vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX, my vehicle was broken into. I did not discover this until XX/XX/2023. I logged on my account that morning and discovered {$500.00} was taken out of my account and I immediately contacted NFCU. As I am making my report to my bank the suspects tried to take out another {$500.00} but the representative was able to stop it. There was nothing the representative could do because the payment had not yet been posted. The representative informed me to wait a few days and call back when the payment was posted. I made report a few days later and was given directives to make a report with FTC. I completed that form. Following up on the process of the claim, I discovered that NFCU representative disputed my entire transaction for XXXX XXXX in the amount to $ XXXX. I never disputed that amount I only dispute The XXXX XXXX of {$160.00} and ATM withdrawal of {$500.00}. A manager assisted with getting the dispute corrected and transferred back to fraud department. I also encourage the manager to listen to all of my calls so there would not be any false information on my behalf because I know what I informed the representative that took the initial report. I have continued to check on the claim to be informed the claim was denied again. I have requested them to do a full investigation by obtaining video footage from the store to prove it was not me. They have failed to notify me of what they have received to investigate the claim. I have submitted the FTC report as well as Police Report. They are still alleging it was me that did this fraudulent transaction. It was not me. I had to start completely over by obtaining a new social security card and DL ( I have proof if need receipts ). My other banking was affected as well and not just NFCU. I have went to both store ( The XXXX XXXX and XXXX XXXX ) and they both indicated they do not keep video footage over 30 days. There is no way I could get any footage and I have been trying to get this issue resolved by doing my due diligence and turn in anything that will support my claim. Asking NFCU follow up questions of what need to be done. Little to no response. The only thing they have related is they are using information I have submitted and not telling me the facts. This has been very much frustrating because I can not express enough this fraud transaction was not me. They will not even speak to me they will relay messages through third party. I need this issue resolved. This has caused me a lot of stress and issues. I am very hurt that NFCU would allege I did this transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In XX/XX/2022, I contacted Kohls in regards to my store card after I became chronically ill. I was out of work for a prolonged period of time, and needed assistance with making my payments. After explaining this to the Kohls customer service representative, she explained that I could take part in a financial relief program that they offered. She told me that I would pay about $ XXXX while on the program, and that my card would be frozen until I paid off the balance. I asked her if my Kohls card would be closed, because I did not want to close it. She said that the card would not be closed, and that it would only be frozen. I agreed to join the program because I was told my card would not be closed. A few weeks after this phone call, I received a letter in the mail stating that my account was closed because of my enrollment into the program. I called Kohls back, and asked them why my account was closed. The agent informed me that the closure of the account was one of the terms of the agreement. I went back and forth with Kohls for a few weeks about this, and they eventually listened to the call in which the agent enrolled me into the program. They told me that they heard her tell me that they account would remain open, but there is nothing they could do since it had already been closed. The closure of this account caused my credit score to drop over XXXX points. This account was my second oldest account on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the listing of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX ) XXXX XXXX XXXX ( debt collection ), I have a right to privacy. 15 U.S.C 1681 section 602 A Section 2 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime closed my account for no reason, with no warning, withholding {$10000.00} of my money, and failing to provide my XXXX  Tax forms after repeated requests. They committed in writing to mail paper copies of my XXXX tax forms to my home address no later than XXXX, and stated in writing that if I did not receive the forms to reach back. I have reached back and they refuse to provide the forms stating that my account was closed for a policy violation - which they refuse to explain stating it is against policy to tell customers why an account has been canceled. This company is atrocious, steals money, does not abide by the law in issuing required tax forms, and has absolutely no empathy for the pain, suffering, and XXXX caused by withholding money and documents from customers. They give you the run-around, make you feel like a criminal, and will only escalate if you give them the name of the person to escalate too - because they know that customers do not know the names of their workforce. I have spent 10 's of hours on the phone, replying to emails, rounding up countless documents, just to continue to get form response letters and no action. I do not know how to get my tax documents and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: NY

Complaint narrative:
car dealership only post to run my credit once. 

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 2023-03-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
car dealership only post to run my credit once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
They are still choosing not to fix credit concepts so I'm filling a claim against all three agency the are fraudulent ignoring dispute they don't get 30 days it been a year of disputing how are you guys suing company 's but my complaint your not really assisting with.and XXXX XXXX XXXX child support needs to be removed and both XXXX XXXX sent email said there not removing it these agency are fraud and you guys keep letting do what ever.where is the file and applications of my signature.they don't have to provided cause they don't want to seems like they need an audit.how do I know alidated the debt if there refusing to send application. Late payments there is none how long does it take agency to fix errors a whole year.i will contact attorney state general .if this is not fixed and XXXX days they had a year so XXXX days and I need fees for each violation they ignored my invoice

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 2023-03-01 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: WA

Complaint narrative:
They are still choosing not to fix credit concepts so I'm filling a claim against all three agency the are fraudulent ignoring dispute they don't get 30 days it been a year of disputing how are you guys suing company 's but my complaint your not really assisting with.and XXXX XXXX XXXX child support needs to be removed and both XXXX XXXX sent email said there not removing it these agency are fraud and you guys keep letting do what ever.where is the file and applications of my signature.they don't have to provided cause they don't want to seems like they need an audit.how do I know alidated the debt if there refusing to send application. Late payments there is none how long does it take agency to fix errors a whole year.i will contact attorney state general .if this is not fixed and XXXX days they had a year so XXXX days and I need fees for each violation they ignored my invoice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Macy credit services have displayed malicious, unethical practices by penalizing myself as a consumer for making an electronic check payment early for the following month. XX/XX/XXXX payment was made on time XX/XX/XXXX. Another payment was made ahead of time on XX/XX/XXXX to credit to XXXX payment. This payment was made because my banking account had been compromised a payment was sent in advance before it was closed out. Macys XXXX XXXX credited the payment for XXXX and began to charge late fees for XXXX, XXXX and XXXX. If the payment made on XX/XX/XXXX was credited to XXXX as I requested and intended this would be solved. I have reached out to XXXX XXXX in XXXX and was placed on hold for 2 hours. In XXXX I reached out again to explain the situation and was left on hold for over an hour until I finally hung up. This is unacceptable & poor customer service. Additionally Macys has reduced my credit limit likely due to the fraudulent claims of late fees now on my credit report. Awful experience. I intend to close my account if this is not resolved and company ceases consumer predatory practices.

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 2023-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX RE : Request of support and mediation with Specialized Loan Servicing to avoid the foreclosure of my home Complaint # XXXX XXXX XXXX, Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom it May Concern : Regarding my Complaint # XXXX, attached, I am sending copies of the Qualified Written Requests I sent to Specialized Loan Servicing and XXXX XXXX XXXX XXXX XXXX XXXX as Indenture Trustee for XXXX, asking for information to verify if the investor and servicer complied with the following rules from XXXX to XXXX : TILA transfer of loan ownership notices. Effective in XXXX, provisions of Regulation Z require that new owners or assignees of mortgage loans inform borrowers of a transfer of loan ownership within thirty days after a loan is sold. 
RESPA notice of transfer of mortgage servicing rights. A transfer of servicing rights for a second mortgage triggers obligations under RESPA for both the transferor servicer and the transferee servicer to provide timely notice to the borrower. 
The TILA periodic statement requirements. 

I requested this information in XX/XX/XXXX, and the servicer did not send it to me because " S.L.S. could not respond to the request within required time limits or respond without incurring a cost. '' I think this information is crucial to my case to demonstrate that the investors deliberately stopped communicating with me because, after the housing crisis in XXXX, my property was underwater. The investors of this second loan were almost sure to obtain nothing if they decided to foreclose. Also, it is essential to mention that this loan was part of an " XXXX XXXX mortgage '' originated by a predatory lender right before the housing crisis. 

I would appreciate it if my case remains open until we receive a satisfactory answer from my XXXX or XXXX. 

Best regards, XXXX XXXX XXXX XXXX XXXX. XXXX VA XXXX Phone number 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 2023-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I had a statement balance with Comenity Wayfair of {$1900.00}. On XX/XX/XXXX I made a payment of {$1900.00} and requested a {$41.00} late fee to be removed since my payment was only 4 days late. In theory, my balance should have been {$17.00}. Since that time, I have not made any purchases from this company. Nevertheless, each month they have been adding an additional {$41.00} plus interest to the amount owed each month since. 
On XX/XX/XXXX, I sent a letter stating that my online statement showed a balance of XXXX due. However, the printed statement sent via USPS indicated a balance of {$210.00}. In response, the merchant sent me a letter instructing me to call their customer service, who refused to help and only wanted to collect the full amount. 
I refuse to pay {$41.00} per month for a balance that should not have been anywhere close to {$210.00}. 
On XX/XX/XXXX I sent another letter to the merchant with the same dispute. This time I received no reply. 
My balance is now on the XX/XX/XXXX statement reported as {$410.00} and I am shown as being over 180 days late with my payments to the three credit bureaus. 
I am unhappy that this merchant is stating I owe {$410.00} despite having paid {$1900.00} of my total balance of {$1900.00}. And have made no additional purchase from them since XX/XX/XXXX. Charging me {$41.00} per month on a small balance is unacceptable and now has caused my credit scores to drop over XXXX points. I am hoping for resolution and the removal of negative reporting to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charges on my credit report related to the following accounts : XXXX XXXX XXXX Charge Off Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX OF XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge OFF Account XXXX XXXX XXXX Bankruptcy XXXX I understand that these accounts have been charged off or sent to collections, but I strongly believe that these charges are not accurate. Furthermore, I would like to point out that I filed for bankruptcy on XXXX, and as such, these accounts should no longer be on my credit report. 

I am emotionally distressed by the negative impact these charges are having on my credit score, and I am kindly requesting that you investigate these charges and remove them from my credit report. I have been working hard to improve my credit and these inaccuracies are hindering my progress. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: CT

Complaint narrative:
Ive asked for years how much I was charged for my sons tuition to XXXX was. They will never give me that information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, 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: LEXISNEXIS
State: MO

Complaint narrative:
Lexis Nexis is hereby known as The Company. XXXX XXXX is hereby known as The Consumer. 
The Company has continuously violated The Consumers consumer rights and used stall tactics to prolong its efforts. On 3 separate occasions ; XX/XX/23, XX/XX/23 and XX/XX/23, The Consumer requested copies of his updated consumer reports and Data Privacy Act. 
As of XX/XX/23, The Consumer still has not received a copy of his consumer report. The Company claims to have mailed the correspondence to the consumers address but can not confirm any proof of mailing. The Company also responded to the previous CFPB COMPLAINT ID XXXX with an un-clickable pdf file on XX/XX/23. The CFPB was notified by The Consumer about the un-clickable link by phone and was able to read the complaint response and confirm that the disputed information had not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo Mortgage has not reported data to XXXX since XX/XX/XXXX and as of XX/XX/XXXX the mortgage now shows closed. The mortgage is open, still with Wells Fargo, it has not transferred to another lender and has been paid and in good standing since ownership of the primary residence. I have filed multiple disputes with XXXX as well as reached out to Wells Fargo Mortgage. At this point my credit score is being affected. As of now Wells Fargo shows no data reported to XXXX XXXX XXXX and XXXX XXXX. The account status is incorrect as this account is open ( it also shows open in XXXX and XXXX ) and the total mortgage balance is incorrect.

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