vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: AR

Complaint narrative:
Us Bank is closing a credit card account ending in XXXX that was a secured card opened in XX/XX/XXXX, the employee pressured me to sign up for a XXXX XXXX  secured card to reach sales goals with no intention of extending credit after the 12 month maturity date of XX/XX/XXXX instead a notice was sent ( see attachment ) on XXXX a account review letter stating for no reason they were closing the account at their election, this card has been paid on time for 10 consecutive months with excellent utilization activity according to all 3 major credit reporting agencies, i did not want this account but i was sold a product that did not meet my needs for sales goals set by this bank of products that never benefitted the customer, i was sold the fact that an extention of credit would be issued for 12 on time payments i have 10 and now they cut my line of credit when the sales quota was met, i have been violated by this bank and want justice for this institution exploiting my credit and using pressure tactics to promote company products and using them to redline customers of credit opportunities with fraudulent account closures

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 2023-07-10 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: LEXISNEXIS
State: FL

Complaint narrative:
Lexis Nexis responded to a complaint on XX/XX/23 stating that they we're unable to verify my identity and that they would send me a letter via US mail. As XX/XX/23, Lexis Nexis has not made any contact with me via email nor US mail. Lexis Nexis did not address my complaint in which they are reporting an unverified, incomplete and inaccurate bankruptcy record to XXXX. In an attached letter from Lexis Nexis after it completed an investigation, Lexis Nexis stated that the record is reporting accurately according to its source " Lexis Nexis ''. Lexs Nexis is required by the FCRA to validate/verify with the " reporting source '', in this case the " US Bankruptcy Court '' . Lexis Nexis can not solely reply on itself as a validating source as it is not the " original source ''. Lexis Nexis can not solely rely on information it may have obtained from public record databases, such as pacer, especially if the consumer has notified them of a dispute. According to the consumer report sent to me by Lexis Nexis, the bankruptcy section " Does not include or report any bankruptcy record ''. I am requesting the method in which Lexis Nexis used to verify this information and an explanation for the conflicting reporting. To be more specific I am requesting the Name, Address and Phone Number ( If applicable ) of the source it contacted to validate the accuracy and completeness of this record. The FCRA prohibits data furnishers from reporting unverified/incomplete or inaccurate information to credit bureaus. I am demanding that Lexis Nexis removes this record from their data base to include any internal reports not disclosed to the consumer such as its " Suppression Report ''. Lexis Nexis has not been given written permission to report or share any non-public information with XXXX or any other source. Non-Public information includes Name, SSN, DOB. I have attached a copy of my ID/ Bill to validate my Identity. I am not required to provide my social security card and that my DOB and last four of social is sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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 — Was not notified of investigation status or results
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
My XXXX  XXXX bankruptcy was XXXX in 2014. Rushmore Loan Services never reported my payments to the credits bureaus and now y mortgage is with XXXX XXXX and they are not reporting my payments. My mortgage was not included in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
this credit has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 602 a section 2 a consumer reporting agency can not furnish an accurate without my written instructions.

Under 15 USCS 1666b a creditor may not treat a credit card account open end consumer credit plan as late for any purpose

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 2023-07-10 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: PACIFIC PREMIER BANCORP, INC.
State: GA

Complaint narrative:
this credit has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 602 a section 2 a consumer reporting agency can not furnish an accurate without my written instructions.

Under 15 USCS 1666b a creditor may not treat a credit card account open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023. Someone hacked my XXXX account which in turned hacked my XXXX account and made 20 unauthorized charges through XXXX which was connected to my debit card. I immediately upon noticing it called my bank and reported the unauthorized charges. I then started receiving emails from XXXX and XXXX about suspicious activity. Then I received notice from Chase Bank that I authorized the charges through a text message that I never received. I went to a Chase branch and submitted documentation showing suspicious activity in my accounts and Chase is still refusing to give me back my {$3200.00} that was fraudulently took from my account. I have contacted them multiple times and they will no longer help me since they have denied my fraud claim. Pleae let me know how you can help me recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not pay my student loans due to the student loan payment Freeze. XXXX explained my particular federal student loan did not qualify for the payment freeze. They reported me to the credit bureaus. My Credit score went from a XXXX to a XXXX. This type of decrease is unusual for one late payment. I have one other late payment which was 4 years ago. It has been three months of on time payments and the two credit bureaus have reported my credit score at XXXX. Transunion reports my credit score at XXXX. this is a XXXX difference. I wrote the XXXX XXXX XXXX asking transunion for an explanation of the drastic difference. Transunion explained they use different algorithms and I should pay for a copy of my reports to compare. I explained to transunion, I already compared all three credit reports from each bureau and they are all the same. Transunion then said I had high credit card utilization. This is also untrue. All three bureaus show that I use 3 % of my available credit. I currently hold {$85000.00} in available credit and use about $ XXXX {$4000.00} each month.

