vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Someone opened an account for children 's place in my name online shopping XXXX 2022. Account was reported to the bank and closed and under investigation. XX/XX/XXXX someone again used my social security number to try to open an account with XXXX XXXX but was not successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 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: NC

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: NC

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2023-02-02 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: Prince Parker & Associates
State: AR

Complaint narrative:
ON XXXX XXXX XXXX MY XXXX XXXX XXXX RECORDED CALL FROM XXXX AT XXXX WAS PROVIDED TO THE COLLECTION AGENCYXXXX PRINCE PARKER & ASSOC. IN DISPUTE OF A XXXX DOLLAR COLLECTION FROM XXXX. IN THE CALL, XXXX MAKES CLEAR THAT I AM NOT OBLIGATED TO PAY THIS. SHE SAYS : YOU WILL RECEIVE NOTICE CHARGE OF XXXX DOLLARS WILL BE AUTOMATICALLY CREDITED TO YOUR ACCOUNT, WE ARE GOING TO WAIVE IT FOR YOU, YOU DO NOT NEED TO WORRY ABOUT IT, TICKET NUMBER XXXX. PRINCE PARKER HAS THIS PROOF THAT I AM NOT OBLIGATED TO PAY THIS, BUT THEY REFUSE TO REMOVE THIS SLUR FROM MY CREDIT REPORT. TODAY, XX/XX/2022, I DISPUTED THE CHARGE AGAIN BY CALLING PRINCE PARKER WHO REFUSES TO DO ANYTHING MORE THAN KICK IT BACK TO XXXX. 

Recorded call XXXX  link ( video file ) available until XX/XX/XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear XXXX, During Historical event of XXXX XXXX XXXX, we applied to the Forbearance payment plan with WFHM we were approved. 

After their plan end we apply for a loan modification and we were approved. 

After we send all the documents to XXXX there canceled the Loan Modificacin said that it was not signed correct. ( We did in front of the XXXX XXXX XXXX XXXX XXXX, XXXX ). 
The XXXX have been in the same offices for XXXX XXXX 

We reapply to a Loan Modification and we received a proposal to do a Short Sale. 

This is the only House we have and we live with our XXXXXXXX XXXX 

WFHM Asking as to pay the full amount at one ( LUMP-SUP PAYMENT ).

Again WFHM is trying to do ilegal activities.

This info is from CFPB home page. 

Forbearance ends with a payment plan, not a lump-sum payment Homeowners who receive XXXX  hardship forbearance are not required to repay their paused payments in a lump sum once the forbearance period ends. You can talk with your mortgage servicer, or start with a XXXX XXXX XXXX agency , to discuss a repayment plan that works for your situation.

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 2023-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached a FTC report with inquiries I did not authorize and I do not recognize. Please remove from my 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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Firstly, I never signed up for an account with PNC Bank. I signed up for an account with Simple Bank, which was bought out by BBVA, which was bought out by PNC. When Simple was closing down, their bugged app and website made it impossible to close my account before the BBVA transfer went through. My ( many ) attempts to cancel the account with BBVA were not successful before PNC then took them over. I was given an account with PNC that I never signed up for and did not want. 

It was extremely difficult to get the account closed, and took multiple phone calls to even figure out the status of my account. It had been marked as 'inactive ', it was explained to me, and therefore I needed to activate it again and wait for a while and then call them *again* to close it. I did this, and was told that the remaining funds in my account would be sent to me in five business days. 

I received the confirmation of the account closure on XX/XX/XXXXXXXX I still have seen no sign whatsoever of my money as I write this on XX/XX/XXXX. As to how PNC has handled that - I'm once again back on hold, and I've been on hold for so long that I've written and submitted this complaint while waiting for a representative to get back on the line. Hours have passed. The hold music eventually slowly and sadly died out, and now I'm holding in silence. Lol. I also repeatedly had to give this institution I never chose to open an account with my SSN so that I could even hear what was going on with the money I never chose to hand them. 

It seems unacceptable that an account I never wanted was opened in my name and now I'm spending hours over the course of months just trying to detangle myself from this mess and get my own money back. Every step of this has been absurdly difficult and tedious and what they have is my emergency fund, so I hope no emergencies come my way any time soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached a FTC report with inquiries I did not authorize and I do not recognize. Please remove from my 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 2023-02-02 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: HI

Complaint narrative:
Experian is refusing to remove hard inquiries that are not mine, not authorized by, and done so without my consent. 

My email, address, phone number, social security number, passwords to my account are all being sold all over the internet, pastebin 's, and are being reported on security websites, and paid for security watch by Experian. These are attached. My account and credit has been compromised.

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 2023-02-02 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-02 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:
Someone opened an account for XXXX XXXX XXXX in my name online shopping XX/XX/2022. Account was reported to the bank and closed and under investigation. XX/XX/XXXX someone again used my social security number to try to open an account with XXXX XXXX but was not successful.

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 2023-02-02 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: Nelnet, Inc.
State: AL

Complaint narrative:
Hello, I reached out to Nelnet in order to exercise my right to " Opt Out '' of sharing my nonpublic information with nonaffiliated third parties. According to two of their representatives, one being a supervisor by the name of XXXX, I was basically told that as a consumer I have no such right. So I even took the time to read what the law states according to 12 CFR 1016.10 ( a ) ( 1 ) ( 2 ) ( 3 ) ( b ) to her, which details how I was supposed to be given such notice at the time of the loan or soon there after, which I have NEVER received.This was quite disturbing to me, so therefore I tried to explain to them that, I as a consumer, definitely have such a right. I also explained the fact that I am NOT trying to avoid my obligation, I just simply would like to exercise my legal right of not having it reported to nonaffiliated third parties as the law clearly states I have the right to do. After we went back and forth about it, she checked with her superiors and returned with pretty much the same answer from them. I'm not sure if everyone there is just simply oblivious to the laws concerning this issue but it is something that really needs to be taught to those who are responsible for the handling of a consumers nonpublic information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: MI

Complaint narrative:
I have previously disputed this item with you > XXXX XXXX XXXX XXXX. Reference # XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 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: IL

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 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 2023-02-02 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: IL

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 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 explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
credit report shows a credit investigation or credit request with different last names and incorrect social security numbers

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 2023-02-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I bought an American Express prepaid gift card in XX/XX/2021, it has {$500.00}. I spent {$490.00} on a XXXX website. XXXX deducted a pre-authorization of {$0.00}, and these orders were canceled by the merchants. The money was returned to my card. Due to XXXXXXXX XXXX, I need to go XXXX  for a period of time and can not use this gift card. In order to prevent it from being stolen, I called a customer service representative and left my information to lock the card. When I came back from work, I couldnt find where is the card. I only left the number of the card in my mobile phone. I called the customer service and provided the personal information I left at that time, and apply to unlock my card, but Instead they asked me for the serial number of the card, I was never told to keep this serial number, just have the correct card number date and security code to use, no one told me to provide this serial number, I provided all the information I gave to the customer rep they couldn't help me, it shocked me, AmEx is a big company, how can they be so rude to take money from customers? it's really shocking to embezzle money in such a way, my card I can provide information but can't re-unlock my card, this is hard for me to accept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
I have a home-equity line of credit with Vectra Bank XXXX For the past two and a half years, I have been making regular payments with them and have no missed any payments. 

This year, they suddenly stopped accepting my checks. I would love to pay them, but they are not accepting my checks. Instead, they are calling me -- nearly daily -- asking for me to pay them over the phone, which incurs an additional fee. 

I have asked them to set me up on their website ; they refuse. They tell me I need various account information. I can't give it to them because they have NEVER sent me an account statement in two and a half years of having a loan with them. 

Basically, then, they're refusing my payments, they're not sending me billing statements, they're not allowing me to access my account, and they're trying to charge me more to pay over the phone. 

I've had it with them and their constant harassment.

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Using my Bank of America XXXX I did a balance transfer a XXXX XXXX  and paid the corresponding fee. Before the promotional period ended I started paying off the card in full and completed paying before the end of the last cycle of the balance transfer agreement. Bank of America still charged me an interest in the amount of {$44.00} I called the bank to complain and ask for a refund either full or partial and they won't do it. They stated that I didn't pay on time and the interest is valid. I have been a customer for over XXXX XXXX and never have made a late payment. They won't consider that I have been a loyal customer.

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 2023-02-02 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation