vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint narrative:
I have taken a loan from XXXX XXXX on XXXX i have closed that loans and taken XXXX also but still showing in XXXXl, XXXX, Experian sites i have all closure 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 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, I recently sent your agency a dispute document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX XXXX XXXX / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} # XXXX XXXX XXXX XXXX / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The accounts shown above are duplicates collection accounts. Multiple collection accounts for one assumed debt is an illegal reporting practice.

2. The accounts shown above have different balance owed amounts, which clearly proves inaccuracies in XXXX XXXX XXXX illegal reporting practices. 
XXXX. The accounts reported above are not my debit, and I have no knowledge of them. 
XXXX. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves XXXX, XXXX illegal reporting practices. 
According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report.

Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality in 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have rights to privacy.

15 U.S.C 1681 Section 604A 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. 

Credit XXXX : Account # XXXX Credit XXXX : Account # 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 2022-04-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality in 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have rights to privacy.

15 U.S.C 1681 Section 604A 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. 

XXXX  XXXX : Account # XXXX XXXX  XXXX : Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: MN

Complaint narrative:
XX/XX/XXXX, XXXX After driving across the XXXX in a XXXX loaded with over XXXX XXXX pounds, I backed into the receiver dock in XXXX . I shut off the lights, locks the doors, and laid down to get a three-hour nap before the receiver arrived to unload my trailer. Just before dosing off, I tried check my bank accounts that were taking a huge hit due to diesel prices reaching well over XXXX dollars a gallon. To my surprise, I was locked out of all my accounts. 

After spending about 20 minutes on the phone with US Bank, I was told that there was nothing they could do and it could take 24 hours to unlock. The Representative at US Bank said the same thing happened to her while at the airport. I reset my phone to the factory setting the previous day and US Bank said they did not recognize the device. 

Why could they not just ask me while I was on the phone if it was me who tried to log in? Other banking apps send an email or text if they suspect an unusual login they don't lock you completely out of your account. '' That afternoon I called US Bank again and was told it would be 24 hours before they could unlock the account and currently, no one is assigned to the case. 
The following day I called US Bank and was told that it was not 24 hours but 48 hours and the reason I was told 24 hours was due to the new undertrained employees. 
With no way to pay bills, check balances, and manage my accounts. 
I contacted US Bancorp 's Executive Communications Unit and XXXX XXXX XXXX responded saying she was looking into the situation.

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 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Numerous attempts have been made with Freedom Mortgage to remove XXXX. Attached you will find my appraisal report for my home. According to law, XXXX can be requested to be removed in writing. I have made the request several times in writing and over the phone. I followed the below steps with attempting to remove XXXX with them because I have reached the date when the principal balance of my mortgage has fallen to 80 percent of the original value of your home. 

I made the request in writing. 
I have a good payment history and be current on payments. 
There are no junior liens ( such as a second mortgage ) on my home. 
Evidence ( for example, an appraisal ) that the value of my property hasnt declined below the original value of the home. 

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 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
paypal closed my account for no reason.. they have further hold my funds for over 187 days without enabling ne to withdraw my money ( XXXXXXXX XXXX  ) i need help. 
" You can no longer do business with PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. 

You'll not be able to conduct any further business using PayPal.

Any bank or credit card information that's linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. 

If you have funds in your PayPal balance, we'll hold it for up to 180 days. After that period, we'll email you with information on how to access your funds. 

We regret any inconvenience this may cause. '' my mail : - XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have no knowledge at all about this account and this company is messing up my credit its reporting that the flagging my account with being 60 days late and if your not able to accurately validate a account per the fdcpa, that you cant be placing no negative information on someone credit bureaus, this company is very very wrong because they shouldnt allow someone to get any credit without proper identification to open up a account this company has failed so many people with opening up credit without properly information I can imagine all of the people that has a issues with this company and whats so sad is that they will call you and harass you about it and have these people to say you know you did it my husband is in the service trying to protect our country and this company is bogus on all levels and now they are reporting and flagging my account with fraudulent information its a pandemic out here and they dont care but to harass me without proper information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have inquiries that I did not authorize on my Equifax report. I have disputed multiple times and still no resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX charge off This information is incorrect Ive called multiple times and the amount is incorrect . I am asking this incorrect information be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Students loan was relieved by government. I should no longer have a balance. Student loan forgiveness was in effect as I an a 100 % XXXX XXXXits affects my credit score greatl.

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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Students loan was relieved by government. I should no longer have a balance. Student loan forgiveness was in effect as I an a 100 % XXXX XXXX.its affects my credit score greatl.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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:
The list of accounts Below has violated my federal protected consumer rights to privacy and confidentiality pursuant to the FCRA codified at 15 U.S.C 1681 b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) Account 's are : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : 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  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX I am willing to settle for {$1000.00} in civil liability damages I have suffered as a result of your violation persuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S C. 1681n ] , or Deletion. 
Should you refuse to settle or Delete within ten ( 10 ) calender days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've tried to submit an applied for the Chase Sapphire XXXX Credit Card. My application was denied even though my score across at least XXXX credit agencies is Excellent and above XXXX and for the other XXXX agency my score is Excellent and above XXXX. I've been also a client of Chase credit cards for several years and I carried multiple cards with them in the past. Currently I have XXXX active credit cards with them. It's very frustrating what's going on. My XXXX XXXX received a hard inquiry from the process of applying to this Chase Sapphire Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: NJ

Complaint narrative:
I had requested for an investigation with the three major credit reporting agencies within my rights under the Fair Credit Reporting Act. I disputed the accounts attached to this complaint and the credit reporting agencies claimed to have verified the accounts which also included a bankruptcy public record. I found the credit reporting agencies alleged verification as sketchy due to the fact that information was still reporting inaccurately for the disputed accounts and the United States Bankruptcy Court for the District of New Jersey has already confirmed that they don't furnish any information to any credit reporting agencies including XXXX but the three major credit reporting agencies claimed to have verified the bankruptcy with XXXX which is impossible because the bankruptcy has already been disputed and removed from my XXXX credit report. 

The three major credit reporting agencies stated that the accounts and bankruptcy was properly investigation but how is that possible if the account type is inaccurate and the bankruptcy reference number is not accurate. This is ground for removal as they violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy and under 15 U.S.C. 1681 section 604 A which states they credit reporting agency can not furnish information without my written consent. Also, the credit reporting agencies never sent me results for my dispute request and I had to get updates through my credit monitoring account with XXXX but I never received anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: ME

Complaint narrative:
Navy Federal Credit Union ( NFCU ) recently partnered with a non-affiliated vendor, XXXX XXXX XXXX XXXX ( XXXX ), to provide NFCU members with access to their credit score under a program branded as " Mission : Credit Confidence. '' I am a member of NFCU and was subscribed to the new program without my consent. The terms of the program require NFCU members to consent to the collection and sharing of personal information, such as social security numbers, income and financial information, marital status, etc., for use by XXXX 's and its advertising partners ( among others ). The main feature of the program seems to be sending unsolicited emails to the private email accounts of NFCU members advising them of changes to their credit score. A direct hyperlink to the program also appears as a click-thru banner on member secure account summary web pages and in NFCU 's mobile app. At program inception, and on divers occasions thereafter, I repeatedly communicated to NFCU my desire not to participate in this program. In a further effort to provide resolution, I was recently instructed by NFCU to enter the Mission : Credit Confidence program dashboard via my secure NFCU account and dis-enroll from the program. This is conclusive evidence that NFCU subscribed me to the program without my consent and may have breached its internal privacy policy by sharing my personal information with a non-Affiliate without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Some one call trying to collect money did not State who they were. Asking for unauthorized info. I felt threaten and ask them not to contact me again. I have no idea about this matter I will start l legal procedure if continue.

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 2022-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
XXXX approved the streamline flex modification before the changeover to PNC bank. 
None of the forbearance payments are reflected in new loan paperwork that arrived over the weekend. PNC is unlawfully inflating the amount owed on the loan and not keeping to the agreement made by XXXX. I asked supervisors to fix the errors and the errors are getting worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There have been two instances of predatory practices by Citi / Home Depot on my account. I had two promotional purchases on this card in XXXX. The first, carried a promotional balance of {$1100.00}, with a full payment on XX/XX/2022. I set the payment to be debited by XXXX on that date, which it was. The following statement indicated the payment was missed and back interest charged.. In follow up although XXXX made the debit on XX/XX/2022, they did not post the entry until 3 days later. I called, and Citi corrected the matter, crediting my account. 

The second instance was again a promotional purchase with an amount of {$140000.00} with a due date of XX/XX/2022. In XXXX, Citi flipped part of the 12 month " no interest, minimum payment due '' to 6 months term and charged me {$160.00} in back interest. I called and a customer service rep said it was Citi 's mistake, credited the interest back to my account, and stated they would move the time frame back to 12 months. On the next statement I noted Citi charged {$11.00} in interest on the now " revolving balance ''. I called again and a customer service rep told me that Citi had " declined '' the XXXX 's request. Further as I had not objected to the time flip from 12 months to 6 months within 60 days, I had by default " agreed ''! This is absolutely predatory practice, and there is an absolute problem with whatever department heads up Citi 's private label cardio cards which is EXACTLY what the customer service rep told me ... ... .Now they tell me the issue has been forwarded to some " special unit '' and will take 2-3 weeks for them to consider my case ... .....

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 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Never received notice to dispute. Midland Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
An online checking account was opened with Wells Fargo with my social security number. That Wells Fargo account was then linked to my legitimate XXXX savings account and 3 transactions occurred to electronically transfer money from my savings account and moved to the illegitimate checking account with Wells Fargo. 1. {$1900.00} 2. {$2300.00} 3. {$340.00} I called XXXX XXXX on XX/XX/22 to explain and confirmed the account was created online with my social security number, name and address however the phone and email address did not belong to me. Wells Fargo contirmed the transactions were attempted however canceled and never deposited into the Wells Fargo account. Wells Fargo closed the account and waiting for confirmation documents in the mail. 

I followed up with XXXX where the transactions were flagged as fradulent however the money was taken out of the savings acccount. As of XXXX the fraud department of XXXX XXXX  was in the process of reimbursing the {$4600.00} back to my savings account.

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