vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
we have a will and trust of parents which was all good originally then this past year we need to talk to them about XXXX $ i had sent for taxes. they made us send everything again and said it was good. when i found it hard to make payments called multiple times and they say we didnt do somthing right and they wont talk to us. on XXXX they were supposed to mail a packet of intent? but never did then on the XXXX filed papers at county appointing someone as trustee on account. never giving us opportunity to make arrangments on mortgage. then i contacted a realator to sell and im informed its up for auction. they still refuse to speak to us. I have faxes dated and names of them having all needed info in regaurds to speaking to us yet they wont. we are now just trying to pay whats owed and even payoff this mortgage and they refuse to talk to us at all nor will they tell us what we need to do. so how is one supposed to handle things when they wontg speak to any of us and refuse to acknowledge executorship of my sister when it was clearly filed with them through loan process but now us sending same thing isnt valid? its all not right and yes we got behind but only trying to right it and they have withheld evrything or option from us up to and including the auction of our parents property

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 2024-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been fighting XXXX XXXX XXXX for a credit card that does not belong to me I have disputed through the credit bureau many times to no avail it has impacted my credit seriously I want this matter resolved I have never had a credit card with 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 non-monetary relief
Consumer complaint received 2024-07-11 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: CA

Complaint narrative:
I have been fighting XXXX XXXX XXXX for a credit card that does not belong to me I have disputed through the credit bureau many times to no avail it has impacted my credit seriously I want this matter resolved I have never had a credit card with XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always pay on time. I know this for sure. I don't understand why this company says I'm late some months. According to USC 1666b, billing errors must be fixed and shown as paid on time.

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 2024-07-11 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: IL

Complaint narrative:
I just recently look at my credit report XXXX XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence 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 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 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 XXXXXX/XX/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 2024-07-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to address a persistent issue regarding fraudulent items on my credit report, which remain unresolved despite previous attempts to rectify them. Despite my previous disputes and documentation submitted, these fraudulent entries persist on my credit report, causing significant harm to my financial standing. I have adhered to the proper procedures outlined in the Fair Credit Reporting Act in my previous attempts to rectify this issue. I kindly request that you conduct a thorough investigation and provide me with a written response detailing the results of your investigation, along with the actions taken to rectify my credit report, within 30 days of your receipt of this complaint. I also request that the credit bureau furnish a written statement outlining measures taken to prevent the recurrence of such fraudulent items in the future. This is vital to safeguard my credit and ensure that others do not encounter similar difficulties. I am willing to cooperate fully and provide any additional information or evidence required during the investigation process. I am asking for your assistance to remove the following fraud items : 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 non-monetary relief
Consumer complaint received 2024-07-11 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: CA

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: IL

Complaint narrative:
This complaint is based on incomplete information regarding my loans. 

I received a letter from Discover Student Loans dated XX/XX/XXXX ( see attachment ) which indicated I was being compensated because Discover Student Loans was taking action in accordance with the terms of a consent order issued in XXXX by the Consumer Financial Protection Bureau ( CFPB ). Discover Student Loans indicated they could not confirm authorization was obtained for one or more payments withdrawn or attempted to be withdrawn from my bank account. The letter provided my customer number, but did not indicate which account or accounts correlated with the compensation. The letter did not indicate what criteria was used to determine the compensation amount, and did not indicate the dates they determined they could not confirm authorization was obtained. My compensation was in the amount of {$740.00} with an additional credit of {$25.00}. 

On XX/XX/XXXX I spoke with XXXX who explained the initial impact was in XXXX, relating to one name making payments for another person. This made sense as I am a co-signor on loans for each of two sons, and some payments were made through my checking account. We were able to make an educated guess as to which account was affected, but the Discover Student Loan representative could not say for certain. There was no information available as to the criteria used or dates identified to determine the compensation amount. 

The check provided was noted with please deposit check immediately upon receipt. To me that reads as dont ask any questions, just accept that we have compensated you correctly. I would like to know how the compensation amount was determined, so I can verify that I was compensated appropriately per Discover Student Loans consent order agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, at the Wells Fargo branch in XXXX XXXX ( XXXX XXXX ), I wanted to transfer money from my account to another account. I was subjected to XXXX harassment by one of the employees, XXXX XXXX, who told me that she couldn't process my transaction and that I should go to another employee. Her behavior towards me changed the moment she saw that my name was " XXXX. '' I believe her refusal to provide me with service was based on XXXXXXXX XXXX  and my XXXX XXXXXXXX. Subsequently, another employee, assigned by branch manager XXXX XXXX, completed my transaction. I want to complaint since it is obvious that Wells Fargo considers a customer 's XXXX, XXXX, and XXXX when providing service.

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 2024-07-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
My mortgage is a reverse mortgage. The company is PHH Mortgage. All of a sudden, they decided that I had not paid my insurance. So, they got an insurance policy and charged me for it. My insurance company had renewed my policy on XX/XX/year>, as they have every year that I have had the mortgage. I had to have the insurance send copies more than once, but they didn't accept it until they say that it was not in a timely manner, and I was in default, so they sent an assessor to assessor the property. Then they decided I had not paid my taxes. I had to send them multiple times before they accepted it. Now they want me to pay the assessor because they say I was in default which I was not. It was their screw up. I did reverse mortgage so I could retire and take care of my XXXX husband. I don't have the extra money. We just had the house sided and a new roof because of XXXX XXXX. I have copies of my payments to both and a copy of the first time the insurance policy was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: VA

Complaint narrative:
I am writing to formally dispute the presence of an unfamiliar account on my consumer credit report. The account in question is being reported by XXXX XXXX XXXX. Despite repeated requests to TransUnion, XXXX and XXXX to investigate this matter over the past seven months, no resolution has been reached. 

I have no prior or current legal business relationship with XXXX XXXX XXXX, nor have I ever entered into any contractual agreement with them. Despite my requests, XXXX XXXX XXXX has failed to provide a physical contract bearing my legal signature to substantiate their claim of funds owed. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ), I am afforded federal protection as a consumer, which includes the right to privacy and accuracy in the information reported about me. The failure to grant me these rights constitutes a direct violation of the aforementioned statute and its subsections. 

Therefore, I demand that the account reported by XXXX XXXX XXXX be promptly removed from my credit profile. I expect immediate action to rectify this matter and to receive confirmation of the removal of this erroneous account. 

Please provide me with written confirmation of the steps taken to address this dispute and the final resolution thereof.

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 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was at my first day of work at a XXXX XXXX XXXX XXXXXXXXXXXX where at XXXX i got a phone call of a man who named himself XXXX XXXX made me believe he was my boss. He asked me to help by sending the shipment company of our utilities money because it was about to be canceled due to a payment information being put in wrong. As it was my first day at the front desk I did what i thought was helping when i come to find out after asking my manager that no one by the name XXXX XXXX works at the company. i immediately called my credit card company, XXXX XXXX, and asked them to dispute it but the person on the phone told me to wait until it was processed so it can be disputed. i did exactly that and now im getting repercussions for not canceling earlier when i tried to and i was told there was no way to. they put the amount of {$1000.00} back on my account on XXXX XXXX and I had to file another claim to try to get them to dispute it and look into it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : JPMCB CARD SERVICES # XXXX XXXX XXXX XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: IL

Complaint narrative:
I'm seeking your help to address this false account appearing on my credit report. It has negatively impacted my reputation, and I need your intervention.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I always pay on time. I know this for sure. I don't understand why this company says I'm late some months. According to USC 1666b, billing errors must be fixed and shown as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: GA

Complaint narrative:
I checked my credit report this evening and was shocked that there are unauthorized inquiries on my credit report. I don't know why they're appearing on my report so please check the documents I've sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-11 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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
Consumer complaint received 2024-07-11 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: Experian Information Solutions 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I requested information from when I opened this XXXX XXXXXXXX account but it has been over 30 days and I have no gotten any word on this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I requested a School Misconduct discharge for my private loans from Navient from The XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. They denied my request of a discharge even though my federal loans have already been discharged due to a court approved ruling that my school was involved in misconduct. Navient 's denial response was vague and read : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ''

Company response to consumer: Closed with explanation