vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled my credit report for Equifax multiple times this year, the most recent being XXXX and noticed inaccurate information. I sent my original letter in XX/XX/2023 and I haven't received any response from them within the 30-day window, Because of that I sent them another dispute on XX/XX/2023 letter telling them they must remove the account and also included inaccurate personal information that needed to be removed. Instead of investigating, I got a letter saying that it appeared that the dispute letter came from someone else and that I had to call them to dispute, which I know isn't the law. I sent ANOTHER letter most recently in XX/XX/2023 saying that the dispute was, in fact from me, and that they were trying to waste time. I am giving them one more chance via CFPB to make this right before I file a complaint with the FTC and XXXX ; and if that doesn't work, I have already started looking at consumer attorneys that work on a contingency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX account number 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 an 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 2023-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I contacted the BMO bank branch in XXXX where I had a security credit card in early XX/XX/2023 with a request to close the account and return my money. I was told that I should call the number on the card and close it, which I did. However, despite because the account was closed on XX/XX/XXXX, I did not receive my deposit back. I repeatedly called the hotline and every time I received an answer that I would receive my money and the delay was due to the fact that someone had the wrong address and other excuses. On XX/XX/XXXX, I contacted to another branch in XXXX. The XXXX XXXX wanted to help me and tried for a long time to find out why I had not received anything. Then she was told that within 10 days I would receive a check from the bank. As of XX/XX/XXXX, I only received promotional papers from BMO bank. I spent a lot of time and effort to take back your deposit. Also the XXXX XXXX, but we still couldnt get anything. Please pay attention to this bank because many clients complain about it.

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 2023-10-31 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: PA

Complaint narrative:
I currently have some fraudulent accounts Appearing on 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 2023-10-31 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: PA

Complaint narrative:
I currently have some fraudulent accounts Appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: TX

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 XXXX5 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
XX/XX/XXXX - I requested loan assumption be initiated by Freedom Mortgage with documented/signed third party authorization and buyer information of my home that I have financed with Freedom Mortgage. Representative claimed they would call the buyer ( person assuming my VA loan ) within one week. 

As of XX/XX/XXXX, buyer has yet to be contacted. After 5 attempts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to contact a live representative ( XXXX XXXX XXXXXXXX ) within the loan assumption department since XX/XX/XXXX, neither my buyer, nor myself have been able to reach a human being. XXXX 's voicemail promises a callback within " 24-48 hours ''. Still no returned call. 

When I did speak with XXXX on XX/XX/XXXX, she mentioned that the process would take 60-90 BUSINESS DAYS to complete. 

As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can attest that this process is not hard. It would take a processor 1 week to verify employment and assets. It would take an underwriter one DAY to review all documentation to make a decision. Inspections are not required. Appraisal is not required. It's a basic credit underwrite. They claim that they have heavy call volume. Maybe they should HIRE??? 

This appears to be an intentional delay that is specific to discriminating against Veterans who are trying to sell their homes via VA loan assumption.

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 2023-10-31 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: CA

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. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank Account Fraud Report Reference XXXX XXXXXXXX Incident Date : XX/XX/2022 Checking Account : Bank of America I opened an account with Bank of America for my XXXX XXXX XXXX daughter and instructed the personal banker to disable the option for over drafts on this account. If she doesn't have the funds in her account to complete a purchase transaction, then the transaction should be declined. 

My daughter lost her debit card for this account ; yet did not have any funds in the account. When I viewed her account status, there were several transactions of substantial amounts ( i.e. XXXX XXXXXXXX to {$4000.00} ) deposits and withdrawals in this account. My daughter does not have any means or access to this amount of money. I called the bank to close the account, yet was informed that I would have to transfer my funds into this account to clear the negative balance associated with these fraudulent transactions. Since the account had been compromised, I did not agree to my personal funds be used due to the unauthorized activity on a minor 's bank 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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. I kindly request that you investigate and, if necessary, remove the following items from my credit report. 
-- -- -TransUnion -- -- - 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 2023-10-31 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: MN

Complaint narrative:
On XX/XX/23 I submitted an application to Nelnet for the SAVE income driven repayment plan. My application has been listed as completed on the federal atudent aid website for months, almost immediately after the application was submitted, but the Nelnet website said it was still processing. I never once received an email or a letter or any type of communication detailing what else I needed to provide. A few weeks ago I read on XXXX that proof of income XXXX need to be submitted so I did that and then the date of my application on Nelnet changed to saying that my application had been submitted on XX/XX/23. I logged in today and it said that my application was pending payment and I needed to check a recent letter or email to see the details of that payment. I have received NO letter or email from Nelnet during this entire process and I still have no communication regarding the status of my SAVE application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc.
State: NJ

Complaint narrative:
1. Eastern Revenue inc Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} Date open : XX/XX/2023 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX creditor : XXXX Balance : {$320.00} Account : XXXX XXXX. XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX Balance : {$970.00} Account XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX : {$360.00} Account XXXX XXXX XXXX All report different on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: ID

Complaint narrative:
XXXX Mohela sent me a statement with my loan balance because payments were resuming. I confirmed it online, and paid it off. 

XX/XX/XXXX Mohela sent me a {$0.00} statement with {$100.00} in added charges and interest since I paid off the loan which is inappropriate and incorrect XX/XX/XXXX I tried to call Mohela, no answer XX/XX/XXXX I emailed Mohela, they received it and the auto response said they'd get back to it within 3 business days XX/XX/XXXX I still haven't heard anything, Mohela sent me another {$0.00} bill adding interest yet again. 
XX/XX/XXXX I called Mohela, no response XX/XX/XXXX I emailed Mohela XX/XX/XXXX XXXX files this. It looks like they are having lots of similar issues. They are trying to financially ruin a generation for their own greed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet has violated Federal laws concerning the use of private information. Nelnet is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting Nelnet to provide documentation used to determine that all disputed loan accounts were verified, consumer is not asking for a statement. If Nelnet isn't able to provide said items, loan accounts must be removed immediately. Said Company is liable under the SEC to follow certain rules.

I will be filing form 211 treasury omb forms to audit consumer accounts.

Consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language NELNET is securitizing consumer data yet refusing to provide an updated presentment of debt verification and how they are a party to the debt and how is it owed to them also an updated presentment is not written in legalese as this is fictional language.

Nelnet you are interfering with commerce and that is a Federal Crime Nelnet COMMISSION FILE NUMBER XXXX IRS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I had multiple fraud charges on my account with Usaa the temp refunded them after they concluded I was at fault I have repeatedly tried to over turn the results because I did not do it and Ive been repeatedly told yes I did

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 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: IL

Complaint narrative:
Account to be removed from your credit report In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX, Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer

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 2023-10-31 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: IL

Complaint narrative:
Account to be removed from your credit report In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX, Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
XX/XX/2023 I received a letter via email from Hunter Warfield trying to collect on an alleged debt from XXXX XXXX XXXX XXXXXXXX. On XX/XX/2023 I sent a letter via certified mail asking for verification of the debt and giving notice that I would be disputing the debt. I have not received a response to the letter but I have received two letters via email on XX/XX/XXXX and XX/XX/XXXX trying to collect on the debt. I have also received several calls, the most recent XX/XX/XXXX. 
*Note there are two certified mail receipts pictured. One was for mine and one was for XXXX XXXX who is also responsible for the debt and sent a verification request letter. I am not sure which was for which letter. Also the copy of the letter attached was the letter before being printed and signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a 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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/2023, I contacted Chime bank after receiving an unsolicited debit card in the maIl that was attached to a checking account. I asked the representative to provide me with account opening details such as when and how was the account opened. Or was this an unsolicited account opened by Chime using my information. The representative advised me that they could not provide me with that information, but proceeded to send me an email closing the account with asking for my information. I again asked the representative if Chime is opening unsolicited accounts and she repeated that the account was closed and could not provide additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: FL

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