vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, on XXXX XX/XX/XXXX I called my bank to ask why in their app does it say my card is restricted. They told me my account was closed. I had received no email, letter or call. I asked why and was told due to " fraudulent '' activity. Even though 99 % of the time I use my credit card to pay for food the 1 % on movie providers. They said that it's due to returned payments even though the bank initiated it. Even though I did have money in my account waiting to be taken out by the credit card company to pay my bill, in which i pay my bill ahead of the due date but also on the due date because I get charged for XXXX XXXX. I assume they waited too long to take the money but I always made sure there was money in my accounts. This has caused me too much stress and confusion. My credit will be ruined and It will take awhile for another bank to even allow me to get a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 This account was dismissed in 2019 by XXXX XXXX. The judge found the case on my behalf.

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 2022-07-09 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 XXXX Account # 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 This account was dismissed in 2019 by XXXX County. The judge found the case on my behalf.

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 2022-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
FedLoan Servicing has terrible customer service. Every rep I have been in contact with over the last 10 years has been rude and incompetent. Every rep gives different information and I was forced to go into deferment for 6 months when they should have given me the option to lower payments. Also, a customer service rep told me over the phone that the parent plus loan was not eligible for PSLF. Because of this inaccurate information, I have lost 6 years of payments that could have been eligible for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was solicited by mail by Synchrony Bank to open a XXXX. Terms say on envelope and on enclosed document if I purchase {$1000.00} with the card within 3 months I would get a statement credit of {$100.00}. 

I purchased approximately {$1600.00} within the first couple of weeks after I received the card. The bill came via email to pay online. When I looked at the statement there was no {$100.00} credit which is usual for other cards I have which gave similar incentives. I did pay the bill in full. 

I called the company and was told by a representative that I would not receive the {$100.00} until 5 MONTHS from now. That the 3 month period would have to pass and then it would take 1-2 months to process the credit. He claims this is what their terms say. It does not. It says credit applied within 3 billing cycles. Well, this is within 3 billing cycles. Not much of an incentive to use the card any more.

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This a addition to the report already filed, incident # XXXX. I am attaching another letter show that I was denied a credit card because TransUnion had deleted all my trade lines making it seem like i had no credit.

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 2022-07-09 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: FL

Complaint narrative:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # 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 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A 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 non-monetary relief
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
After closely reviewing my credit reports, I have established that Raymour & Flanigan ( R & F ) is reporting inaccurate information regarding the account listed in the attachments. Dates, balances, etc are inconsistent across the 3 major credit report agencies. 

On XX/XX/2022, I sent a letter putting R & F a notice that the are furnishing inaccurate information. They are in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( b ) ( i ) ( ii ) which mean they can not report this account any longer. All information has to be validated, verified, and agreed upon by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My wife died in XXXX of last year. I sent a copy of her death certificate to Mr. Cooper, asking them to take her name off of the loan. Later I sold my home. A month or two ago I received two large checks from NationStar, made out to me and my wife. My bank told me that with her name on there I would be unable to cash or deposit them. I sent them back to NationStar with another copy of her death certificate, and nicely asked them to re-issue checks with just my name on them. I kept waiting. Yesterday, I received another large check with my name and my wife 's name. Apparently, they did not read my letter or ignored it. These checks are for a lot of money that is rightfully mine, and I need the money badly. I can not find a phone number for them. They are in XXXX, TX Please contact them and tell them to send me the money in my name only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Tuesday, XX/XX/XXXX, I received a notice from XXXX that there had been a hard inquiry of my credit that day. I KNEW it was not me so with further investigation I discovered that a credit card had been applied for from Bank of America and was approved by them. The applicant used my name and address ( they may have used more information but I dont know what else ) and pulled my credit report. 
I called Bank of America to report the issue and they took the information into their fraud unit and gave me a case number. They also told me they would contact XXXX, XXXX and XXXX to have this removed from my report. 
I also contacted each of the three credit reporting companies to have a freeze put on my account, which they tell me was done. 
XXXX has opened a dispute for me in their Identity Theft division. I was told by XXXX to report here in lieu of a police 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 explanation
Consumer complaint received 2022-07-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXXXXXX 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 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: FL

Complaint narrative:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXX XXXX XXXX XXXX XXXXXXXX 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 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A 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 2022-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Recovery Solutions Group, LLC
State: CA

