vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: WV

Complaint narrative:
My loan was sold to Servis One/BSI Financial. I have been trying to access their online payment portal for three days on my browser to make my payment. The page never loads.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Linda Strumpf
State: FL

Complaint narrative:
Linda Strumpf is a debt collection attorney who has tried more than once to collect on a credit card that I have never used. I am on social security and each time I sent the exemption form to Ms. Strumpf and the bank after my savings account was frozen. Previously the funds were released. This time after sending the form twice, there was a levy check issued against my account. I am XXXX, alone and have no other source of income. I need this money returned to me. 

ATTACHMENTS Image ( XXXX ) .jpg ( XXXX KB ) Image ( XXXX ) .jpg ( XXXX KB ) Please see the previous complaint XXXX Nothing in Ms Strumpf 's response is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
On XX/XX/XXXX, I applied for a Bank of America Business Checking Account under the following link, which is still active now : XXXX  : XXXX. The terms of this deal are the same as they were then : get {$200.00} for making {$5000.00} in deposits within 30 days of opening the account and maintaining that balance for the next 60 days. The bonus would be made within 60 days from the end of the qualifying period. 

On XX/XX/XXXX, my account was approved. ( Day 1 ) On XX/XX/XXXX, I deposited {$5000.00} from an outside bank in the account. ( Day 29 ) I have kept the {$5000.00} in there since to get the bonus and avoid the monthly fees. I should have received the bonus by XX/XX/XXXX ( Day 150 ). I called the representatives at the bank and they were unsure of the bonus and in general not knowledgeable about the products that they offered and kept forwarding me to other people who were not helpful. 

I am asking the CFPB in help in getting me the {$200.00} bonus. 

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 2023-10-25 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: TX

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I opened a checkings and savings account with USAA in early XXXX. On XX/XX/XXXX, they sent me a welcome letter, and it had trouble getting to my XXXX XXXX XXXX XXXX XXXX The gentleman in charge of my dorm had me change the format of my address slightly, but it was nearly identical to the previous address. About a week later on XXXX XXXX USAA locked my account. I wasn't sure why, so I called, and they told me they were experiencing technical difficulties and I should wait a week. When I called again, I had to talk to 2 or 3 people before anyone was able to figure out the source of the problem. They told me that USAA was exercising its right to no longer do business with me, and they were closing my account. Their reason for this was that they thought someone had broken into my account. I called the fraud department, and the guy I talked to said it was change of address. I read off the old and new addresses I had, and he said the current one was neither of those, and I had to provide proof of identity to access the new address. I went through the process and talked to a lady who told me the current address was the same as what I had changed it to. I'm not sure then why the fraud guy saw a new address. I was told the escheatment process was being conducted and they would send me a check 30 business days from the close of the account, around XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter saying they were still conducting the process and I could reach out with any questions. I have reached out to him a few times, but he never answers, even if I try all times of the day. He never returns calls even if I leave voicemails. I called again on XXXX XXXX 1 month after I was supposed to receive the check, and I got the same response. I talked to multiple people and was on hold for very long periods of time, and everyone kept saying they had no idea when the check would be sent because USAA is still investigating. They acted like the process would be timely when I talked to them earlier, so I am not sure what is taking so long. There seems to be no resolution to the issue, and I would like access to my money instead of it being locked up in USAA 's hands. The lack of transparency and constant " you're not my problem '' attitude is very troubling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Credit Report is showing an hard inquiry for XXXX XXXXXXXX XXXX on XX/XX/2023 that I didnt do.

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 2023-10-25 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: AZ

Complaint narrative:
I took out a loan with Lendmark Financial. Due to financial hardship, I was not able to make payments. I reached out to XXXX XXXX XXXX and enrolled in their program. I was told by an employee at Lendmark that they do not work with XXXX XXXX XXXX, that if I could not make payments on the loan that I would be taken to court. XXXX XXXX XXXX said that what Lendmark is telling me is false, that they do work with this company to settle debts. When I reviewed my file on XXXX XXXX website, Lendmark is listed as an account they are working to resolve. I was advised by XXXX XXXX XXXX to advise them to stop calling me or they would be reported to the FTC. Lendmark is continuing to bill me and have now resorted to trying to contact me at my place of employment. They have not offered to negotiate. I have insurance on this loan but payments are waived only under conditions of unemployment. I have been lied to and harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: CO

Complaint narrative:
I am writing to complain to EQUIFAX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX  XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
XX/XX/2023 - I spoke with my account manager, XXXX XXXX, regarding income and expenses. He seemed shocked at the amount that my wife and I spend on groceries in a month and after reviewing my finances, he asked me if I would be willing to " cut back '' my expenses or if I had a wealthy relative who would be willing to help out with expenses. His tone was judgmental and condescending. I have no control over the fact that my monthly expenses have increased substantially with the massive increase in inflation and corporate greed. I asked to speak with another representative and was placed on hold. 

