vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX ( Original Creditor : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Early in 2022, I noticed an issue on my XXXX credit report. This issue was a mixed file between me and my sibling. The mixed file resulted in XXXX of their accounts appearing on my credit report and mixed up personal information. I began by filing a credit report dispute to XXXX to rectify the issue and received a response on XX/XX/ 2022. This resulted in the personal information being corrected but none of the 3 accounts being removed from my report. After calling the banks associated with these accounts, 2 of the accounts were promptly removed from my credit report. For over 6 months, I have been repeatedly calling the final bank : the Apple Card by Goldman Sachs, regarding this issue. I have called them and explained the mixed file issue and the report dispute that I have already filed with XXXX. This was done at least XXXX times. I have also called the Apple Card by Goldman Sachs line with my sibling on the line to have us both explain the situation. This was also done multiple times. Each call ended with assurance that someone from XXXX will reach out within 4 weeks to rectify the issue and that a dispute would be made to correct it. No tracking information was provided, no response has been given in over 6 months and the account is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
On numerous occasions since I have had these cards with XXXX XXXX XXXX, my payments have not been received. They have charged me multiple fees for either late payments, returned payments, or over the limit. The first time it happened I was told to check with my bank because they were rejecting payments. My bank said they never received a request for payments. I switched the bank and bank account that the payments would come out of, and the exact same thing happened. This has happened repeatedly for months. I have incurred so many fees from the company that I now can't afford to pay the cards off as I planned. On top of that they have charged what they call a membership fee of an extra {$100.00} that has pushed each account over the limit and now is showing on my credit as continuous late payments and over the limit. This has affected my credit report and has kept me from being able to buy a home. I have called this company and spoke with numerous people who are either extremely rude & threatening or unhelpful. This company calls my phone multiple times a day leaving messages every time. They even start calling as early as XXXX XXXX and as late as XXXXXXXX XXXX even on Sundays. They are also sending me texts and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: VA

Complaint narrative:
I started a deferment on a mortgage with XXXX XXXX in XXXX of XXXX. I have been furloughed from my job from the beginning of the pandemic until XXXX of XXXX. The accepted the deferment. Once I was ready to get off the deferment I was approve for a modification of payment with the company because I had a VA loan. The moment I completed my 3 payments of XXXX the sold my loan to Midland Mortgage and the problems began. I filled out documents because they said I need to resubmit everything in XXXX of XXXX. In that month they have me denied by the VA to modify my loan. They say I must be current. They say on XX/XX/XXXX midland mortgage says no worries we have all the documents to resubmit your paperwork. They dont. I call back on the XXXX of XXXX. Nobody resubmits. Midland mortgage expresses dont worry we will resubmit, they give me I dont know what happened. I pay XXXX, XXXX and XXXX! And then the say they need to stop taking my payments because they started the foreclosure. I get a letter from the attorney saying you have 10 days to pay XXXX. Midland mortgage can not supply with with record that they resubmitted my request the additional 2 times that they said they would. My credit score is to the point where I can not get a loan for the money nor do I have enough time to apply for assistance. The reviews for Midland Mortgage are mostly just like my complaint.

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 2022-09-19 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: LA

Complaint narrative:
Equifax has been reporting an inaccurate charged off account on my consumer report which has highly affected me from getting a home loan. I'm aware of the recent coding issue with this credit reporting agency as well as the Equifax data breach. According to the Fair Credit Reporting Act all information on a consumer report must be 100 % accurate or else it must be deleted. I want the inaccurate charged off account deleted. It is no way they have verified this account as accurate. How did they verify and who did they talk to according to the Fair Credit Reporting Act? I am holding the credit reporting agency accountable in resolving the issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: NY

Complaint narrative:
As a consumer I have rights under the Fair Credit Reporting Act. XXXX XXXX  has yet to prove to me that they have a legal right to report my personal financial information. 
15 USC CODE 6802 under the Fair Credit Reporting Act states, a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given in writing, or by electronic form or any other form by XXXX XXXX  to grant permission to disclose non-public information to third parties such as the major credit bureaus and other reporting agencies. I was also never given the opportunity by XXXX XXXX  to direct that such information not be disclosed. Furthermore, I was never given an explanation of how I can exercise that nondisclosure option when I first became a customer in XXXX of XXXX I request that the information reported to all major credit bureaus be removed immediately.

