vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2023 I received a wire transfer from XXXX XXXX XXXX XXXX  later my account had a fraud hold. so I went in the bank with the person who sent the money to my account. They endorse the money to me inside XXXX XXXX XXXX branch with the vice president, XXXX. XXXX I provided documents for the business to show. It was a real business along with my identification. The fraud department still put a 14 day hold on the account the investigation went over the promised 14 day period. XX/XX/2023 I received a letter saying my account would be closed and I would be mailed a check with the remaining balance. now, XX/XX/2023 I went into the branch because I didnt receive a check in the mail in the fraud department told the banker that I had to send a document to XXXX XXXX in order to get my funds released from unclaimed property. They would let me claim the money that was in my account and they wouldnt send the money back to XXXX XXXX as requested. they told me after my account was closed that I had to send over documents, which didnt make any sense because when I research the information, none of what they said was true. I requested a fraud team manager over and over again they would not give me one. The guy XXXX that was working. My case was very rude and not helpful. Ive been treated like a criminal.

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 2023-10-06 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: NJ

Complaint narrative:
I want this information to be completely removed from my credit report, it does not belong to me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: IL

Complaint narrative:
EdFinancial Services is making it difficult for new graduates in XX/XX/2023 to get out of the automatic loan deferment granted to new graduates. 

Although this 6-month deferment is a requirement for federal loans and usually benefits the borrower, EdFinancial Services benefits in this circumstance. The SAVE plan allows students with low income to benefit from not having interest accumulate on the loan if their monthly payments are zero. 

Given this, I want to get out of deferment and start payments using the SAVE plan. However, EdFinancial Services makes this process excruciating for students to get off deferment. First, there is no option online on their service portal. Second, the call center has unreasonable wait times, with the quoted wait time being " XXXX minutes ''. The bank is systematically creating barriers for new graduates to take advantage of the SAVE plan and benefit from collecting interest that otherwise would not accrue. Other banks are making this process much easier. Therefore, I believe this to be an intentional choice rather than a lapse in website functionality in order to benefit financially from getting higher interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE
State: WY

Complaint narrative:
I've asked them many times via email to send me the payoff and balance information of my account. Their is some problem with the balance and they will not proved the requested information unless I call them. 

I have an XXXX XXXX and speaking with their company exacerbates my condition. As such, I can not be accepting phone calls from the company. I am open to written or email communications. 

All I am trying to do payoff my account but they will not communcate.

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 2023-10-06 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: MI

Complaint narrative:
After multiple attempts, filed police reports multiple disputes these inquiries were never resolved either the company removed a few that were fraudulently made or none at all. Im looking for justice in my personal information being used on the XXXX  web. I tried to reason with this company in the removal of the inquiries nothing is being taken lawfully. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accord with the Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C.1681. XXXX XXXX ( original Creditor : XXXX XXXX XXXX XXXX ) acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX acct : # XX/XX/XXXX, XXXX XXXXXXXX acct : # XX/XX/XXXX, XXXX XXXX acct : # XX/XX/XXXX, XXXX acct : # XX/XX/XXXX, XXXX  acct : # XX/XX/XXXX, XXXX XXXX XXXX XXXX  acct : # XX/XX/XXXX, XXXX XXXX  acct : # XX/XX/XXXX, XXXX XXXX XXXX  acct : # XXXX XXXX, XXXX acct : # XX/XX/XXXX, XXXX XXXX XXXX acct : # XX/XX/XXXX, XXXXXXXX XXXX acct : XXXX, XXXX XXXXXXXX acct : # XXXX XXXX XXXX XXXX XXXX acct : # XXXX. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 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 non-monetary relief
Consumer complaint received 2023-10-06 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-10-06 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them 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 2023-10-06 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-10-06 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: Camino Financial Inc.
State: AZ

Complaint narrative:
I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them removed IMMEDIATELY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Date of inquiry : XX/XX/2022

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 2023-10-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-10-06 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: Finance of America Mortgage LLC
State: AZ

Complaint narrative:
I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them removed IMMEDIATELY

Company response to consumer: Untimely response
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: WY

Complaint narrative:
I've asked them many times via email to send me the payoff and balance information of my account. Their is some problem with the balance and they will not proved the requested information unless I call them. 

I have an XXXX  XXXX  and speaking with their company exacerbates my condition. As such, I can not be accepting phone calls from the company. I am open to written or email communications. 

All I am trying to do payoff my account but they will not communcate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I sent in proof via XXXX proving the violation of my consumers rights via ; affidavit of truth, corrected presentment, and debt validation/ cease and decease letters. Midland credit still proceeded to contact me via email after i have unsubscribed multiple times and not once ever opting into their mail list in the first place. I sent specific instructions on how to contact me via XXXX only, but they have proceed to disobey the instructions provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I've been trying to contact Nelnet since receiving my first statement. I have a payment due on XX/XX/11, and I need to inquire about an extension on a deferment or forbearance due to financial hardship. I've scoured my online account on Nelnet 's website, and I found information on requesting a short term forbearance ( XXXXXXXX XXXX XXXX but I can not find any information regarding requesting a longer deferment or forbearance ( I need a deferment or forbearance for about another year ). Since receiving my statement, I've tried, several times, to contact Nelnet by phone. When calling Nelnet, they indicate that wait times currently exceed XXXX minutes. After dealing with the automated system for XXXX minutes, the automated system says I will be connected to an agent in ... minutes ( the automated system doesn't give a number before minutes so no actual timeframe ). On each occasion when I attempted to contact Nelnet, I patiently wait on hold, and, without ever speaking with an agent, the call disconnects after a little over an hour on hold. This has happened every single time I try to contact Nelnet by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: NJ

Complaint narrative:
For the past XXXX years, I have been trying to get information on this debt that allegedly is mine. I have never been provided a copy of any contract bearing my signature nor information showing me that this information is mine. 
The dispute for the account with XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXXXXXX XXXX Address : XXXX Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LA 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 2023-10-06 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: FL

Complaint narrative:
n 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 XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ) XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX ( HARD INQUIRY ), 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 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n 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 XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ) XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX ( HARD INQUIRY ), 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 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 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
I am the author of this complaint and I have attached an ID theft report, my driver 's license and my social security card to verify my identity. I applied for a loan and was denied. I noticed UNITED REVENUE CORP ( Original Creditor : XXXX  XXXX XXXX ) reporting on my credit report without my consent or authorization. I contacted them to validate the debt and to show a contract between me and them but they have sent me frivolous responses and did not address my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
On XX/XX/2023, There was a Bank of America hard inquiry reported to XXXX XXXX that I dont recognize! This was unauthorized by me and I dont recognize it. I need this inquiry removed!

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