vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
In XXXX of XXXX I initiated a Fraud Alert with the 3 credit reporting agencies, due to concerns I had about suspicious activity. 
On XX/XX/XXXX I received a notification from XXXX XXXX XXXX that a hard inquiry had been made by USAA on my credit. I called USAA, provided my SS number, and after being transferred 3 times was told by someone there they would take care of it. 
On XX/XX/XXXX I received a notification from XXXX XXXX XXXX that I had a new account with USAA Bank. I called USAA bank, provided my SS number, and was told that this was a credit card. I was told that because of my previous call, the account was " restricted ''. I was told that I would need to call back during working hours to report that it was a fraudulent account. 
On XX/XX/XXXX I called the number for USAA fraud ( the number I had been specifically told to call ) and waited on hold for 55 minutes. I was then told that without a USAA account number, I would have to be transferred to a different number. The person who answered there said that I would have to be transferred to a different number, where I received a recording stating that the wait time would be 50 minutes. I hung up at this time, as I could no longer stay on hold. I will either try again or send them a letter. 
My complaint is that USAA opened a new credit card in my name despite the fact that I had a fraud alert on my account. They opened the account despite the fact that I had called and specifically told them that I had not initiated a request for a card. They then made it unreasonably difficult for me to speak with anyone to remedy the situation. They provide no option to address this online. They are basically complicit in the identity theft business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
We have a home loan with Caliber home loans. There are multiple issues that we have had with them. 
Since at least XXXX XXXX XXXX, we have been trying to fo through the process of refinancing our house. During covid ( XXXX ) we ended up having to go on a forbearance for just a couple months ( even made small payments ). We signed the paperwork and sent it back, was told everything was done and granted. Well, then in XXXX we wanted to refinance. Caliber kept telling us that our account hasn't been updated to reflect anything. We kept getting the same response every week ( " we are working on it and should be updated next week. " ). To this day, XXXX, XXXX, XXXX, our account is still messed up and not updated!!! The whole reason we are refinancing is because we can not afford our payments ( that got raised right after we signed papaerwork ) paperwork. Since they have stalled on everything, we lost the opportunity for a good rate, and now our refinance ( because we do not want to be associated with Caliber any longer due to no help at all from them ), we are in hold because they haven't updated our account with our forbearance. It has been a YEAR since that forbearance!!! Why is this not taken care of like we were told??? How are they able to get away with stuff like this??? No one wants to talk to us about anything. We get transferred, told the same things over and over, and NOTHING IS GETTING DONE. They are the worst mortgage company I have ever dealt with. And I worked with a foreclosure company! What can we do to get the to stop screwing us?!?! Like I said... we have been dealing with this for a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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:
I submitted a dispute to Experian on XX/XX/XXXX via certified mail. The certified mail was delivered on XX/XX/XXXX. I logged into Experian today and I noticed that theres no dispute initiated. Experian has cause me extreme anxiety because i am in the process of getting a refinance on my house and Experian is reporting incorrect and unverifiable late payments on my credit report. I have attached the dispute that was sent and delivery confirmation form USPS

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 2022-05-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act theses XXXX Accounts, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Transunion Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-16 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 with the Fair Credit Reporting act theses XXXX Accounts, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Accounts XXXX XXXX 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 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Services Associates , inc, contacted me via Mail about collecting a debt. They contacted me by mail on XX/XX/XXXX and identified the debt. 
I do not have any responsibility for the debt they are trying to collect. This item has been disputed on my credit report since XX/XX/XXXX XXXX credit bureau documentation available. Portfolio Recovery Services made an unauthorized/fraudulent inquiry to my credit report profile in XX/XX/XXXX and followed up with a letter XX/XX/XXXX for a debt I am not responsible for. 

Lastly, the I do not and have not given Portfolio Recovery Associates permission to obtain my credit reports or any information about my credit profile. The last status update reported by XXXX, XXXX and XXXX was XX/XX/XXXX per Annual credit report documentation. Per Federal law this debt is over 7 years .Cease and Dismiss obtaining my credit report illegally for a debt that is not valid. 

This is illegal to Re-aging debt is when a debts status changes on credit reports to make it appear as a newer debt. It is illegal for Portfolio Recovery Associates debt collectors to re-age XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 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: BMW Financial Services NA, LLC
State: VA

Complaint narrative:
BMW Financial had closed my account after I purchased a car that was on lease. Suddenly, several months later, my account was reopened without my consent, and a bill for approximately XXXX was sent to me for county personal property taxes BMW Financial claims they paid. As it was my recollection that I had already paid the county 's tax bill, I disputed the bill and asked for proof BMW Financial had paid it. I received the invoice from the county but no proof of payment. While the matter was under dispute, BMW Financial reported the amount as delinquent, ruining an over XXXX credit score. They did not contact me, and as they do not have accessible interactive communication set up for XXXX customers who can not use voice phones or TTYs, there was no way to have an interactive conversation. I attempted to resolve the issue via their email portal, but received no assistance. I attempted to resolve the issue via social media, which was acknowledged by BMW Financial but still no resolution. Meantime, my credit is damaged, by this inaccurate information reported while a dispute was in process. BMW Financial still has not provided proof they paid the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have an equity line of credit with BMO to consolidate some credit card debt from equity from my home. The most important issue is the bank was to disperse the funds to the credit cards. There was to be a {$10000.00} check sent to XXXX. The check was allegedly sent to XXXX but was not received by them. BMO is stating the check was sent XXXX says not received. I have started paying my BMO line of equity back. BMO has stated that I need to pay my XXXX bill as well to not be in default with XXXX even though funds were to be dispersed to XXXX. I am now having to pay the equity line of credit, the XXXX bill and am accruing interest on a XXXX bill that should have been paid off in XXXX. Not only am I dealing with this financial strain, the whole process of dealing with BMO has been a nightmare. From BMO sending my highly confidential financial documents to some unknown address ( which they are providing fraud protection for a year that I had to demand and waited for for a month ) to this issue with missing funds equaling to {$10000.00} plus interest. I have been working with the branch manager from BMO who has not provided a timely solution to this issue. As I explained to the BMO branch manager - they have put a lean on my home for this line of equity which is fair but now I am in financial unease because of the fund and personal financial information mishandling of BMO. Attached is the letter from 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 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We had questions about breakdown the escrow shortage. Was put on hold and transferred several times. All of our questions were not answered. It does not add up. My mortgage has increased XXXX XXXX monthly. This is my third mortgage lender they have sold my mortgage three times in the last year and a half.

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 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SLM CORPORATION
State: CA

Complaint narrative:
on XX/XX/XXXX i was informed via Email that a Sallie mae credit card account was past due and had several returned payments. I never authorized the opening of the account. i have sallie mae student loans and that all. This account was fraudulently opened and abused using my personal information. Im a victim of identity theft. my personal information is being sold online for fraud. this has been confirmand by dark web surveillance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: PA

Complaint narrative:
The Credit bureaus stated XXXX XXXX XXXXXXXX XXXX XXXX was properly investigated however this can't be possible if the open date is inaccurate. The date last active is incorrect and the date reported is also untrue. These circumstances are ground for removal. 

Furthermore, the bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. My rights were also violated under 15 U.S.C 1681 Section 11 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me when they receives any of my disputes. 

Moreover, the credit bureaus have continued to violate my rights under 15 U.S.C Section 611 ( 5 ) ( a ) ( l ) ( ii ). The states if items are found to be documented falsely or can not be confirmed the consumer reporting shall promptly delete the information from the file of the consumer My last name has legally been XXXX since 2012 I have paid my mortgage in full to XXXX XXXX ( Mortgage ID XXXX ( Credit Limit ) {$63000.00} I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is properly spelled XXXX not XXXX Please delete IMEDDIATLEY

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 2022-05-16 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: PA

Complaint narrative:
The Credit bureaus stated XXXX XXXXXXXX XXXX XXXX XXXX was properly investigated however this can't be possible if the open date is inaccurate. The date last active is incorrect and the date reported is also untrue. These circumstances are ground for removal. 

Furthermore, the bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. My rights were also violated under 15 U.S.C 1681 Section 11 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me when they receives any of my disputes. 

Moreover, the credit bureaus have continued to violate my rights under 15 U.S.C Section 611 ( 5 ) ( a ) ( l ) ( ii ). The states if items are found to be documented falsely or can not be confirmed the consumer reporting shall promptly delete the information from the file of the consumer My last name has legally been XXXX since 2012 I have paid my mortgage in full to XXXX XXXX ( Mortgage ID XXXX ( Credit Limit ) {$63000.00} I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My name is properly spelled XXXX not XXXX Please delete IMEDDIATLEY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Lost job due to COVID, missed a couple of payments and now they want to take the house. 

We make less than {$2000.00} a month and they want us to pay more than {$1700.00} a month for our mortgage. 

I am a veteran and have not been treated fairly. 

My original mortgage was {$21000.00} in XXXX and now we owe more than {$22000.00}. 

We do not want to lose our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
I'm getting repeated phone calls many times a month from this debt collector ( XXXX XXXX XXXX ) even after we have made payment arrangements to pay once a month. They always call even after I make a payment and continuously harrass us for more money. If I don't answer the phone I will get multiple voicemails. I want them to stop calling me altogether and allow me to pay the debt without being grilled and harrassed on when I'm making the next payment. They don't even wait a full 30 days from the last payment before they start calling for the next one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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 XXXX Account XXXX XXXX account number : XXXX, and Account name XXXX XXXX XXXX Account number : 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 2022-05-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 US.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-05-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 US.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: GA

Complaint narrative:
I purchase a XXXXXXXX XXXX ticket to Virginia through XXXX and had XXXX payment to each month. I paid off the XXXX payments early. I go to my review my credit score and it dropped XXXX point because the affirm company reported me as delinquent. It is causing great harm as well as a various inconvenience regarding apartment rental, car purchase and so forth .The XXXX XXXX on my phone gives me nothing to work with.

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 2022-05-16 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:
on XX/XX/XXXX i was informed via Email that a XXXX XXXX  credit card account was past due and had several returned payments. I never authorized the opening of the account. i have XXXX XXXX student loans and that all. This account was fraudulently opened and abused using my personal information. Im a victim of identity theft. my personal information is being sold online for fraud. this has been confirmand by 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 2022-05-16 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:
Bureaus reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have been paying on this student loan for 33 years. It has been bought and sold more than once. I returned to school and the loan went into forbearance. I finished school but was not working so it was deferred for 6 months. That will be over in XX/XX/XXXX. I have been told via information on the services website that the loan did not qualify for being on hold during covid, and today was the first I found out about that. The loan has apparently been collecting interest and has risen quite a lot again. My new job pays less than my old job and I will have new student loans to also pay for. This loan was originally XXXX approximately in XXXX. I now currently owe XXXX. Why is this loan seem to be designed in a way it can never be paid off? Do I have to pay on this indefinitely until I die? What happens after I die?

Company response to consumer: Closed with explanation