vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: NY

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 2023-11-14 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: CO

Complaint narrative:
Agreed to cosign on a car loan for my sister through XXXX XXXX XXXX We made a payment on XX/XX/XXXX XXXX  and another payment on XX/XX/, which is a 14 day difference, however, XXXX is reporting that XXXX payment was more than 30 days late. 

XXXX is reporting that from XX/XX/ to XX/XX/ is a 39 day difference. My issue is that I have disputed this with all three credit bureaus, Equifax, XXXX, and XXXX XXXX, but because XXXX is verifying that the payment is more than 30 days late, the credit bureaus will not remove the derogatory remark. I have provided Equifax, XXXX and XXXX proof that the payment was not more than 30 days late by providing bank statements and screenshots of payment history from XXXX. 

I have provided clear evidence that XXXX is not providing or verifying accurate information yet XXXX, Equifax and XXXX are still honoring the inaccuracy as I have disputed the derogatory remarks multiple times and provided proof. 

The proof that I have provided should XXXX whatever XXXX is verifying via word of mouth. If I have the evidence and I can prove that there is a discrepancy, that should be enough for XXXX, Equifax and XXXX XXXX to remove the derogatory remark for my credit report but because XXXX, Equifax and XXXX will not remove the inaccuracy even after I have disputed the inaccuracy and provided proof, I have decided to file this complaint with the consumer, financial protection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: NY

Complaint narrative:
I was trying to get a mortgage loan when I was told my credit score was low due to delinquent accounts. When I saw my credit report I noticed unauthorized credit card accounts that were opened around XXXX XXXX XXXX My information was breached with XXXX and another company last year.

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 2023-11-14 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: NY

Complaint narrative:
I was trying to get a mortgage loan when I was told my credit score was low due to delinquent accounts. When I saw my credit report I noticed unauthorized credit card accounts that were opened around XXXX XXXX XXXX My information was breached with XXXX and another company last year.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Effective XX/XX/, the servicing of my primary residence mortgage note ( XXXX mortgage ) was transferred from XXXX XXXX to Chase ( XXXX XXXX XXXX, XXXX, XXXX, LA XXXX ). 

Prior to the transfer, I made a payment to XXXXXXXX XXXX for the XX/XX/XXXX  payment due XX/XX/. 

Upon Chase taking over as servicer of the mortgage, I set-up an auto-draft for the full monthly payment, effective XX/XX/ for the payment due XX/XX/, and on the 8th of each month thereafter. 

Despite this, and without my permission, Chase attempted to debit my checking account on XX/XX/ for the payment amount already paid to the prior servicer ( XXXX XXXX  ). I called Chase and informed them of their error. They refused to reverse the unauthorized draft but said I could just allow my bank to refuse the draft, which I did. 

On XX/XX/, my bank was debited for the proper mortgage payment, which was credited on the Chase website. 

But, without my permission, on XX/XX/, Chase again debited my checking account for the same amount as my monthly payment ( a second charge ). This is unauthorized in any way. I called Chase, and they incorrectly claimed that the charge was authorized, but I affirm this is untrue. I asked them to reverse this charge, which the representative said she would do. However, this has not been done, and my bank is demanding funds from me to cover this unauthorized double charge to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/2023 XX/XX/2023 Cap One Na Reported an inquiry on my XXXX and XXXX report that I did not authorize. I am filing this complaint so this can be fixed and removed immediately Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: NH

Complaint narrative:
I use Sallie Mae for my student loans and if I miss a payment, they call me at least once a day every day until I pay it ( and sometimes a couple days after ). I missed my payment this month, and they have been harassing me for the last week. Since Wednesday XX/XX/23, they have called me 13 times and left 5 voicemails from 4 different phone numbers ( ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX ). The attached screenshots are from this week alone. They usually skirt the line of how much they can legally harass me, but the call volume this week is excessive and illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was advised by a XXXX  and equifax representative to fill out this report because of unauthorized inquiries in my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all of the unauthorized inquiries on my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors. XXXXXXXX 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 2023-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received a notice that I was put in collections for a utility bill by Transworld services. The bill is for a XXXX TX address and I live in XXXX XXXX TX. I have never owned a property or lived in XXXX TX. They told me they would investigate but when I call for an update they say they are still investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH mortgage responded to our previous complaint with information that was untrue such as stating that the modification application process was delayed due to a change in the account holders employment. None of this has been the case. We have been attempting to resume payments on our loan through this loan modification application for the better part of this year. Following our previous complaint, we were told to submit our bank statements yet again, we complied by the requested due date and received a letter yet again stating that we had not submitted our documents. We called, confirmed that they had in fact been received and were told to submit these documents yet again ( as we have for the last 4 consecutive months ). We need assistance as PHH is not being honest about their treatment of us as customers or their inability to honestly process our application and documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Care Credit gave me a credit line of $ XXXX in XXXX after I had paid nearly $ XXXX off they reduced my limit to $ XXXX making it apear as though my card was maxed out causing my credit score to plummet. I suffered dropping creditt scores and was denied financing as a direct result of ther tactics. They just reduced it again from $ XXXX to $ XXXX after I had nearly $ XXXX available credit on the $ XXXX. I called to conftront the obvious scam tatctics and was not surprised to find their reasson to reduce my credit line was that i wasnt using the creidt therfore they destroyed my credit becasue i was being responsible with the credit line. 

Shameful, they need to make this right they charged me enormous fees and then they destroyed my credit i am reading through thousands of consumer complaints exacalty the same as mine. Care Credit is a predatory lender

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
Hello, My mortgage was transferred from XXXX XXXXXXXX XXXX to Flagstar bank. I was not aware of this transfer. I was made aware of the transfer when my credit monitoring service alerted me of a massive drop in my credit and I began investigations. The day i was made aware, I brought my account up to date and made all outstanding payments. I have an exceptional payment record to all parties. The agent who helped me let me know that " all the mail we have sent you has been returned '' and we determined that Flagstar bank did not have my correct mailing address. They did not include the unit number and thus, I was never notified that my account had been transferred. Flagstar had my physical property address All Digital communications from the bank ended in my spam calls from unknown numbers also were flagged as spam. 

I was transferred to customer service and they submitted a request to remove the negative credit memo they had reported, and said, " this is our fault as we did not properly notify you. 

The next day I was sent an email saying my request had been resolved and changes will be be reflected in my account. I called to confirm details of the resolution and was told my request was denied. After horrible customer service, I was told that this was entirely my fault and unless i can prove that they had the wrong address they could not help me. I am also confused as the statements that the customer service reps provided show XXXX as well as Flagstar.

Attached you will find the statements from Flagstar showing that despite having the correct physical address, they did not include the unit number which resulted in all the mail being retuned and me not being notified.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX, XXXXmy account was assessed a late fee of $ XXXX.plus interest of {$1.00} My payment was posted onXXXX. I was told that the statement date was the XXXX of each month From that month to the present, I made my contracted payment plus any additional interest that was charged, on or before the statement date. Because I did not make the first {$40.00} payment, an additional late fee was added each month despite the fact that the contracted payment was made in a timely manner. Additional interest was also added which I also paid. In XXXX I was finally able to have my dispute resolved with the executive branch of XXXX XXXX and all of the late fees billed {$200.00} ) were re-credited to my account but not before a delinquent status notification was placed in my credit file that resulted in the reduction of my credit score by XXXXpoints. The credit bureau dispute resolution department is not willing to correct the error in my credit file but has told me that I would have to wait 45days for the matter to correct itself. In the meantime my creditors have either reduced my credit or withdrawn my credit privileges altogether. XXXX XXXX had me pay an additional month 's payment and then advised me that this amount was credited to the principal and i now requiring that I pay another month in XXXX. I would like my credit file to be updated to reflect no delinquency and that the payment that was credited to the principal without my approval be credited to my XXXX payment due which is what I was told originally. As you can see, I do not pay my debt late and have bad no delinquencies for the past years. Please help me to correct this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: FL

Complaint narrative:
Credit bureau did not report my payment on my credit report for month of XXXX & XXXX. 
The credit bureau reported that I missed payment for the month of XXXX for my XXXX XXXX credit card which is inaccurate XXXX XXXX credit cards payment is paid. XXXX  payment is paid. Department XXXX payment is paid. XXXX XXXX XXXXXXXX XXXX is paid.

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 2023-11-14 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: FL

Complaint narrative:
Credit bureau did not report my payment on my credit report for month of XXXX & XXXX. 
The credit bureau reported that I missed payment for the month of XXXX for my XXXX XXXX credit card which is inaccurate XXXX XXXX credit cards payment is paid. XXXX  payment is paid. Department XXXX payment is paid. XXXXXXXX XXXX XXXX XXXX is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ProCollect, Inc.
State: AR

Complaint narrative:
Pro collect phone representative stated they wouldn't remove the closed account information on the credit reporting agencies as it was a debt that I had incurred at one point in time.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Past credit card account 's, accounts that has been paid still show on credit report. I've called and spoken to them several times and nothing is done about Transunion XXXX and XXXX. 
Its Impeding my credit score to increase. Trying to get my credit on track to find a place to stay. 
Homelessness is not nice at all. 
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 2023-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION
State: NJ

Complaint narrative:
Sallie Mae has been providing misleading advertisements about scholarships through their scholarship programs and platforms such as XXXX and XXXX. Sallie Mae has not made students aware of scholarship displacement, a practice that postsecondary institutions use to force students who have received outside scholarships into additional student loan debt or make them drop out of college. Sallie Mae has known about the practice for years and continues to mislead students, knowing that the students will become victims of scholarship displacement. Sallie Mae uses their scholarship platforms, XXXX and XXXX, to force students to get their loans once they become victims of scholarship displacement. Sallie Mae must be investigated for their misleading and predatory advertisements and practices. I have added new information to this complaint with a screenshot of how Sallie Mae uses their scholarship businesses to steer students into getting their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My issue is with Wells Fargo Bank Checking Account. I had funds in my account on XX/XX/23 and I was charged overdraft on XX/XX/23. I called the bank XX/XX/23 and they gave me a partial refund of {$17.00}? Why give a partial refund? I also have a deposit pending with Wells Fargo on XX/XX/23 which should have posted XX/XX/23. It's now XX/XX/23 and I've been charged again for overdraft. Can Wells Fargo hold a deposit while they charge overdraft fees? Technically they are the ones who have my money so I can't do anything until they decide to post my deposit while charging me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I had a bank account with Bank of America in XXXX. I lost my job and was waiting for Social Security to kick back in. I didnt do anything with the account all of a sudden the {$35.00} check ran through but it wasnt a check it was electronic check And I told him I didnt do that they investigated it and said that I did which I didnt they bounced it all the way to {$1500.00}. They lowered it back to {$960.00} I paid it all off I had told them when I paid it off. I wanted it removed from the check system. They said OK but then they didnt remove it. I cant get it a bank account because they put on their suspicious fraud activity. I was the one that reported suspicious cause I didnt recognize the charge and then they put on the other one account abuse see they tried to run it through the try saying it came in through the savings. It never came through. It was all done through checking savings was only used as a savings account. I never did nothing with that except for overdraft stuff.

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 2023-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
these accounts listed below are fraudulent accounts that I did not authorize and I'm demanding that the accouns be deleted off of my entire credit report indefinity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1400.00} Highest balance {$1900.00} Terms - On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation