vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 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:
According to 15 U.S.C 6802 ( a ) ( b ) ( c ), which obligates credit reporting agencies to notify me of negative reporting prior to publication thus allowing me the consumer to protest said publication of my personal affairs. The Fair Credit and Reporting Act sets forth that any information on my consumer report must be verified. Transunion has repeatedly ignored my disputes of their failure to protect my consumer rights by ensuring that the information on my report is verified. I asked XXXX how they varied the information and they said that the bankruptcies were reported by an office inside of the court. I asked what court and I told to hold for 1 - 2 minutes before I was hung up on.I called back, and spoke to a different rep and I asked them how the bankruptcies were verified and I was told that the creditors involved in said filings called Transunion and reported them, so I asked which creditors and they went silent before attempting to rush me off the line. I called back and spoke to another rep and they told too, told me that the court reported the bankruptcies and when I told them that I know that the bankruptcy reporting was not verified because I have direct correspondence with the court 's public records department I was told that there was nothing that they could do. In addition, XXXX has intentionally ignored my FCRA protections and remains in violation of 15 U.S.C 1692 ( c ) ( c ). I even received a response from them stating that they would investigate my dispute and abide by consumer law as well as the FCRA. The truth is that Transunion keep stalling me and trying to direct me to call XXXX. Transunion refuses to take responsibility for their inaccurate and unfair reporting practices thus violating my rights as a consumer. When I called them I spoke to a Transunion rep to whom I explained my FCRA protections and then asked how they verified the bankruptcy reporting on my Transunion consumer report. I was told that they verified the information with XXXX. I then asked how they verify that XXXX is following consumer law and I was told again to call XXXX XXXX. At one point I referenced 15 U.S.C 6802 and the rep cut me off to ask if there was anything else they can help with before ending the call despite my request to speak to a supervisor. The fact is, Transunion has continued to ignore my rights and are now in violation of 18 U.S.C 1028 ( a ) and I need for the CFPB to help protect my 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 non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My complaint is against Lakeview Loan Servicing, a division of XXXX  ( XXXX # XXXX ). 

In XX/XX/2023 it came to my attention that I was 30 days delinquent on a loan ( # XXXX ) serviced by Lakeview. When the loan had been transferred to Lakeview in XX/XX/2023, I had used their online portal ( https : //lakeviewloanservicing.myloancare.com ) to set up auto-pay on the balance each month. Unfortunately, their system did not process my auto-pay request correctly, and later when I checked up on the platform, I got a very misleading message on the platform that " Online payment scheduling is currently unavailable. The most likely reason is you have already scheduled an online payment. '' Moreover, even though I had registered for an account in XXXX ( see supporting document ), there was never any email communication that my loan was not successfully being paid down. 

The end result of Lakeview 's inadequate online service is that my loan ended up becoming 30 days ' delinquent for XX/XX/2023. I promptly called customer service and was able to rectify the situation immediately by paying the outstanding balance over the phone. I also received verbal confirmation that I would be able to get the delinquency status removed by emailing the XXXX team ( XXXX ). I sent a detailed email of the situation on XX/XX/2023 - see attached documents. It has been 3 months and there has been no response from Lakeview/XXXX 

I have never once missed a payment to any debt servicer in my life and pride myself for an excellent XXXX credit score, but this issue has negatively impacted my score by over XXXX points ( from XXXX to XXXX ). I have tried contacting the credit bureaus disputing the matter. XXXX and XXXX both accepted my dispute and initially increased my credit score back to XXXX. However, for the latest month, I was notified that my score went back down to XXXX - see attached document XXXX-score-history.pdf - I believe it is because Lakeview XXXX XXXX continue to send the credit bureaus a loan history reflecting the XX/XX/2023 delinquency. 

Thanks for your prompt attention and investigation into this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: IL

Complaint narrative:
I was notified my credit report had negative activity. Upon looking at the XXXX report I saw a debt listed from Enhanced Recovery which was originally an XXXX XXXX XXXX account. I do not have any business with XXXX XXXX XXXX This is the third time this has happened due to an XXXX XXXX XXXX  error.. Earlier this year it happened to be for someone with an address in a different town. I have spent entirely too many hours of my life trying to correct errors made by XXXX XXXX XXXX due to their failure to confirm identities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i recently disputed the inaccurate and incomplete items being reported on my credit report by XXXX and Experian and i need assistance in this matter, per 15 USC 1681 require that all information be 100 % accurate and complete before reporting. i have attached copies below

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 2023-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Please note that a previous complaint was filed against my private loan servicer ( XXXX ). I continue to encounter issues with the loan servicer as I have not received paper statements through U.S. mail. On XX/XX/2023, I received an email from XXXX XXXX stating my account was under review and that a formal response would be provided. However, a response has not been provided. Instead, I received a credit alert notice from XXXX on XX/XX/2023, stating that NELNET INC/NELNET has flagged my account as 30 days past due. NELNET INC/NELNET has refused to provide paper statements and communications through U.S. mail . Instead, in what appears to be a condition of the loan product they have aggressively pushed student borrowers such as myself into electronic statements, using questionable, deceptive, and possibly illegal tactics to force student borrowers to " choose '' electronic statements by accessing their accounts online. Just because a student borrower accesses an account online does not mean that the consumer wants to receive statements electronically. Instead, they have used the telephone and electronic communications to harass students for non-payment and then report the account as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a Wells Fargo XXXX credit card. Wells Fargo is shutting down this program and transitioning to a new one, and they informed me that they are sending me a new card on XX/XX/XXXX. The card was lost in the mail because I have never received it, and on Friday XXXX I got texts to confirm large purchases I havent made ( fraud ). 

I immediately responded that these purchases arent mine and deactivated the card through the app. By that time, three fraudulent charges have been posted, all in XX/XX/XXXX, with the following amounts ( {$1100.00}, {$100.00}, {$25.00} ). I called the bank within an hour to confirm these were fraud transactions and to halt all action on the account. To my surprise, after verifying more than 10 personal identifiers through the phone, the agent asked me to go in person to the bank to verify my identity. I did on the following business day ( XXXX XXXX  and third branch in New York NY ) and explained everything. Despite a subpar customer service at the visit, they confirmed my identity and confirmed which transactions were fraudulent. They informed me that this account will be closed and a new one with a new card will be open, and previous transactions will be transferred. 

Since then, my account shows the establishment of a new account and the shipment of a new card, but still has the fraudulent charges confirmed on the new account. I attempted calling Wells Fargo on XXXX, and they again insisted on me going to the bank. I went to the same branch and they said they didnt have bankers available for the day. 

This interaction has been one of the worst experiences Ive had with financial institutions. From stalling to resolve a fraud transaction that was caused by them/mail service, to repeatedly making it difficult to interact with the bank via phone or in person, to allowing a new card to be activated without verifying identity, Wells Fargo is setting a new lows in customer service and financial protection.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/23 I contacted TransUnion to life a freeze on my credit. In the past I'd just done this with my cell phone and no problem. This time I started it and was met with sales statements throughout the process only to be placed on hold for 10 minutes to talk to a rep. I repeated my request to the rep but I couldn't understand her because her call center was so loud, her voice kept going in and out and we had a language barrier ( she didn't understand English real well and I had difficulty deciphering her accent ). She repeatedly told me her system is very slow and it keeps going down. Not what you want to hear from a credit reporting agency that affects millions of people! So, she told me she lifted the freeze. I learn today, XX/XX/23, that it was NOT lifted so I went through the process again. The woman did manage to lift the freeze. However, she told me I would receive an email acknowledging this but I never received the email. My concern is with the technical difficulties with an organization that holds all my financial data and controls my " credit future '' and that of millions of others! In addition, this process was extremely sales-minded. It would be great if someone could look into these practices. Thank you!

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 2023-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank automatically enrolled me in escrow for my home owner 's insurance. I made the payment to reverse the transaction, but they continually charge me an escrow fee on top of my regular mortgage payment.

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 2023-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX Account # XXXX is a fraudulent account and has been reported multiple times to XXXX XXXX and TransUnion telling them to delete it since it isnt mine. I keep getting canned responses claiming that this account does belong to me. However they refuse to provide such evidence. I have filed a police report, ftc affidavit and submitted proof of my identity. However they continue to claim there is no fraud. I dont know how I have to get it through their heads. That it couldnt have been me because I wasnt available and the person living at my house may have used my information. Again XXXX XXXX refuses to provide the documentation that they claim they have and I believe its because they really dont have the said documentation. I will upload my files to this complaint and go from there. This isnt fair that a company can claim they have done an investigation yet refuse to support it in anyway. ID, proof of address also attached. The only acceptable solution is to delete this account. Heck I have yet receive a 1099 either yet XXXX XXXX claims it has been charged off. I want to see the evidence that you have.

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 2023-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
i have a auto loan with Santander. i had been in the hospital for four months. i called Santander approximately 4 times to make arrangements to make installment payments on my car note to bring them up to date. They agreed to take weekly payments of {$240.00}, which were automatically deducted from my account, which is current. 
Because I was in the hospital they allowed me to pay {$240.00} per week to play catchup to my car payments and made them current. 

So i would like them to retract the late notices on my credit report because they knew i was in the hospital and they agreed to make payment arragements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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 name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 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 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 2023-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion is reporting a account on my consumer report that is not mine the account name is : XXXX XXXX XXXX XXXX this does not belong to me Ive called the creditor and TransUnion and nothing has gotten resolved I have a recording from a TransUnion agent that they dont verify or validate accounts.

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 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I mobile deposited my check from working at the Indiana XXXX into my account. 
Shortly after this my account was flagged for closure. 
I called and asked why and they said for an invalid check. 
I asked for details and they refused to tell me anything other than I would need the issuer ( state auditors office ) to call. 
I provided this number and an agent told me it was invalid and not a Indiana number?? 
I called back again to try to get more details on the situation and what I can do or if the money ended up being deposited. 
Was told I could be provided no further information and I had to wait 60 DAYS to get access to money IF it did go through, the agent couldnt even tell me if it did or not. 
All of this happened XXXX XXXX. 
The company is CITIBANK mobile banking.

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 2023-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: GA

Complaint narrative:
Global lending Services has been calling me twice a day for over 9 days straight now, sometimes after XXXX. They have even started calling my family members. In total they have called 18 times in the past week. This company is an outrageously unprofessional group.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-24 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: NY

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 name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : 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 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 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