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 2023-07-10 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: CA

Complaint narrative:
There has been two fraudulent credit card accounts reported all three credit bureaus for several years. This is done by XXXX XXXX XXXX. I have made several attempts over the years to rectify the situation. Every attempt has resulted in the information still reporting incorrectly. Ive asked XXXX XXXX XXXX to provide me with account signatures and details and I have felt to do so. They say that the account is legitimate as per my telephone number. Im a public figure and my number is used in share by many people. I have never looked at the address that they claim legitimizes the account. I am seeking help to finally rectify the situation as these is a fraudulent accounts. 

Again, I have asked XXXX XXXX XXXX  for proof of documentation and contracts and it never has been provided to me. 

These are the credit cards as per Experian : XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

Here is the fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca 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 2023-07-10 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: IL

Complaint narrative:
My Wise Account was closed without a notice and That is what I used for my Tax Refund to be deposited into. Please I need my Account Reactivated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/23 I checked my XXXX and XXXX XXXX accounts to find there had been 2 hard inquiries that I did not authorize or know anything about. I have tried to contact both companies but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: NY

Complaint narrative:
My payment history with XXXX XXXX XXXX Acc # XXXX ( Equifax ), Acc # XXXX ( XXXX ), Acc # XXXX ( XXXX ), shows as late payment for XX/XX/2023. This is incorrect. I called XXXX XXXX XXXX, and they informed me that they did not report a late payment nor was I ever charged a late payment fee. The credit agencies have not rectified this information and they have not provided me with the investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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 — Was not notified of investigation status or results
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My XXXX XXXX bankruptcy was discharged in 2014. XXXX XXXX XXXX never reported my payments to the credits bureaus and now y mortgage is with Mr. Cooper and they are not reporting my payments. My mortgage was not included in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TN

Complaint narrative:
For the past year I've tried to resolve an issue with Equifax not reporting my accounts on my credit file. I've tried to resolve the issue with Equifax and have been lied to by 2 Equifax agents who said the problem was resolved. My last complaint was in XX/XX/2023. Equifax said they couldn't find a file for me but the issue is Equifax isn't reporting my accounts. I have lenders such as XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, and XXXX  which have verified that they are reporting accounts to Equifax. I sent my state identification, social security card, and proof of address to Equifax on 3 different occasions and Equifax still has not created a file for me which should already exist. This is nothing but an unwillingness on Equifax part to not resolve an issue that shouldn't exist. the only thing Equifax does is continue to ask me for copies of my identification but there is not a representative from Equifax who takes one second to see what the problem is or how can it be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Forged financial documents when we applied to refinance our loan in 2008. We where unaware they did this until recently. Bank of America then tried to foreclose on our home based off of forged financial documents and forged signatures. We did not have the assets they claimed we had at the time of the refinancing and we were never given any of those documents. Bank of America then placed over XXXX in fees to our original mortgage of XXXX making our loan over XXXX off of a forged refinancing loan. We ask that Bank of America place our loan back to the original amount and take off all of the fees they placed after forging and lying on our refinancing loan. Ho is Bank of America allowed to get away with breaking the law and adjusting loans based of forgery and deceit? 

We want our loan to go back to the XXXX and all the fees placed to be taken off.

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 2023-07-10 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive sent my correct and current name address and employment. To the consumer reporting agencies. Ive provided proper copies of my drivers license. My social security card. And utilities bills. Last year. They still havent corrected my information. Which is violating my consumer law rights.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive sent my correct and current name address and employment. To the consumer reporting agencies. Ive provided proper copies of my drivers license. My social security card. And utilities bills. Last year. They still havent corrected my information. Which is violating my consumer law rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Unfortunately the complaint I made last year on XX/XX/XXXX is not able to have the same corrective effect for this year. HSA bank once again did not approve my XXXX claim on XXXX-the same product I claimed last year. The current denial letter from HSA bank indicates that I need to submit a prescription to deem it medical necessary, which is not true ( the same mistake they made as last year ). Based on the response letter from the company after I submitted a complaint to CFPB last year, the product XXXX was ( and still is, according to IRS guidelines ) eligible after the company finally did the investigation about the eligibility of fiber laxatives. I made XXXX customer services phone calls on XX/XX/XXXX, but no positive results, the representatives re-read the denial letter to me and told me I can not contact claim department or customer service specialist further ( again, the same experiences ) ; I contacted the numbers listed in the company 's response letter last year, but the phone number is not an active one. It is almost unbelievable that I have to go through this every time I need to reimburse the XXXX product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
I noticed a drop in my credit score on Experian. After investigation, I found that there was report of a credit card from XXXX XXXX XXXX for which I owed XXXX dollars. I have no knowledge of this credit card or the XXXX dollar purchase. 
I disputed this with Experian and they reported that the card and charge was verified. How could this be verified if I have never owned a XXXX XXXX XXXX credit card?

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 2023-07-10 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 reported my account late for XXXX and XXXX while the account was in a forbearing and mod. I sent them a copy oy my bank statement showing that the payments made and they still have not changed the reporting.

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