vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Millennial Home Lending, Inc
State: CA

Complaint narrative:
I contacted XXXX XXXX ( XXXX  " XXXX '' XXXX - XXXX ) regarding a cash out refinance in XXXX of this year. I locked in my rate and was given the loan estimate disclosure. In it, there was no mention of points nor was any discussed over the phone or email. After 5 or 6 weeks I received the closing disclosure and found points totaling {$1700.00}. I immediately contacted them and asked what that was about. They said they had to pay a fee to maintain the rate that I was locked into because the term was going to expire. The reason the loan process went past the expiration date had nothing to to with me. I provided everything they requested either the same day or within a day or two. At this point, considering where interest were going, I was stuck. If I said canceled I would have ended up paying a higher interest rate someplace else. 

They sent a notary to my house to sign documents. The cash I was to receive based on the closing loan disclosures was {$43000.00}. This is what I signed for. After more than a week after signing I was contacted by an escrow officer ( XXXX XXXX with XXXX XXXX - XXXX ) telling me there was a {$100.00} endorsement fee charged by title and recording fees went up by {$16.00} so I would receive {$110.00} less. I sent an email to XXXX  and the escrow officer telling them I was not ok with this as this is not what I had agreed to in writing. I have called and emailed numerous times. Each time they tell me they are working it out to get a refund to me but nothing has happened and I have not received the money. This has been going on for more than XXXX weeks.

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I filed complaint with chase XX/XX/2022 charges reversed while investigating filed police report XX/XX/2022. 2 weeks later chase reversed charges stating I took money. I asked for further proof they told me burden of proof is on me .I have been treated like garbage from chase no one cares they are sorry but I am out XXXX XXXX XXXX XXXX XXXX XXXX  I can not afford to lose this money I need your help!!!!!!!!!! this is criminal how they are treating me. my friend who is a XXXX detective has told me people are stealing info at arms and duplicating and stealing money I know I am not alone!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
CONTACTED THIS COMPANY ABOUT ALL OF THE MULTIPLE INQUIRIES LISTED ON MY CREDIT REPORTS AND THEY TOLD ME THAT THEY DID NOT HAVE A FRAUD DEPARTMENT THAT THEY COULD TRANSFER ME TO. I FOUND THIS TO BE ODD BECAUSE THIS IS A HUGE COMPANY AND THEY DON'T HAVE A FRAUD DEPARTMENT TO REPORT TO IS ODD TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Hello, I reviewed my credit report and saw an inaccurate account reporting. I consolidated my student loans with XXXX and the balance was PAID IN FULL and transferred to the new loan XXXX Aidvantage. However, the original student loan is still reflecting on my credit profile. This error is impacting my credit scores as my DTI is elevated. I have sent out dispute letters, but my request has been ignored. Please remove this from my credit report at once! Its illegal to report outdated information. This balance was satisfied in FULL and needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am not liable for this debt and I do not have a contract with XXXXXXXX XXXX-XXXX  plus they did not provide me with the original application like I asked. 
Account No:XXXX Amount Disputed : {$100.00}

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 2022-04-07 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I was divorced and my ex spouse was deeded the house in divorce. He never refinance with XXXX XXXX XXXX so my name was still on the loan. I was assured, in divorce that this account could not affect my credit because the property was deeded to him. I have no legal rights or obligations to this home. My ex spouse is in the process of selling this home and has missed a payment. It is reflecting in my consumer credit and avoiding me to seek options to purchase a home. Ive submitted documentation about the deed that was recorded. I desperately need this blemish removed from my credit reporting

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was reviewing my credit report and i saw accounts which are not mine. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX and XXXX XXXX XXXX  # XXXX opened was opened XX/XX/XXXX HAVE VIOLATED MY RIGHTS! 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: GA

Complaint narrative:
I am not liable for this debt with ( XXXX XXXX XXXX XXXX and I do not have a contract with PERSOLVE LEG plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$180.00} / XX/XX/XXXX XXXX / {$330.00} / XX/XX/XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX and I do not have a contract with PHOENIX FINANCIAL XXXX plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: FL

Complaint narrative:
XXXX XXXX  NetSpend are violators of the law and their own policies to close my account without consent. The account is not a benefit account ie. ssi or XXXX. It's a payroll account that's direct deposited each month. Regardless of my preference and choice in this matter, there's no reason to undermine the account owner No other has the right to close a personal account.

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$170.00} / XX/XX/XXXXXXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXXXXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/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 2022-04-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I am trying to payoff a debt that has not changed balance in approximately a year since it was turned over to the current collection agency, in XXXX  days it has increased by approximately XXXX yet the invoice said no interest or fees are being assessed and I requested a payoff XXXX weeks ago, and have not received a reply. The website forces you to agree that you are a customer in order to get the payoff, I added a disclaimer in my verbiage requesting the payoff and no one has called me. The Company is XXXX XXXX XXXX on behalf of XXXXXXXX XXXX XXXX XXXX XXXX. I just want to be done with Bank of America, as they are shady and unfair. 

I just received the payoff an includes default interest, in which a lump sum should be waived due 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 explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
THIS COMPANY IS COMMITTING FRAUD BY REPORTING THIER INCOME ON MY CREDIT REPORT. THEY FILED IT ON A 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 2022-04-07 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: Global Lending Services LLC
State: AL

Complaint narrative:
I WAS SENT AN ALERT THAT THIS COMPANT BY THE NAME OF GLOBAL LENDING SERVICES HAD OBTAINED A COPY OF MY CREDIT REPORT WITHOUT MY PERMISSION. UPON CONTACTING THIS COMPANY THEY PLAYED CRAZY AND ACTED AS THOUGH THEY DID NOT WHAT I WAS SPEAKING OF. THEY ARE LISTED ON MY XXXX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was reviewing my credit report and i saw accounts which are not mine. 
In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX # XXXX Date opened XX/XX/XXXX and XXXX XXXX XXXX # XXXX opened was opened XX/XX/XXXX HAVE VIOLATED MY RIGHTS! 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was reviewing my credit report and i saw accounts which are not mine. 
In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX # XXXX Date opened XX/XX/XXXX and XXXX XXXX  XXXX # XXXX opened was opened XX/XX/XXXX HAVE 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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigation consumer report '' means a consumer report or portion thereof which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtains through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reposted is not accurate. This ground for removal.

They also violated the law because according to 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 I did not give anybody written Instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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