Complaint narrative:
I have XXXX  XXXX and am supposed to be at home resting not being called by Recovery Solutions Group at XXXX XXXX pst regarding a debt. The same debt that Recovery Solutions Group is trying to collect on I have already given notice to their client that I do not wish to be contacted by telephone because I am represented by an attorney and yet they have ignored this by calling me and doing so leaving a voicemail per the attached at XXXX XXXX. 
I want XXXX to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: FORD MOTOR CREDIT CO.
State: FL

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
After closely reviewing my credit reports, I have established that Wells Fargo Auto ( WFDS ) is reporting inaccurate information regarding the account listed in the attachments. Dates, balances, etc are inconsistent across the 3 major credit report agencies. 

On XX/XX/2022, I sent a letter putting WFDS a notice that they are furnishing inaccurate information. They are in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( b ) ( i ) ( ii ) which mean they can not report these account any longer. All information has to be validated, verified and reported accurately.

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 2022-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
Hello respected Official, I have refinanced with XXXX XXXX XXXX in XXXX. I have paid first payment to XXXX XXXX XXXX in XX/XX/2020 in the amount of XXXX loan is sold to HomePoint financial in XX/XX/2020. I have paid amount of XXXX in XXXX to HomePoint financial in XXXX XXXX however only one payment is applied to loan. I have reached Homepoint and XXXX XXXX XXXX to report the issue by mail and on phone as well. I have attached the proof. Please help me to resolve the issue and They should not repeat such type of false practice. thank you. 


Contact Us - Homepoint https : //www.homepointfinancial.com XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
The adjudication for removal of background check in terms of financial conditions is to seek help towards credit repair in the manner of financial issues. 

Also to protect any consumers from any collection agency that holding any employment credentials of such individuals. 

The fair credit agency has been communicated purposes to solely protect the consumers from human harassment and other financial quos or issues. 

Any procurement of any credit interest shall not apply towards any consumers that would toiled nor to harm any accruing interest of any such credits vice versa. 

Your utmost of help is necessary needed. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It has been brought to my attention that there is no need or no law that requires or authorizes credit card companies, data furnishers, or Consumer reporting agencies to report utilization. 

In facts pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) which says ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting utilization is a clear violation as it is directly related to transactions and my experience with the Credit Card company. 

The accounts that need updating are XXXX XXXX  reporting 102 % utilization XXXX XXXX XXXX XXXX reporting 100 % utilization XXXX XXXX XXXX  reporting 97 % XXXX XXXX XXXX reporting 92 % XXXX XXXX reporting 73 % XXXX XXXX reporting 0 %

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 2022-07-09 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: MA

Complaint narrative:
After reviewing my Transunion Report, I sent a letter asking TransUnion to thoroughly validate, verify the accounts listed in the attachment and to provide complete documentation as to how each account was verified, contact person, telephone number of contact person and date of conversation. 

Also, Transunion has been providing information as XXXX XXXX XXXX. Not sure who she is but it is proof that my credit file is corrupt. Reporting inaccurate information such as this is a violation and should result in immediate deletions of the accounts in question.

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 2022-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I had a FFEL loan, although I didn't know it because XXXX was deceptive in their communications. So I refinanced with FedLoan to get my PSLF credits going. I followed all the directions provided and obtained forms from four previous employers with eligibility for the temporary PSLF program. It took some time to obtain these forms, and then three months after I submitted them to FedLoan, they informed me that they did not accept the forms I submitted without providing any details about what " additional information '' was needed on which forms, or how I could go about submitting whatever " additional information '' they demanded. 

In another development, I was expecting that after making now 20 years of payments under Income Based Repayment plans, I would be getting Loan Forgiveness based upon that 20 years of payments ( not requiring Public Service ). FedLoan has not responded in any way to my inquiries about that form of Loan Forgiveness. Instead, FedLoan has informed me that instead of being eligible for the PSLF program after 10 years of qualifying payments ( would be in XXXX  ), I will be required to continue payments until I reach age XXXX in XXXX  because I obtained a terminal degree! 

It is abundantly clear that FedLoan is not interested in fulfilling their contract with the US Department of Education. Instead they are interested in getting out of the Student Loan business as soon as possible and without completing any of the responsibilities that they have to the citizen taxpayer students like me and countless others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-07-09 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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 XXXX XXXX XXXX Account # 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 2022-07-09 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Bank Account # 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 non-monetary relief