vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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: Credit Karma, LLC
State: FL

Complaint narrative:
Re : Letter to Remove Inaccurate Credit. Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXXXXXX 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I need my XXXX for my student loan. I checked the Federal Student Aid site and it was not there. I emailed them and they said check with my servicer. My servicer said to check with FSA. I just need the XXXX and apparently neither one has it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 EQUIFAX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUINOX WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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 XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: NC

Complaint narrative:
I faxed a letter to Grant & Weber for debt validation, and not only did I NOT receive a response, but they also increased the balance by {$4.00} which could be an attempt to keep the account active on the credit bureau report ( s ).

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 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
We submitted several loan modifications to Shellpoint and have been denied because we " have equity in your home '' We do not have equity. The BPOs done on the property are XXXX` drive bys '' We invited our mortgage company inside to see that the entire top floor ceilings are covered with mold due to our neighbor 's tree falling on it. They did not respond. We were recently denied again on XX/XX/XXXX, Shellpoin claimed to have mailed the denial letter on XX/XX/XXXX. but we have yet to receive it in the mail. It was finally sent via email and we see that there are many errors of the XXXX inputs. There was no option on any of the pages stating that we could appeal the denial, which we did anyway & sent to them via fax and email on XX/XX/XXXX. We sent Shellpoint requests for information on XX/XX/XXXX, no response yet. My daughter and I have been in this home for almost 40years and have enough income between us to pay a modified mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: CA

Complaint narrative:
In accordance With Fair Credit Reporting Act. 15 USC 1681i ( A ) ( 1 ) ( A ), Can you Reinvestigate the completeness and accuracy of the list of Accounts Below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: CA

Complaint narrative:
In accordance With Fair Credit Reporting Act. 15 USC 1681i ( A ) ( 1 ) ( A ), Can you Reinvestigate the completeness and accuracy of the list of Accounts Below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: NJ

Complaint narrative:
XXXX bureau and XXXX is not reporting this debt of a balance {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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

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 2022-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc.
State: OK

Complaint narrative:
The company XXXX called me and informed me that I had to return the equipment that was installed on top of the house. I stated to them that the company came and installed it and I am XXXX and I will not be able to climb atop house. I did not put it up there and I do not believe I should be responsible for taking it down. No where in my agreement did it say that. They continued to tell me that I needed to contact someone to come and remove it or they could send someone out from a fee. I disagreed and I continue to stand firmly on the statement. Their company came and installed it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: NJ

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending
State: AL

Complaint narrative:
Supreme Lending is refusing early payment for my XX/XX/XXXX payment since my loan has been transferred. But I can not pay the new service company until XXXX the XXXX. I make early payments to help with the amortization of my loan. Refusing to allow me to submit an early payment guarantees the company will receive additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have had an issue with Comenity bank on 2 credit cards I have through them - 1 for Zales, and 1 for Torrid. since XXXX of 2022, no payment made for each month, made on time or before the due date has been reported to XXXX XXXX, XXXX or XXXX. in XXXX I made a XXXX payment to the Zales account, and a close to XXXX payment on Torrid, and paid both balances down to around 20 % of each. payments since then have also failed to be reported. 

I contacted Comenity directly several times, once i was transferred to a phone menu that only allowed me to request a credit report or to end the call - requesting an agent was responded with an unable to do so. I called back and was hung up on. a 3rd call, all the person said she could do was to send me a statement in the mail - when I mentioned that did not solve the issue with the info not being reported, she said she could not see my score - when I requested a supervisor, I was thanked for calling and disconnected. 

currently my wife and I are trying to get a mortgage for our 1st home, and all my my credit scores are severely impacted by Comenity 's lack of providing info to the 3 CB 's, and as such is jeopardizing our ability to purchase a house. they are unwilling to work with me or speak with me to work the details out, and I need help. 

the ironic slap in the face is, I got a letter in the mail from them stating that due to my credit score dropping, they were reducing the credit limit of the zales card to XXXX dollars- which is less than the current balance i paid it down to when the limit was XXXX originally. they have punished me for their own negligence and indifference, and is now going to hurt me again by dripping my credit limit and making it appear i am still over my limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I overpaid my Bank of America VISA credit card in XXXX of 2022. When I discovered this, I called customer services to request the overpayment ( just over {$3500.00} ) be reimbursed to me. I was told a check would be sent in 7-10 business days. 6 weeks later, after not receiving the reimbursement check in the mail, I contacted the Bank of American VISA credit card customer service again inquiring as to where the check was. The agent did not know. So I requested a stop payment on any check sent and requested a transfer of the funds to my Bank of America checking account. Weeks continued to go by and still the money was not transferred to my account. I had to contact customer service several times ( and escalate the request ) until I finally received the transfer nearly 2 months after the initial request. Because of the lack of responsiveness on the part of Bank of America, I was unable to pay my mortgage. As a result of my being delinquent with the payment ( because my money was tied up with Bank of America and not reimbursed to me ), I now have a negative mark against my credit for 7 years. 

This is totally unacceptable. I will be canceling my Bank of America credit card. I wanted to have this on record with your organization in the event someone else has the same issues. 

*All of this is documented with specific dates and times via Bank of America credit card customer service XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FlexShopper, Inc
State: MI

Complaint narrative:
Flexshopper has been calling me for over a year. I have already filed a XXXX  complaint and gave them the FTC identity theft documents and demanded they no longer contact me. 

they call me an upwards of 5-10 times a day with different caller id 's, I block the number and somehow they get through the block. 

their reply to the XXXX was " it was delivered so she's responsible '' I have NEVER ordered anything from this company, apparently they shipped out some exercise stuff without signature or id verification and some how that's my fault? 

I don't know who they are, or what they are. 

it has gotten to the point where I just make animal sounds into the phone when they call, as they obviously have no idea what DO NOT CALL means and ITS NOT MY ACCOUNT. 

my next step after the CFPB is to sue, for XXXX per FDCPA violation, and since i have LOGGED 500+ calls from them. 

I've added phone logs, because they told the XXXX  they only call once a day and don't use other caller ids to get through.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NC

Complaint narrative:
LexisNexis, please tell us why this was returned and our request was not processed. 
As a couple, we do most business transactions together. Our names are listed on the proof of address, with individual IDs showing our current address. 
If this is not completed as requested, I will file an FTC and/or CFPB complaint. Why is it necessary for us to use two stamps and two envelopes? 
If there are any questions, you have our individual phone numbers to call rather than DELAY our rightful consumer requests!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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:
I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 XXXX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX  WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS ACCOUNTS XXXXXXXX XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I waited 60 days to get a response from this company to only get back a response that clearly proves they did not do a reinvestigation at all. I asked them to delete two accounts nothing more after 60 days they responded back they did a reinvestigation on all 7 accounts. Where did the other five accounts come from or better yet who are they responding too? Their time is up now and I demand that the two accounts I asked them to remove be 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 2022-10-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX : # XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: EdFinancial Services
State: AK

Complaint narrative:
I have applied for a refund of {$10000.00} from EdFinancial on XX/XX/22 and they have not processed the refund yet. They wont give me any dates on when it will be completed either. I just want my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: LA

Complaint narrative:
I used the 'Mail a Check ' feature offered by XXXXXXXX XXXX XXXX Chime ) on XX/XX/2022. Chime 's policy states that it takes 3-9 days for the check to arrive. I received a notification from Chime, on Saturday, XX/XX/2022 at XXXX XXXX XXXX notifying me that the check 's estimated arrival to my landlord would be Tuesday, XX/XX/2022. Today is Thursday, XX/XX/2022 and my landlord has yet to receive the check. I placed 2 calls to Chime 's customer support and was kept on hold for over 40 minutes. On the 3rd call, the agent let me know that the check was currently being processed and would arrive to my landlord in 3-9 days, however that is the complete opposite of what CHIME states in their policy and in the notification I received. I have also filed a complaint with the XXXX

Company response to consumer: Closed with explanation