USC 1681 B. 

XXXX XXXXDelete because no permissible purpose according to Fair Reporting Act 15 USC 1681 B XXXXDelete because no permissible purpose according to Fair Reporting Act 15 USC 1681 B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
The property that the mortgage is on is a rental property. The address is on XXXX XXXX XXXX AZ XXXX. The loan amount of {$260000.00} originated in XX/XX/XXXX when we purchased the property. We set the mortgage on auto pay with XXXX. We made all scheduled payments on time. 
We where looking to acquire a loan for another property we wanted to purchase in XXXX. We went to our mortgage broker to get pre-approved. The broker did a soft pull on our credit and told us on XX/XX/XXXX according to the credit report that Rocket Mortgage had us reported late on XXXX payments. Knowing we have never applied for a loan with Rocket Mortgage, I instantly thought fraud and called Rocket Mortgage to report it. When I contacted Rocket Mortgage they explained to me that they had purchased our loan in XXXX. They claim to have sent us notice of this in the mail and sent it to the address of the rental. I explained to them that we do not reside there and never received the notice. Knowing that it was no longer a case of fraud, I provided a debt card number to bring all current payments up to date on that date of XX/XX/XXXX. 
I have spoken with several people with Rocket Mortgage about having the reporting of the late payments removed do to a miscommunication and they will not remove them saying the report is accurate. This request was escalated and still they would not remove it. 
Before this incident our credit is perfect. No incidents at all. We make every payment on time. 
Do to this miscommunication, we request that all XXXX late payments be removed from our credit. Had we been notified properly, this would not have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are items on my credit report that are a result of identity theft. See 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 2024-02-06 00:00:00
Product: Credit reporting 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:
the company refuse to block these fradulant accounts from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I am writing to request the XXXX form for a banco popular of XXXX XXXX master card credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: MA

Complaint narrative:
To Ed Financial Services XXXX XXXX XXXX XXXX, TN XXXX Re : XXXX This letter is in response of your documents sent to me on XX/XX/XXXX. As I stated before in my previous communications with you. I CHALLENGE THE ACCURACY, COMPLIANCE AND REPORTABILITY OF YOUR LISTING. THIS IS A FORMAL NOTICE THAT YOUR CLAIM IS BEING DISPUTED. 
Please you need to validate this information with the schools and provide me copies of any documentation associated with this listing with my signature. YOUR DATA IS INCORRECT. 

You had 15 dates/items listed under Ed financial which you sent to XXXX credit bureau under my name. I forwarded this information to Consumer Financial Protection Bureau. Please contact schools you name in your listing and send me the correct information XX/XX/XXXX and XXXX XXXX which you claimed XXXX Please need valid information from XXXX because this listing is wrong. LISTING IS WRONG AND INACCURATE. PLEASE VERIFY. 

On XX/XX/XXXX was withdrawn from the program within time frame due to family illness. Went back to the school in XX/XX/XXXX till XXXX. Please need accurate information from the XXXX XXXX XXXX with my signature showing days attended and withdrew. 
YOUR LISTING IS WRONG AND INACCURATE On XXXX XX/XX/XXXX was attended. By end of XXXX was withdrawn from the program the first semester. Did not attend XXXX. Please get validate information from the school with my signature on it. YOUR LISTING IS WRONG AND INACURRATE! 

Parent Plus Loan. This loan was paid by the student, multiple loans had been forgiven and Ed financial had not been updated nor changed the information in my credit. it was reported to credit bureau that I owed {$150000.00}. the amount was incorrect. Ed financial refused to change it. instead he sent a new report to credit showing I owed {$280000.00} in school 's debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I have no idea what this is I never made any payments from my personal account to Spring Oak Capital nor do I have an signed agreement with them! This needs to be immediately removed from my credit file because I can't get insurance because of their deceptive reporting on my credit file this is defermation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX / XXXX Unauthorized use of my credit. 
Violation of U.S.C. 1681b. 

Which, Prohibits a person from using or obtaining a consumer report, " unless ... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished by the consumer. 

My name is not and never was XXXX which is associated with this fraudulent account. 
I never lived at the address XXXX XXXX XXXX XXXX XXXX, VA which is associated with a fraudulent account. 
The anccount obtained and the information published on my report regarding this information is an act of Identity theft. 

This is a notice of Identity theft! 
Reporting information that involves identity theft is a violation of the FCRA. Knowingly reporting after notice is also a violation.

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 2024-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
my information and identity has been compromised when i apply for a consumer loan to purchase a vehicle this company violated my consumer rights with their deceptive contract posing as a car dealer/financial lender which offers credit under the fair credit laws but when this business finance this vehicle with the apr of 29.9 percent to 31.5 and payments of XXXX by weekly and charge my credit card XXXX of a down payment plus their dealer finance charges this was too much so this company has refused to let me know any information other then this promissory note and their exurbanite charges with them have other business such as charging me for car insurance when this is something the they have already had installed on this vehicle this company would not cooperate with lending practice XXXX when the borrower has a lost of job and cant pay and the arbitration and to stop payment request until all matters have been settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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.

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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I am contacting you regarding a series of inquiries on my account that I do not recognize. These unexpected inquiries have prompted concerns about unauthorized access and I require your immediate assistance to investigate and resolve this matter.

Specifically, the inquiries were recorded on the following dates and by the following companies : XXXX XXXX  on XX/XX/XXXX Navy FCU on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX I did not initiate any transactions, account applications, or credit checks that would justify these inquiries. Since noticing these on my account statements, I have reviewed all my recent financial activities and found no correlation with these inquiries. 

To address this issue, I have ensured all my security settings are up to date and monitored my account for any additional unusual activity. As of now, there has been no resolution or explanation provided, and I am concerned about the security of my financial information. 

Please note, I have omitted personal details from this communication for security reasons. However, I am prepared to supply any necessary information upon request, through a secure channel, to help identify my account and facilitate a swift resolution to this issue. 

I expect a prompt investigation into these inquiries, a detailed explanation regarding their origin, and the assurance of the safety of my financial information. Furthermore, I would like to know the measures that will be taken to prevent similar occurrences in the future. 

Your prompt attention to this matter is highly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to get XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX  XXXX XXXX  acct # XXXXXXXX XXXX XXXX  acct # XXXX late payment markings since each late payment marks are inaccurate each credit bureau based of months. on Transunion it's reported i was late XX/XX/XXXX, XXXX and XX/XX/XXXX however it is not accurate. 
XXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX bank acct # 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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like to get XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX  acct # XXXX late payment markings since each late payment marks are inaccurate each credit bureau based of months. on XXXX it's reported i was late XX/XX/XXXX, XXXX and XX/XX/XXXX however it is not accurate. 
XXXX XXXX  XXXX  acct # XXXX XXXXXXXX XXXX bank acct # 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 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: FL

Complaint narrative:
Client Services Incorporated XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX call my phone 2-3 times a day from different phone numbers. Never leave a message or any details to why they are calling. Ive attempted to block their number but they use different numbers continuously to avoid being blocked. This began XX/XX/XXXXXXXX  and its been non stop every day of the week since.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied for a credit card with Synchrony bank to finance a new HVAC system. Terms were 0 % interest for 18 months. I set it up on auto pay with my bank. 18 months later, I of course forgot about the 18 month period. They charged my {$2800.00} in interest. No warning, not email. Nothing. This is predatory lending. I can't believe there aren't any requirements to at least give fair warning to customers that the promotional period is expiring. I would have simply paid it off. I am so angry. Of course I have spoken with a rep and their supervisory to no avail. tis is how banks get a bad name. Please help!

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 monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are items on my credit report that are a result of identity theft. See Attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Still working on the issue is STILL A LIE THEY DO NOTHING BUT STALL AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX / XXXX Unauthorized use of my credit. 
Violation of U.S.C. 1681b. 

Which, Prohibits a person from using or obtaining a consumer report, " unless ... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished by the consumer. 

My name is not and never was XXXX which is associated with this fraudulent account. 
I never lived at the address XXXX XXXX XXXX XXXX XXXX, VA which is associated with a fraudulent account. 
The anccount obtained and the information published on my report regarding this information is an act of Identity theft. 

This is a notice of Identity theft! 
Reporting information that involves identity theft is a violation of the FCRA. Knowingly reporting after notice is also a violation.

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