vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My Direct Consolidation Loan was completed ( originated ) on XX/XX/XXXX with a current balance of {$15000.00} with Nelnet. 
Department of Education XXXX XXXX XXXX XXXX, OR XXXX Outstanding Loan Balance Interest/Rate 1. DLSS Repayment {$2600.00} 4.66 % 2. DLSU Repayment {$4100.00} 4.66 % 3. DLCS Repayment {$3400.00} 5.50 % 4. DLCS Repayment {$4900.00} 5.50 % 5. DLSS Repayment {$440.00} 4.66 % XX/XX/XXXX I made a payment for {$3000.00} XX/XX/XXXX I made a payment for {$11000.00} XX/XX/XXXX I made a payment for {$640.00} XX/XX/XXXX I made a payment for {$110.00} XX/XX/XXXX I made a payment for {$440.00} XX/XX/XXXX I made a payment for {$200.00} XX/XX/XXXX I made a payment for {$740.00} Totaling {$16000.00} these payments I made covers the total outstanding loan amount. Also there was a school closure and I was approved for a refund of all payments made. On my credit report the balance is showing {$13000.00}. Previously it was set at over {$6000.00} this is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 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

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 2023-08-26 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received a notice from my XXXX Credit Card account that an inquiry had been initiated by Bank of America on XX/XX/XXXX. This was done without my knowledge or consent and was done without any action on my part that would justify a credit inquiry. 
I sent them a letter on XX/XX/XXXX ( attached ) requesting information. I also sent them a copy of the notice I received from XXXX ( also attached ). 
My XXXX score is over 800 and I jealously guard that.

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 2023-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Yesterday, XX/XX/2023, I received an email from my mortgage holder, Mr. Cooper, stating that I was automatically enrolled in a new program, XXXX, that provides financial advisory services. The email stated : " We've teamed up with XXXX to give you access to their powerful, wealth-building tool. With XXXX, you can set financial goals, run equity simulations, and learn how to use your home to build wealth. Its already connected to your Mr. Cooper account. No set-up needed. Just sign in and take it for a spin. We think youll love it. '' I never approved or requested to be enrolled in XXXX. I do not want or approve to have any services attached to my mortgage account. There was no information on the email on how to unenroll or reach XXXX. After a lot of effort, I finally reached a Mr. Cooper customer service rep by phone and explained that I wanted to unenroll from XXXX. She said she had no way to do that after spending some time researching the situation. She said I could do that from my own online account. I went online and established an online account with Mr. Cooper. There was no way identified that I could unenroll from XXXX. I clicked on the XXXX button to see if I could unenroll from there and they indicated my mortgage account was now linked to XXXX. And again there was no way to unenroll from XXXX. I am very concerned that Mr. Cooper added XXXX to my mortgage account without my approval and there is no identifiable way to remove XXXX. I do not approve of any of my mortgage information to be shared with XXXX or 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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.

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 2023-08-26 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: 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.

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 non-monetary relief
Consumer complaint received 2023-08-26 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Credit Bureau Inquiries Inquiry Date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry Date : XX/XX/XXXXXXXX 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 2023-08-26 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: LEXISNEXIS
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.

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 non-monetary relief
Consumer complaint received 2023-08-26 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account TN DEPT OF HUMAN SVCS CS, 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 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

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 2023-08-26 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account TN DEPT OF HUMAN SVCS CS, 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent a letter back in XXXX... XX/XX/XXXX ... and I DID NOT receive a re-investigation as requested. That is a violation of my rights! 

Please have this company RE-INVESTIGATE my accounts because I have reason to believe that they are reporting inaccurately. 

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 non-monetary relief
Consumer complaint received 2023-08-26 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: VA

Complaint narrative:
I sent a letter back in XXXX... XX/XX/XXXX ... and I DID NOT receive a re-investigation as requested. That is a violation of my rights! 

Please have this company RE-INVESTIGATE my accounts because I have reason to believe that they are reporting inaccurately. 

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 explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Westlake Portfolio and US Auto Sales have both overcharged me for gap insurance and have never taken money off of the principal mo ey on my loan. I borrowed {$20000.00} and after over 2 years of XXXX XXXX monthly payments and {$150.00} gap insurance coverage my balance e is still XXXX {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received a credit card that I didnt apply for. I called the company and told them about the issue and I was told that the account has been closed now and they will send closing paperwork and fraud information. We didnt give them any personal information and we were told to contact consumer financial protection bureau . I just want to make sure that this is reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I'm looking to purchase a new home for the first time and I've never looked at my credit before. To look at it and see these fraudulent items was quite disappointing to say the least. According to law 15 U.S.C 1681 there should not be any damages to my report, it's a defamation to my character.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I'm looking to purchase a new home for the first time and I've never looked at my credit before. To look at it and see these fraudulent items was quite disappointing to say the least. According to law 15 U.S.C 1681 there should not be any damages to my report, it's a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Hi! we have tried to resolve this issue with the conmenity bank over a charge with victoria secret account where it seems like they have created 2 accounts for my wife where only one should be active. However, even if the account was used the balanced was paid in full on XX/XX/2023, Payment in the amount of {$150.00} was made then and they told me that the actual late fee of {$30.00} was going to be credited back to the account as a courtesy one time a year. I said thanks and that we needed this account to be close. However, they never closed the account wanting me to call when some one can speak XXXX where it finally occured today XX/XX/2023, we talked to XXXX and XXXX that initially said his name was XXXX? here in this call, we rephrased the same XX/XX/XXXX chapter about the full payment applying to account one day late and that such late fee in accordance with the operator in the call, was suppossely be dropped, this last thing never ocurred and they keep on accruing late fee charges on the account that it no in use and that we ask and ask to close it. They are sustaining that such credit must be approved before they can apply the credit but it was preciously approved and now they are dennying it! I have talked to XXXX, and other several customer service people where no one seems to be able to help in resolving such confussion? we do not want this account open! we have other account with a Master card on same victoria secret that we are using and as a result of this misunderstanding, we want nothing to do with victoria secret. they sustained off course after the payment has gone thruogh that now they can not credit the late fee back and another month has gone through where now they have put the account to {$62.00} all in late fees base on a late fee that they never removed, Now! how can we allow this company to froce us to pay what we do not owe them? we never make a partial payment we make full payments everytime. Victoria Secret Conmenity Bank regular credit card. Note : They said that they will continuo to accrue late fees on it and that they are not seing such credit back in XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXXXXXX XXXX reporting immediately remove or block XXXX XXXXXXXX XXXXXXXX reporting immediately on the credit reports all charges was done fraudently and illegally and XXXX  police report XXXX. They can cal XXXX for the financial fraud division.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: DC

Complaint narrative:
XXXX XXXXXXXX XXXX reporting immediately remove or block XXXX XXXXXXXX XXXX reporting immediately on the credit reports all charges was done fraudently and illegally and XXXX  police report XXXX. They can cal XXXX for the financial fraud division.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX 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 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

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 2023-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
I used Remitly and TapTap Send app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: FL

Complaint narrative:
My spouse is an XXXX XXXX XXXX XXXX, and I am in the process of seeking a reduction in the interest rates on my student loan. This loan was obtained prior to his enlistment in the XXXX XXXX. However, Sallie Mae is unwilling to cooperate, citing that my spouse is not the co-signer. According to legal regulations, spouses are protected under the Servicemembers Civil Relief Act ( SCRA ), which extends these protections irrespective of co-signer status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation