vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 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: NE

Complaint narrative:
In Accordance with the Fair Credit Reporting the following accounts are violating 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 that a consumer reporting agency can not furnish an account with out my written instructions. 

XXXX act. # XXXXXXXX XXXX act. # XXXXXXXX XXXX act. # XXXX XXXX XXXX XXXX XXXX. # XXXX Also these inquiries reported on my credit report don't belong to me : XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following date XX/XX/year>. XXXX now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action. 
Account Name : Capital One Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: WV

Complaint narrative:
I contacted them and informed them that Im a victim of identity theft and fraud and provided all the documents required to them but they have refused to remove my name from this account and notifie the credit bureaus that this is not my account and have refused to do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you 1. XXXX  XXXX XXXX XX/XX/XXXX - {$920.00} 2. XXXX XXXX XXXX XX/XX/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 2024-05-04 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: CT

Complaint narrative:
I recently became aware that unauthorized fraudulent accounts, addresses, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Champions Funding, LLC
State: CA

Complaint narrative:
I was interested in a {$100000.00} loan, and my loan officer at the time told me it would have to be at least {$170000.00}. I was concerned about my monthly payment being too high, considering that it was a 9 % interest rate. He said I could just pay down a larger amount of the principal that way, the monthly payment would become lower. 
In XX/XX/XXXX, the loan was funded by Champions Funding and I was told the same thing by the loan representatives. So, I paid {$30000.00} of the principal in XXXX, but my monthly statement showed the same amount. I called the company, and was told that it " needed a little time to recalculate in the system ( the so-called recast ) and that the monthly amount will then be adjusted automatically ''. 
Before this could happen, however, Champions Funding sold my loan in XXXX XXXX to another bank, called XXXX  XXXX now refuses to do a recast. They want written confirmation of this recast, which Champions Funding can not provide, as everything was done verbally. Champions Funding should have done the recast before selling my loan. It was the sole and only purpose of paying the {$30000.00} to reduce my monthly payment. That did not happen. I am therefore requesting a return of my {$30000.00} from Champions Funding in collaboration with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Bank Of America breach the HAMP agreement with FNMA and they filed false proofs of claim in bankruptcy without applying the payments received from FNMA to the borrower account.

Bank Of America does not comply with their HAMP agreement and did not credit the payments received from FannieMae to the borrower account, and on top of that they double-dipping filed false FCA proofs of claim in bankruptcy without applying these payments to debtor 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 explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On Friday XX/XX/year>! Myself and XXXX XXXX my fiancee called New Rez 3 times, to resolve the following issue on one of our two mortgages they have with us.

Issue one! 
To reverse the misapplied late fee XXXX that they put into a debt collections it wasn't even valid.- three calls three employees each and everyone would get to a stage then hang up on us so we had to call again. 

Issue two!

they applied an overpayment to the principal instead of the mortgage payment and hung up on us when we neared the end of the conversation ( 3times ) so we don't know what happened. {$770.00} Issue three!

We can not get online to my account and we call and they hang up on us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Would buying the vehicle I was told that my payments would be reported to all three credit and it has not been I called the company asked if I can get any paperwork reporting my payments to my credit and they told me no when I have over a XXXX score on the other two platforms and this one I don't and it is really hurting me to move forward with my life

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 2024-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a chase savings account as a new savings account customer on XX/XX/year> through a link that was texted to me from my mom. In the link was a {$200.00} bonus offer for new customers that transferred {$15000.00} of new money into their new savings account ( after 3 months, keeping the minimum balance of XXXX ). I followed all steps exactly as instructed on their website. During the process, there was a message fixed at the top of the application website saying your offer is being applied. My account was opened successfully and I transferred XXXX from a different bank account from a completely separate institution from chase, within the time frame posted on the offer. 

Come 3+ months later, I realized that I have not received the {$200.00}. I called Chase and requested for the status of the bonus, and their answer was that they didnt see any promotion code applied to my savings account. I let them know that their website doesnt ask for a code. The rep told me that they will escalate it to some other department and that I would be contacted in XXXX business days and this was more than a week ago. I have not heard back from them since. 

Their bonus offer website still doesnt ask for any code when I try to open a new account. I see the same your offer is being applied message at the top and thats it. I see many people online thats been through the same exact situation. I believe Chase is deliberately doing this, seeing how they have not fixed anything on the website after so many months. If this isnt a scam, I dont know what is. I also have a video support for my claim, but its over 10mb so I cant attach here but if Chase wants more supporting document, I can provide it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-04 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: KY

Complaint narrative:
I noticed items on my report that I've requested to get removed the company 's aren't trying to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: KY

Complaint narrative:
I noticed items on my report that I've requested to get removed the company 's aren't trying to remove 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 explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi XXXX XXXX card ending in XXXX It is not acceptable that credit card companies are charging {$40.00} late fees for XXXX, XXXX 2024 for balance less than XXXX and fees are XXXX dollar per month. I called in yesterday and XXXX late fee of {$35.00} was waived off. And they refused to waive fees for XXXX, XX/XX/year>.