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 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Applied for a Chase XXXX XXXX Credit card. Chase says they cant process the application because they cant pull my credit but they did on XX/XX/2022. Ive spent over 3 hours being verified by the branch. No one at Chase will explain what the real issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX Shellpoint Mortgage Services continues to falsely report delinquent payments to all 3 credit bureaus and move forward with foreclosure procedures. Company is incompetent at receiving loan payments and applying the payments to the account. I have XXXX mortgages with the company and they correctly apply the payments to one of the mortgages but continually do not apply payments to the other and leave the funds in a suspended funds account. This is my XXXX complaint through the CFPB and they say they are going to fix the issue but never do. Just received foreclosure documents in the mail again today. The mortgage servicer can not provide an acurate payoff statement. Statements provided to date are filled with incorrect charges and fees from failure to pay but payments are received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My wife and I paid for Equifax XXXX XXXX XXXX XXXX XXXX. 
My wife is now trying to purchase a car. The dealership is able to pull all credit reporting agencies EXCEPT Equifax. We are about to lose a {$3000.00} deposit on a high end vehicle because the Equifax report shows blanks. 

We have spent all day calling Equifax trying to find or fix this error. Every time we log into the Equifax online portal, we get a message that says there is an error and to call Equifax with error code " XXXX ''. We have done this around 10 times today with no results. Now, we are being told to fax copies of her Drivers License and Social security card to some " XXXX '' Number. Equifax wants to argue that there is something locked on my wife 's credit report, but XXXX and XXXX have no such issues. Equifax maintains my wife 's credit report is unlocked, but NO ONE can access it. They are also unable to address any issues or questions with my wife directly over the phone - after confirming her identity each and every single time. 

We content Equifax has a defective product and should be liable for lose of the {$3000.00} deposit against this vehicle, should that occur. At the very least, they should refund all fees paid for this service as being a defective product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been a victim of Identity Theft and Fraud namely XXXX XXXX XXXX, XXXX XXXX Breach, and XXXX  XXXX Data Breach. 
Fraudsters have somehow accessed my information through these data breaches and have left behind hard inquiries on my credit report as a result of Opening Fraudulent accounts with my information. 

I have sent an Identity Theft Victims Assistance Affidavit - to TransUnion containing the following inquiries which must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is the tracking number of the mail which was not responded to. 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 2022-09-19 00:00:00
Product: Credit card or prepaid 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: Atlanticus Services Corporation
State: NC

Complaint narrative:
Refer to case # : XXXX. This has NOT been resolved. Against my better judgement I made payment ... what choice do I have? credit is taken a hit thanks to this infuriating company. Again NO RESOLUTION HAS BEEN OFFERED OR ATTEMPTED other than form emails I have been receiving from the beginning. I have explained the situation MULTIPLE TIMES Even attached screen shots also describing this issue in complete detail each time. How is there to be a resolution if the company responds to my emails each time as if it was the first time I've reached out/explained this situation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I travel alot and i'm not always around most of the time. I have not had any issues with Citi bank since i have been a user since XXXX. I have always paid on time. I decided to check all my credit card accounts online on XX/XX/XXXX and i noticed my Citi XXXX XXXX XXXX XXXX XXXX has been used aggressively and most of the charges where made by someone else apart from me or my authorized users who had access to one of me and my authorized user cards. We personally only made few charges and the rest is not our doing. I made this clear to the bank and they told me everything i have been saying doesn't had up. How I'm i supposed to know how my cards where used. If i had not checked on time i'm sure it would have been more than these amount. I confirmed from the customer care that the amounts is summed up to be {$42000.00}. I am so frustrated right now. Reading reviews online about what people experienced and what the customer care told them has been the exact thing i am being told. I never made any of this charges and i was also told i am not responsible for paying them back. But they make it sound as if i am going to be the one paying the full amounts. I have cancelled the old card and i have gotten the new card shipped to my address but i haven't activated it yet till this issue has been fixed

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 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
i, XXXX XXXX am a victim of identity theft. Someone deposit a fraudulent check into my Bank of America account my account needs to be closed. 
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 2022-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OR

Complaint narrative:
On XX/XX/XXXX, I called to request a refund on all of the payments I made on my student loan during the pandemic. The person on the phone told me that he had submitted my request but would not inform me of a timeline of when I should be expected to get this refund. 

I asked three times about a timeline and when this would be processed and he said he could not tell me. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: PA

Complaint narrative:
Do to a number of FDCPA VIOLATIONS Ive noticed on my Consumer report I would like the following inquiries/accounts removed from my Consumer report. Please see attached documents.

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 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, My complaint is targeted toward Bank of America. I already have a claim # with the bank ( XXXX ), however, the claim is now closed. I am going to provide a detailed time-lapse of the events that took place : XX/XX/XXXX, between XXXX XXXX XXXX XXXX XXXX I visited ATM ID ( XXXX ) to deposit {$8000.00} in cash to my account ending in XXXX, the machine had an error, none of the money was successfully deposited, thus resulting in the lack of receipt, the cash was spat out by the machine in two separate waves, I was able to take the first XXXX, however, when I reached for the second XXXX, the cash went back into the machine. I called the number provided on the ATM machine immediately that day, however, the representative failed to open a claim despite verballing telling me that she did and for me to wait up to 90 days. On XX/XX/XXXX, seeing that I still havent gotten any response, I called once again, this time learning that the previous representative did not open the claim, I created the claim with this new representative and received XXXX credits while waiting for the investigation. On XX/XX/XXXX, I received the notification that my dispute failed and the bank is going to remove the credit. I called once again on XX/XX/XXXX but failed to reopen the claim. My family has always been excellent customers of the bank, and always maintained good credit. This is our last hope, I have XXXX  kids to take care of and {$4000.00} is a very large sum of money for me. I hope the CFPB can help us see this through.

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 2022-09-19 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 — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Auto reported me tot he credit bureau inadvertently. I did not receive any information of a balance due from Ally. We have recently moved our mailing address and notified Ally of the address change. Nevertheless, they kept sending mail to the old address, which has been forwarded to me by the post office. We even received checks from them of reimbursement of leased vehicles which we had credit due to us, but nothing about a balance due. Ally could have contacted us by phone or by my email ( which hasn't changed for three years ), but decided arbitrarily to report the balance due to the credit bureaus for 90 days! The worst is that I was only made aware of the outstanding balance because the lender of my new house informed me when pulling my credit report. Please note I have excellent payment history with Ally, never missed a due date, since 2019 when my company started during business with them. They even had access to automatic account withdraw for their payments. By Ally reporting me to the credit bureau as delinquent my credit score was affected. THis is unacceptable especially at a moment my wife and I are closing on our new home and this situation has dramatically damaged my credit score while applying for a loan. I contacted Ally as explained the situation and paid the balance due the same day I was informed of the issue. I called back and they verified I had paid the full amount but the supervisor wasn't helpful to remove the derogatory remarks.

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have reached out to these companies to remove the fraudulent items and no help I am a victim of identity theft accounts were created please remove these fraudulent inquiries XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
People 's United Bank transitioned to M & T Bank on XX/XX/2022. 
I have been unable to get bank statements for my personal and business accounts prior to this date. 

I am attempting to close on a loan and was told that " only the division presidents can get you this. '' I called for support and was on hold for 2 hours to be told this. 
I went into a branch and was told this. 
When I attempted to write a question in my on-line account it said " we are not accepting on-line questions due to high volume. '' Access to my past bank statements should occur and this lack of transparency in the change is affecting my ability to do business.

Company response to consumer: Closed with explanation