vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 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: TX

Complaint narrative:
Experian Consumer Services has broken the law by ignoring their responsibilities when it comes to conducting business in a ***TIMELY*** manner. It has been over 90 days ( XX/XX/2022 ) since my original dispute and Experian has taken no action whatsoever. Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
So since XX/XX/XXXX XXXX havent had access to my money. On XX/XX/XXXX I called capital one and they havent told me anything about the account or why theyre withholding funds from me the accountholder. All I want now is a check for the funds and to close the account. I suspect it has to do with the unauthorized transactions on the account. But if theyre going to deny every dispute then they can just keep the money. I just want the account closed and a check for whatevers left after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TN

Complaint narrative:
I initially made a purchase from XXXX XXXX on XX/XX/2022. The items were too small and I returned them to be exchanged for larger sizes. The company didn't have the products and the cost of the order was {$160.00}. XXXX issued a credit for their site on XXXX, XXXX, XXXX at this time there were no items available on the site. XXXX over month there was a lack of merchandise on the site so the credit couldn't be honored. I then requested through US bank to dispute the original charges approximately XX/XX/2022. The original dispute was closed stating I didn't return proper documentation. However, when I called they had received the documents and were supposed to reopen the case on XXXX XXXX. They failed to do so I called again in XXXX to have this issue re-evaluated. The case was mishandled with little regard, because they continued to fail to update their notes that the documents were received and would only find them once I clearly stated they were sent and your co-workers verified these documents were sent. This case needs to be reopened and my refund needs to be issued.

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 2023-01-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently discovered that I'm a victim of identity theft. I pulled my credit report and noticed that I had several addresses on my credit report that I have NEVER lived it

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 2023-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: KS

Complaint narrative:
Hello i have been trying and trying to get this stuff fixed for almost 2 years now. The reporting is just all over the place honestly and you guys are my last resort. In the past Fed Loan Servicing has been pretty decent with getting back to me. However every time the " updated '' something it still came back inaccurate on my credit report. So it's costs me time and alot of money going back and fourth with them for 2 years. get that they are very busy and probably under paid but the illegal reporting is really stressing me out and causing me XXXX XXXXXXXX and everything. Covid really hurt alot of people and i know they are helping people get through it by deferring stuff, but man they have been ignoring me like crazy. As an American, i have rights and my rights are being ignored. They are illegally and inaccurately reporting information to XXXX XXXX and XXXX. Not only did i never receive my consumer reporting rights from Truth in Lending but it is inaccurate reports showing. They are reporting 5 different reports as of today. And i am a private person so i told them i don't want to give up my right to privacy for them to violate that hurts bad. I asked them to remove it many times but they are just too busy to listen. They removed some but not all the ones i mentioned in my letters. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: CA

Complaint narrative:
I recently discovered that I'm a victim of identity theft. I pulled my credit report and noticed that I had several addresses on my credit report that I have NEVER lived it

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 2023-01-09 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: CA

Complaint narrative:
I recently discovered that I'm a victim of identity theft. I pulled my credit report and noticed that I had several addresses on my credit report that I have NEVER lived it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: IN

Complaint narrative:
15USC 1681 section 602 ( a ) states that I have a right to privacy.

As per 15USC 1681 section 604 ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Transunion has violated my rights with the reporting of a bankruptcy that was not the result of an order from the court nor at the request from the court. This claim against me is without my approval, written consent, nor agreeance. This company have not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request that you remove the below mentioned information from my Consumer Report : XXXX XXXX XXXX XXXX  If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: NC

Complaint narrative:
Received notification of collection. There was no information validating this debt is owed by me. This company is in violation of the FCRA reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: WI

Complaint narrative:
I went to XXXX XXXX to buy a XXXX XXXX  with XXXX down payment. 
I was only presented with XXXX option to buy the vehicle even tho my XXXX XXXX was over XXXX. 
And I was told the rate was XXXX  % and could refinance it right away with no penalty. 
I made the interest payment like I was told by the lender for the first 2 months and when I tried to refi the XXXX I found out the rate was actually XXXX  % and that I now was 2 months late on the payments because I was only paid the interest. 
I tried to get the interest rate and payment lowered and was told they have no other products and that I would have to keep the loan or get it refinanced in which I cant because the payoff was higher than the XXXX was worth. 
Then after I paid on it for XXXX  years I had to take out a loan for the same amount that I paid for it and now I am out XXXX  of dollars and still paying on a XXXX  that should have been paid off years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Began searching for online savings account in XX/XX/2022. Found offer for Citi XXXX XXXX account with high yield bonus on their website. It had me enter zip code to see if offer was good in my area. It was confirmed the offer and I opened the account with initial deposit of XXXX on XX/XX/2022. I received email ( attached ) titled XXXX, Congratulations on enrolling in the Citi XXXX XXXXXXXX XXXX XXXXXXXX Bonus Offer on XX/XX/2022. The email details the criteria where balance level must remain at XXXX or above to receive the XXXX bonus. My balance level never went below XXXX and currently above XXXX. After the promotion period ended I proceeded to contact customer service through chat multiple times where it was confirmed that met all the criteria and was told I would see the bonus applied in XXXX hours ( Citi can access the archives of the chat ). Nothing for weeks and I finally called customer service. Was told the inquiry was submitted under the incorrect promo code. A manager found the correct promo code and reopened and was told I would get call back in a week. Weeks went by and heard nothing so I called back again. Incredibly condescending customer service agent told me that I am ineligible for the bonus without any details and said I could write a letter regarding the decision. I figured I would submit a CFPB complaint before filing a small claims and going to local media.

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 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received an statement with for an account that I have already had a fraud on, this time in the amount of {$19000.00}. The cards belong to a Bank Of America account. 

This card is barely use or only use when I travel outside the USA ( if needed because I have other card issued ). The last time this card was used the statement was less than XXXX XXXXXXXX The statement says I have to pay for a balance transferred to other accounts which i do not have- I requested proof and they do not have it. It says it was sent to an apple account witch i do not own. These payments were never done by me. 


XX/XX/05 XX/XX/05 BALANCE TRANSFER XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/05 XX/XX/05 BALANCE TRANSFER XXXXXXXX XXXX XXXX  XXXX XXXX XXXX I had also a fraud on other cards and balances were transferred to XXXX. I don't have an account with XXXX and I have never had an account with them.

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 2023-01-09 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-01-09 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: WA

Complaint narrative:
I have a Bankruptcy report on my credit report. I don't have any idea about these report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

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 2023-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
We applied for and were approved for a mortgage on a new build in XX/XX/XXXX. We gave XXXX XXXX, XXXX XXXX, our closing date of XX/XX/XXXX. 
We provided ALL information as requested and paid appraisal fees within 24 hours. 
Our Title person reached out the week before and of closing with no response. 
We reached out daily and were told it was fine and moving along. We got a preliminary CD on XX/XX/XXXX showing everything ready to go. 
On XX/XX/XXXX, our closing date, we were asked for the same materials we had sent and a bunch of new information. It was sent. We missed our closing. We spoke with a supervisor who told us he didn't understand why there was a hang up. 
We agreed to move the closing to XX/XX/XXXX. 
On XX/XX/XXXX, the mortgage company asked for more statements showing daily balance and running daily balance. We have closed on 2 houses in the past and have NEVER had these problems. We continue to get the run around on XX/XX/XXXX and have no idea why this is not happening. They had 6 months. This is costing our family money, time and is beyond distressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: GA

Complaint narrative:
The company was sold to another company I believe. It just popped ip on my credit report in 2022 and says that it will continue to report for another XXXX  years id so. This is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: NJ

Complaint narrative:
I requested a copy of the contract to pay the alleged debt collector and the debt collector failed to verify debt owed to them. Debt collect could not furnish a signed contract for me to pay the alleged debt to their agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am helping my XXXX old mother with her complaint. She lives in XXXX  and occupies the property in question. 

I live in XXXX, not far from XXXX. 

In XX/XX/XXXX my mother closed on her reverse mortgage with XXXX XXXX XXXX. 

M mother was in XXXX XXXX at the time of closing. 

A sum was distributed at closing sufficient to satisfy bankruptcy trustees The trustees subsequently provided a document stating that mother had completed her final payment. 

PHH Reverse Servicing [ XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX says my mother 's mortgage is with their bankruptcy department and, due to bankruptcy law, PHH XXXX XXXX is unable to communicate directly with us or to provide us with any information regarding status or resolution. 

Further, PHH has subsequently filed a proof of claim that appears to be the reason my mother 's bankruptcy attorney can not file papers with the court concluding her bankruptcy. 

The amount of funds in the PHH claim appears to be approximately the same sum paid at settlement to the bankruptcy trustees in XXXX XXXX, a separate sum of {$2000.00} dollars made available to my mother at the time of the XX/XX/XXXX closing. There also appears to be a charge for bankruptcy attorney fees to my mother 's account for {$250.00} on XX/XX/XXXX and again on XX/XX/XXXX. 

Subsequent to the XX/XX/XXXX closing my mother continues to lack access to funds that were supposed to be available following her reverse mortgage closing. 

My mother 's PHH account shows a loan balance of $ XXXX and and an available funds balance of XXXX as of XX/XX/XXXX. 

I need someone in PHH Bankruptcy Department with authorization to contact me so that I can better comprehend the situation from their perspective. 

XXXX or XXXX The files I am attaching PHH already has.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: Navient Solutions, LLC.
State: CO

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 protection consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Navient Acc # 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 that consumer reporting agency can not 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: IL

Complaint narrative:
Hi I'm XXXX XXXX I'm a consumer summiting a complaint as a victim of identity theft. XXXX, Equifax. has used and abused my personal information by furnishing my Non public information to other companies. This sharing of my personal information was not disclosed to me in writing. My right to privacy as been violated under the Gramm Leach Bliley Act of 1999. These violation need to be addressed As soon as possible as it has resulted in me being victim of identify theft. I demand all stated accounts be removed from my credit report with in the next 4 days as stated in law under under 15 U.S. Code 1681C-2 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 2023-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/2022 I paid off the card. I called to get the current balance and while on the phone, paid the stated balance off. Lane Bryant continues to charge me and I cant understand their customer service reps. Every month since payoff they add more money to balance. 

My payoff per their credit card phone system needs to be honored. 

It should not be this XXXX to do the right thing.

Company response to consumer: Closed with monetary relief