vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 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: NY

Complaint narrative:
Dear CFPB, I am filing a complaint against XXXX regarding my account number : XXXX. The issue at hand is the inaccurate reporting of two late payments on my credit report.

I have noticed that Experian is reporting XXXX XXXX as 30 days late, while XXXX is reporting XXXX XXXX as late. This is a clear case of inaccurate reporting, and I am requesting that this error be corrected immediately. 

Under 15 U.S. Code 1666b, I have the right to dispute inaccurate information on my credit report. Additionally, 15 U.S. Code 6801 ( b ) 3 requires that credit reporting agencies ensure that the information they report is accurate and up-to-date. Lastly, 15 U.S. Code 1681b outlines the permissible purposes for obtaining and using consumer credit reports. 

I believe that XXXX has violated these consumer protection laws by reporting inaccurate information about my payment history. As a result, my credit score has been negatively impacted, and I may face additional financial consequences. 

I am requesting that XXXX correct their reporting errors and update my credit report to reflect the accurate payment history on my account. I would also like to request any documentation they used to determine that I was late on my payments. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I received an email from Bank of America saying " Welcome to Online Banking. '' I do not have an account with BoA and never signed up for one. I called BoA 's fraud department that day and learned that an application was in process in my name using an old address from 10 years ago. I was transferred to the Application Department, which said they didn't see an account using my name or social security number ( conflicting with the fraud department ). They then transferred me to the credit application department, which also said they did not see any applications in process. 

On XX/XX/XXXX I received emails saying that my application was approved and an account was now open. The account type is the " Bank of America Advantage SafeBalance Banking. '' I called the fraud line again and they said they closed the account ( though I have not received confirmation yet that it is in fact closed ). I also received an email on XX/XX/XXXX stating another application was in process. The fraud department again said I need to speak to the Applications Department, which is closed today, in order to cancel the application. 

BoA allowed a checking account to be open using an old address. My identity was not verified using a physical form of ID to open the account, nor was my current address used. They were not effective at cancelling the application when I called the first time, causing the account to be opened. Now another application is in process, yet the department I need to call is closed today. These are unsafe business practices and I believe the bank needs to raise the bar to open an account. I have seen several other descriptions on forums of this same thing happening to others where the same account type " Advantage SafeBalance '' was fraudulently opened using an old mailing address.

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 2023-04-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
The person in the store where I bought items, used my personal information to open the credit card. I have never received that credit card neither use it. The Comenity bank where the account was opened start calling me. I told them it is not me who use that card. I did not want it would affect my credit score and I paid the balance. They said it is XXXX now and ai asked to close my account. Later on I saw that account is still opened and it is balance again. I called the bank again and they said it was late fee and the interest I did not pay. I paid it again and asked them again to close the account but it is still on my credit score report. I called them again but they do not do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 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: SC

Complaint narrative:
In accordance The FCRA my rights are being violated. According to 15 U.S. Code 6801-Protection of nonpublic personal information.

15 U.S. Code 6802 -Obligations with respect to disclosures of personal information. 
Once again my rights are being violated and illegal practices is taking place. 
I have not given Any company written or verbal consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
From XXXX to XXXX I held a mortgage with Wells Fargo for a property in XXXX XXXX, New Jersey at an interest rate of 6.75 % I tried to refinance multiple times to a lower rate. Mortgage rates were substantially lower and I never missed a payment despite several adverse circumstances during this time period. Wells Fargo led me to believe that my application was in underwriting. 

However after waiting & waiting for a modification they ALWAYS came back requesting more information. I went through the process at least 5 times. I have everything documented. 

They claimed that the modification application expired 90 days after the original date of application and I would need to start over from the beginning each time. New bank statements, new tax forms, new everything. 

I wrote a letter to the New Jersey Department of Banking and Insurance Consumer Inquiry and Resource Sponsor, XXXX XXXX to report this ordeal XX/XX/XXXX but did not get any response or assistance. The loan number is XXXX. They also erroneously charged me for insurance ignoring the coverage that I already had. 

Please help. It was complete fraud what happened to me. The difference in interest rates caused me substantial financial damage that could have been avoided with a little help from Wells Fargo by reducing my interest rate to a fair, market rates which were no more than 3 % at that time.

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 2023-04-02 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: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have been on an amortization schedule with this lender that was pre-set when the loan began and saw no changes for over a decade. The loan was scheduled to be paid off by XXXX. I have been overpaying by at least {$80.00} every month for the last 2 years to finish paying off the loan faster. In XX/XX/XXXX, I noticed my monthly payment had drastically increased, although the amortization schedule didn't list an increase until XXXX of XXXX. What's more, the increase was much more than specified in the amortization schedule. I had a couple of late payments, so I thought perhaps my overpayment hadn't been applied to the late fee, and it was rolling over. 

After reaching out to the servicer for clarification, however, I was told this was not the case and that my servicer had readjusted my payment schedule " to ensure I paid the loan off on time ''. I have been overpaying > {$80.00} to this servicer every month since at least XX/XX/XXXX and was poised to finish repaying the loan earlier than anticipated, so this reply doesn't make any sense. 

Furthermore, the new monthly payment is almost double the usual amount, and at least {$100.00} more than the expected amortization increase for XXXX. I checked my amortization schedule when I first noticed the monthly increase and it showed the schedule set at the start of the loan. I checked it again after receiving the reply from the servicer and saw that it had been changed to something very different and only shows the next few years at this new payment schedule, and not the entire schedule ( from the start of the loan ), like it used to. 

I believe this company is trying to make up for losses in interest payments, that may be arising from the potential upcoming student loan forgiveness legislation, by drastically increasing monthly payments. There is no reason for this sudden increase and change to my account. It is also very strange that they would hide all of the previous amortization information. Please look into this. The servicer is Navient. I have 2 FFELP loans through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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:
I reviewed my consumer reports and noticed that I had 5 late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility with maximum accuracy. I have never been late on payments for the account : XXXX XXXX XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks 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 2023-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/23 I filed complaint # XXXX. The basis of the complaint was an attempt to simply speak to someone in Citizens loss mitigation department so that I could offer a solution which would both provide Citizens with a path to being repaid XXXX cents on the dollar and to provide me with an amount of time to repay the loan. I was even offering to make payments for the duration of the workout period and offered to back my proposal with a " deed in lieu of foreclosure ''. The day after I filed my complaint I received a call from a XXXX ( not from loss mitigation ) but from the Office of the Chairman. He promised to forward my complaint to loss mitigation. Approximately 3 weeks passed. XXXX called again to apologize that it took so long to get back to me but stated that because I did not show/have " enough income, there was nothing they could do for me ''. What was outrageous about that statement was that XXXX and whomever else might have been looking at my file did not have any updated information. No one ever asked me to give them any additional information or even cared how I would live up to the agreement I was proposing. The information that XXXX and anyone else was looking at must have been 6 months old and therefor stale. I think Citizens is more motivated to do nothing to help me because they have already determined that the outstanding debt on my home is only approximately 1/3 that of the market value. At the end of the day I would just like to speak to someone who is reasonable and in a position to deal with me on a fair basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I went to the liquidator I bought the equipment last XX/XX/XXXX after an emergency I changed my mind because my wife gave birth and I didn't want the items anymore I call the store and my bank to cancel this transaction after that my bank gave back the money in my account {$980.00} XXXX months later my bank sent me a letter stating that there were no error found in this transaction they will deduct this amount and sent me to the liquidator whom asked me to come to purchase any item for this amount {$980.00}. 
I didn't understand how well Fargo managed this claim like that. I never picked up the equipment and today the liquidator hasn't this equipment on the bill anymore and force me to purchase when I already moved to another state... the equipment were ( XXXX chairs with a table in glass and a speaker ) they don't have it anymore why well Fargo sent they my money?

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 2023-04-02 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: FL

Complaint narrative:
XXXX information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 3015 U.S. Code 1692e - False or misleading representations ) days of the completion of your re-investigation.

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 3015 U.S. Code 1692e - False or misleading representations ) days of the completion of your re-investigation.

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and 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 2023-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My federal student loan servicer XXXX sent me a notice dated XX/XX/ that states the following student loans were forgiven based on review of TEPSLF application. I have attached copy of notice that details that I satisfied loan obligations for loan sequence XXXX and XXXX Under loan program DLUCNS for amounts {$93000.00} and {$15000.00}. Please reflect the student loan discharge on my credit file from all three bureaus.

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 2023-04-02 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: MA

Complaint narrative:
My federal student loan servicer XXXX sent me a notice dated XX/XX/XXXX XXXX  that states the following student loans were forgiven based on review of TEPSLF application. I have attached copy of notice that details that I satisfied loan obligations for loan sequence XXXX and XXXX Under loan program DLUCNS for amounts {$93000.00} and {$15000.00}. Please reflect the student loan discharge on my credit file from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My federal student loan servicer XXXX sent me a notice dated XX/XX/ XXXX XXXX  that states the following student loans were forgiven based on review of TEPSLF application. I have attached copy of notice that details that I satisfied loan obligations for loan sequence XXXX and XXXX Under loan program DLUCNS for amounts {$93000.00} and {$15000.00}. Please reflect the student loan discharge on my credit file from all three bureaus.

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 2023-04-02 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: AZ

Complaint narrative:
NOTICE OF FAULT EQUIFAX equafax continues to report erroneous information on a commercial mortgage loan. Equafax is not in uniformity with the other two credit agencies, XXXX XXXX XXXX. Equafax may stand in possible liability and a repairable damage due to the erroneous consumer reporting in the event that this company continues to report erroneous information, I will be requesting certified copies of any, and all information that they are making false claims about.

Company response to consumer: Closed with explanation