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 2024-05-04 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 name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : 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 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 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Tuesday XX/XX/24 XXXX cruise had 2 pending charges ( one for {$75.00}, and another for {$5.00} ) on my debit card/checking account that I did not know were coming and it overdrew my account. I called chase and disputed them same day but told them in that call there was nothing wrong ( card and my personal items werent stolen, all the other charges I recognized. ) So I told them I do not want them to close the card or anything of the like. The representative I spoke with said he understood as I made the claim. On Friday XX/XX/24 I get notice from my XXXX wallet that my card can no longer be used. However I did not receive a call, email, or text from chase to notify me this was going to happen. I called chase same day late afternoon and there were apparently no notes as to why my card was closed nor had a new card been mailed out with overnight shipping to me. After about XXXX  hours from start to finish and being transferred about XXXX times I was told that the reason for fraudulent activity by the chase fraudulent hotline department. I only have the one debit card to use my checking so I was without anyway to access my funds. I was severely inconvenienced by chase banks extremely incompetent, inconsiderate, and very poorly communicated ( both internally as there we no notes as to why it was closed and externally as I was in no way contacted or notified by them that my card was going to be or had been closed, and by extension I was not given the opportunity to reply to it before it was closed ) handling of this situation. And I believe their behavior was unethical and in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am wanting to apply to separate my federal Spousal  consolidation loans. I contacted my servicer requesting a forbearance while we wait for the federal government application process to be completed, but I was told there is no forbearance available. The student aid.gov website says that we should file a complaint with your office in order to obtain the forbearance and notify the government of our intent to separate the spousal consolidation loan. My husband is a XXXX XXXX and would qualify for public service forgiveness, but we can not get that while we have the consolidated spousal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Kovo
State: MS

Complaint narrative:
Kovo did not provide me with a loan a made fraudulent charges on my XXXX XXXX Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I contacted Capital One Bank by phone and was informed that my banking relationship with them had been terminated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: OneMain Finance Corporation
State: TX

Complaint narrative:
A hard inquiry was done on my credit report between XX/XX/year> and XX/XX/year> without my knowledge and consent to One Main Financial. Someone is using my personal information to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: LA

Complaint narrative:
On XX/XX/2024, I submitted/ mailed and a letter to these companies letting them know they were reporting inaccuracies/inaccurate information concerning late payments, I also requested validation of the late payments, and how they verified these late payments, over the past the past year I have made subsequent attempts to have these late payments reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2024-05-04 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: LA

Complaint narrative:
On XX/XX/2024, I submitted/ mailed and a letter to these companies letting them know they were reporting inaccuracies/inaccurate information concerning late payments, I also requested validation of the late payments, and how they verified these late payments, over the past the past year I have made subsequent attempts to have these late payments reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian claims that by creating an account a user has ability to Freeze or UnFreeze their credit report inquiries for FREE. However, as a long time paying customer, they recently increased my membership and listed top of the list, that if I downgrade to Basic Free membership, I would loose this : Experian XXXXXXXX XXXX XXXX credit file will be unlocked, leaving you more vulnerable to fraud. 

That is FALSE misleading information or their other page listing that Freeze/UnFreeze is FREE is FALSE misleading. https : //www.experian.com/freeze/center.html Of the 3 credit controlling companies, XXXX, XXXX and Experian, Experian is the ONLY account that appears to mislead customers into thinking they may have to pay for this basic free service. 

See this page as well is then Misleading vs. the XXXX Here : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: MN

Complaint narrative:
I am writing to formally request the immediate removal of several credit inquiries and one fraudulent account from my credit report. I did not authorize these inquiries or the opening of the account listed below, and I assert that their presence is adversely affecting my credit score. 

Fraudulent Account : XXXXs Date Opened : XX/XX/XXXX Unauthorized Credit Inquiries : XXXX. XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX ( Retailer ) XXXX. XXXX XXXX - XXXX XXXX, XXXX ( Finance ) XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX ( Bank ) XXXX. XXXX XXXX XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX XX/XX/XXXX ( Finance ) XXXX. XXXX XXXX Bank - XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX Bank XXXX. - XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX XXXX via XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX These inquiries and the fraudulent account were made without my knowledge or consent. I insist on their immediate removal to prevent further damage to my credit rating.

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 2024-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
On XX/XX/2023 I submitted a dispute to trans systems, who's trying to collect on a collection debt, that doesn't belong to me and and the debt i.was unaware of this debt until it appeared on my report, i was never given the opportunity to assess or dispute this before it was added and is reporting on my credit file, it has been over 45 days for them to work on my compalint, and they haven't removed this erroneous debt, I thought it was supposed to be 15 days!! Per consumer law 15 USC code 1692 g-validation of debt if you can not prove you notified me of this debt prior to adding this it needs to be REMOVED AS IT IS A VIOLATION OF MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation