vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been trying to dispute this derogatory off my credit for months. I have sent in 4 disputes and nothing has been resolved. I have sent in proof that i myself am the one submitting the request to have the derogatory removed. I have filled for a full file disclosure and never received it.

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 2023-03-07 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: RI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I have sent a letter to WILLIAMS & FUDGE INC in XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. To date I have not received a response. This collection account is negatively impacting my credit that I am trying extremely hard to upkeep for my future and my children. 
The company responded here via a cfpb complaint attaching copies of bill statements that do not validate the debt, in addition they have not placed a notice of dispute on my credit report account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH

Complaint narrative:
I have applied for state and federal government programs designed to provide relief, however, I can not have not been able to access this because of Carringtons refusal to cooperate with the guidelines. Last year they would not accept the written release to communicate with Homeowner Assistance Fund they referred me to because of the governments forcing them to disclose this assistance is available, yet they will not provide the program with the information to provide relief. 
On XX/XX/2023, XXXX XXXX, the case manager from the Homeowners Assistance Fund requested information from Carrington and was told they would send the information by the end of that week. This is 3 weeks ago. Furthermore, the information has been requested on numerous occasions and has not been sent. Carrington instead wants to force upon me a modification as my only option that not only will significantly increase my monthly payment, imposing a much higher interest rate as well as restarting the 30 years. 
Can you please help me get Carrington to provide the Homeowner Assistance Fund with the information needed to get up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On or around XX/XX/2023 I became aware that my account was frozen do to my card being denied. I called and learned that my account was frozen. The bank did not give a reason, they just told me that someone from associated bank would reach out to me. 
On XX/XX/2023 XXXX XXXX from associated bank reached out just to tell me that my account is being closed and all my funds are now gone and is no longer my money due to an endorsed check that was reported fraudulent. I asked how and why did the bank determine it to be fraudulent, she said that the endorser reached out through a phone call and said that she did not endorse the check. 
I said since associated bank obviously sided with a non client if there was any paper trail showing how associated bank determined their decision, I was told that I was not privileged to anything beside a notice that will be sent out telling me my account is closed. I asked could I be issued any policy that associated bank should have in place telling me my rights in this matter, i was told I was not privileged to any documents explaining anything.

Associated Bank closed my account and took a large sum based off a phone call from a non law enforcement, there is no criminal charges, there is no decision from a judge.

Associated Bank never reached out to me telling me anything, not one email, no one called me for a statement informing me of anything, I'm just told that a non law enforcement called and said fraud! 
The only contact that was made by this bank was them telling me that my account is closing and they are taking my money {$46000.00} and for me to get it back XXXX XXXX told me I have to reach out to the person that reported the fraud. 
Associated bank told me I have no rights, even though for me to become a client I sign into rights.

They have now taken my hard earn money based off a phone call from a non law enforcement and refuse to release anything in writing to me or any existing policy on such a matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/23 I was offered 30 % off my first order to apply for a card at XXXX XXXX XXXX XXXXXXXX. I made the application and nothing happened. No denial, no approval and no 30 % came off the total. I called the company and told them to cancel the order and to cancel my credit card application. Today I got a text saying I was behind on my payment. I called the number and they said they couldn't help me that they were comenity bank and I needed to call the store. I called the store and they said I needed to call the bank. This went on for a few hours and now I'm here. I never got the merchandise, I never got the card or the statement and I never got the 30 % off the order they say I received. No one there can help me and I have no info to give you because as far as I know I have no account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07 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: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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 # XXXXXXXX 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 2023-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2021 I was shopping for a vehicle for my business and the dealer pull more than one hard inquiry on my report. My credit report was misused without my permission. I was under the assumption that only one hard inquiry would be used for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I was shopping for a vehicle for my business and the dealer pull more than one hard inquiry on my report. My credit report was misused without my permission. I was under the assumption that only one hard inquiry would be used for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please view attachment below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please view attachment below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please view attachment below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello CFPB team, I requested a copy of my credit report and asked the credit bureaus to do verification on everything in my report. The credit bureaus did the verification and said that everything was accurate. 

However, I did thorough research myself and I still see the inaccuracies on my credit report even after they did that research and verification. There are so many things that are wrong including the date opened on each account. Each date is different on each bureau! This is just one issue. You will see that there are several other inaccuracies. Please remove these accounts from my report. 

Please can you explain why these bureaus are being allowed to report these inaccuracies and the CFPB just keeps closing my complaints without looking at the incorrect items on my credit report? 

I looked up the Fair Credit Reporting Act and according to the FCRA I feel that the following companies have all violated my rights : XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX I have rights and here are the FCRA regulations : 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 : States a consumer reporting agency can not furnish an account without my written instructions. 

I am asking you to please review these four accounts and you will see that what I am saying is true. Please help me with this and enforce the law and investigate my complaint. The bureaus keep repeating the same response ; that they have checked and its correct. If they had checked they would see the discrepancies. It is just plain wrong information that they have been reporting. 

I need your help! Please enforce the law!

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 2023-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Firstmark Services manages the servicing of one of my student loans. I have monthly automatic payments set up which covers the standard monthly principal, interest, and any fees. Over the last several years I have been making extra payments over time in order to pay down the loan faster. Upon discovering that these extra payments have been applied as a " regular payment '' instead of extra payments towards the principal balance, I called the customer service department and requested that they make a correction and apply the extra payments as payments towards the principal. I was told that I can not do that and that all the extra payments have been appropriately applied ... as a " regular payment ''. 

Prior complaint 's response from the company failed to include a proper attachment. Please respond directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a Sams Club credit card through Sychrony Bank and had never used it. It had a {$2500.00} credit limit. I did not notice that I had a payment due of {$31.00}. I assumed this might be for a yearly fee. So, I got online and made the payment. Only to realize after the payment, it said I still owed over {$100.00} still. I called the credit card company and was informed that the charge was for a yearly membership to Sams Club, and was sent to XXXX Indiana, Sams Club. I told them my account was not due at that time and I have been living in Florida for the past few years and my Sams Club was located in XXXX XXXX now. I told them I had paid my yearly membership in store and on my debit card. I was told to send a fax to them to prove this and this would be handled. I did do this, but with no resolution. They said they never received it, I told them I had called the XXXX location and there was never any money sent to them in my behalf. I told them to call the store and work it out. This was and has never been done by Sychrony Bank. I resent the fax a second time to them and still nothing. I have talked to managers and they say they will look into it, but never do. I still get text, emails and phone calls constantly. So here I am filing this complaint with you. I would have paid, if I had used the card and actually charged something, but it is the principle that I stand by. I refuse to be bullied by a large company for something I never charged. They have caused harm to my credit rating. Need some assistance. 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 monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act USDOEXXXX  account # XXXX, USDOE/XXXX account # XXXX, DEPTEDXXXX account # XXXX, XXXX XXXX XXXX account # 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

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On Friday, XX/XX/XXXX, I opened a dispute against the XXXX Department of Education because they sent a letter stating my student loans were XXXX. Yesterday, Monday, XX/XX/XXXX, I received an email from Experian that my dispute was verified, and the creditor verified the information as accurate. There is no absolute way that my dispute was verified over the weekend if it was filed after hours on a Friday. I also submitted proof ( a letter sent to me from the XXXX Department XXXX XXXX XXXX, and a representative from Experian stated that the letter was not used to verify my dispute. This confirms Experian is not lawfully verifying disputes and illegally denying claims.

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