XX/XX/2023 - I received a notification from my sister in law that XXXX attempted to contact her as well as her father. I have spoken to her father maybe 5 times in my entire life, so for Sallie Mae to call him in an attempt to reach me seems like a breach of my privacy. 

XX/XX/2023 - I called Sallie Mae again and spoke with XXXX XXXX. She informed that there would be repayment plans available, but because my debt to income ratio is too high, they can not approve a plan until I am able to show that I can repay the debt. I thought the purpose of a repayment plan was to repay the debt. They would not give me any further information about repayment plans unless I was able to show them that I would somehow have additional income or would lower my expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The interest rate changes were not explained to us at closing. I had no idea the rates could change on a 2nd mortgage. We are paying $ 350 monthly in interest.

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 2023-10-25 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: SC

Complaint narrative:
I have tried to finance several Things such as cars and loans and i keep gerring deined to the fraudulent activities on my credit report The Fpllowing Accounts are unlawful and have been reported without mt consent 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 I Am Requesting ALL OF THESE ITEMS BE EXCLUDED OFF OF MY CREDIT REPORT WITH MONETARY RELEIF FOR THE VIOLATION OF MY RIGHTS and the VIOLATION OF THE FOLLOWING USC CODES : 15 USC 1681 ( a ) ( 2 ) Exclusions 15 U.S Code 1692 ( I have the Right to Privacy ) 15 USC 1692 ( a ) ( c ) a debt collector must have my consent to report and according to FCRA and the FDCPA and for violation according to 15 USC 1681 ( i ) i am entilted to monetary compensarion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
On XXXX I entered into a contract to buy a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

- Seller assigned the contract to Hyundai motor finance to facilitate the purchase. 

- The contract is in violation of the truth in lending act as it is missing important disclosures. 

- There has been a breach in contract as a result of the violations under TILA, Fair Credit Billing Act and state 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 explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This is the second time I have reported this type theft to Bank of America. Someone I think has been using my personal information ( fraudulently obtain ) to either open or obtain personal accounts at Bank to America. I did reported the first incident them back in the summer they told me they would do something about it. But I think nothing was never really done. Two days ago on XX/XX/23, I received another email regarding an " Investment Account '' which is actually called, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I called Bank America spoke a customer service representative, she told me they would put another block or alert again just in case something like this arises. I was advised to report this to reportfraudt.ftc.gov. Please advice! or investigate.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to report a serious error in my Experian consumer report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under the United States Code, Title 15, Section 1681i. The error pertains to multiple accounts from XXXX incorrectly showing unpaid balances on my credit report. I am seeking your assistance in rectifying this issue promptly. 

Details of the Discrepancy : 1 ) Credit Reporting Agency : Experian 2 ) Incorrect Information : There are eight XXXX accounts currently reported as unpaid on my consumer report. However, these accounts have been legally discharged, and the balance is {$0.00}. The inaccurate reporting is in direct violation of the FCRA. 
Relevant US Code : Fair Credit Reporting Act, United States Code, Title 15, Section 1681i - Procedures for Correcting Mistakes on Credit Reports. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene and investigate this matter thoroughly. The inaccurate reporting by Experian has severe implications on my creditworthiness, potentially affecting my ability to secure loans, housing, or employment. According to the FCRA, I am entitled to a free copy of my credit report, which I have already obtained and reviewed, confirming these discrepancies.

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 2023-10-25 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo close my account after 2 weeks be cause of a mobile deposit they claim was an altered check it was a STATE CHILD SUPPORT CHECK that I set up for. I took the check to cash at the bank it came. From the deposit cash with they lost then found all While having my account suspended the entire ordeal was not professional and lead me in to financial distress

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 2023-10-25 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-25 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a payment on XX/XX/2023 that was due on XX/XX/XXXX. Right now my account shows passed due payment and requests doh or payment. I have called many times but their system is down and agents keep hanging up on me without any information. This is unacceptable.

Company response to consumer: Closed with explanation