vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told First home and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund XXXX  of dollars from the error that was made. Ive never been late and I believed first home. I have a top secret security clearance for work and First Jome reported the mortgage as late, my score plummeted and Im at risk at work for action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to first home. First home can schedule the payments if they want assurance. First home knows this isnt my fault yet Im being penalized and o can even make regular payments now because of the bounced payments from the XXXX issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing this complaint cause I got a personal loan from Marcus by Goldman Sachs on XX/XX/XX/XX/XXXXthe partial account number is XX/XX/XXXXXXXX I went to purchase Credit monitoring with XXXX and was denied access to my credit report. When I called XX/XX/XXXX Customer service I was told that one of my creditors which is Goldman Sachs was reporting my account with the social security number transposed. They are reporting XXXX and my social is XXXX. 

I was told my credit file will remain supressed until Goldman Sachs corrects the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I filed 2 prior complaints regarding this problem. The company did not answer the question the first time and its 2nd responses not correct. 

The origination date of my loans is XXXX. 

Origination is defined by the Federal government as " the date the funds were distributed to the school or the borrower. '' Nelnet has the date as XXXX. No FUNDS WERE DISTRIBUTED in XXXX  therefore it is NOT the origination date. 

Nelnet 's response was as follows : " The origination date is correct as XXXX  for the Consolidation Loan because that is when the funds were disbursed to you for the new loan. '' Let me be perfectly clear, NO funds were distributed in XXXX  to me or the school. Zero. No new loans were originated in XXXX. 

XXXX  was the date the loan was transferred from XXXX  XXXX XXXX XXXX XXXX XXXX and the loan was consolidated from one servicer to another servicer. NO NEW LOANS WERE ORGINATED OR DISBURSED TO ME OR THE SCHOOL IN XXXX THERE WAS NO NEW LOAN. 

Please correct the origination date to the date the funds were orginated and distributed directly to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: VA

Complaint narrative:
I opened a checking and savings account account with Laurel Road in late XXXX XXXX. Since that time, I've added a payroll direct deposit, and started transferring money into this account to use as my primary account. 

This week, I made the final transfer from my previous bank into this account, and expected to log in and start setting up bill pay. 

However, my account access has been locked. 

I spoke with Laurel Road twice today, and the person told me they had no idea why my account has been restricted, they have reached out to another department, but they didn't know how long it would take to resolve. They also said I couldn't contact that department directly. 

So, what is supposed to be my primary bank account is locked for an unknown reason for an undetermined amount of time. 

After doing some research online, and seeing the number of people who have also faced this issue, I figured I would just report to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I previously applied for autopay and now loan XXXX is REMOVED from autopay and I had to REAPPLY on XXXX, see original response from Aidvantage that confirmed all loans were in autopay : Per your request, we have reviewed your account and confirmed your initial Auto Pay application from XX/XX/2023 was processed on loan XXXX only, which was in its own billing group, and not on the remaining loans. On XX/XX/2023 you called and spoke with an agent after submitting a second request to be enrolled in Auto Pay. The agent confirmed your Auto Pay was due to be processed prior to your first monthly payment due date on XX/XX/2023. We have confirmed that all your loans were enrolled in Auto Pay on XX/XX/2023. We have updated the 0.25 percent interest rate reduction incentive to be effective XX/XX/2023, the date the original application was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 
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 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX  and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed XXXX XXXX. I have a top secret security clearance for work and XXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXX XXXX. XXXX XXXX can schedule the payments if they want assuranceXXXX XXXX XXXX knows this isnt my fault yet Im being penalized and o can even make regular payments now because of the bounced payments from the XXXX issue

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX  and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed first home. I have a top secret security clearance for work and XXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to first home. First home can schedule the payments if they want assurance. First home knows this isnt my fault yet Im being penalized and o can even make regular payments now because of the bounced payments from the XXXX issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX  and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed first home. I have a top secret security clearance for work and XXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to first home. First home can schedule the payments if they want assurance. First home knows this isnt my fault yet Im being penalized and o can even make regular payments now because of the bounced payments from the XXXX issue

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 2023-10-12 00:00:00
Product: Credit reporting 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 Act15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestisgate the completenesss and accuracy of the list of accounts below : 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  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 itemsof information other than records of convictionsof crimeswhich antedates the report bureau more than 7 years 15U.S.C 1681s-2 ( a ) ( 1 ) A person shall not not furnish any info relating to a cusumer an person knows or has reasonable cause to belive 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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am filing this complaint cause I had a discover credit card that was joint with my mother that was opened on XX/XX/2012. 

I was attempting to sign up with credit monitoring with XXXX and was unable to create an account. I called XXXX customer service and when they looked further into the situation, I was told that one of my creditors was reporting my accounts with my social security transposed. The social they are reporting is XXXX the correct social that should be reporting in XXXX. I was told that until this is not corrected by my creditor my file would not be accessible online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2023 I was a victim of a fraud scam on XXXX for concert tickets and a fraudulent XXXX transaction. The XXXX XXXX was made on a friends XXXX page ( XXXX ) that the involved parties know personally. The XXXX account the money went to for concert tickets matched the same name of the friend we thought we were talking to. We were under the impression that we were corresponding with our friend as well as her correct XXXX account, as the names matched. We sent the payment of {$1200.00} for the 4 tickets and shortly after we were made aware that this friends XXXX page had been hacked and there were no concert tickets being sold. I feel that the bank should offer more protection with transactions because how was I able to know I am not sending to the correct person when the name of the XXXX account was registered to the same name as my friend I thought I was corresponding with. We never received any tickets, or any money back from the person who hacked my friend XXXX and scammed me and possibly others. My bank, US Bank, denied my fraud claim. I have filed an appeal and am awaiting a response. They have not asked for any evidence that I could absolutely provide to help the investigation and prove this was fraud.

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 2023-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: FL

Complaint narrative:
Account showed up in my credit report, not my debt and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I. Introduction : I hereby submit a formal complaint against XXXX for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : XXXX  has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter becasue its been a year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Bureau of Collections, Inc
State: AZ

Complaint narrative:
Constantly get calls from National Bureau of collections. I do not know them, or owe anything to them. they were looking for someone else but calling my cell phone. called at XXXX am and left a voicemail on my cell phone, telling me they were going to issue a arrest warrant if i didnt respond.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation