vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-26 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:
Excuse me, I believe that I have the right to dispute any inaccurate information on my credit report as stated by the Fair Credit Reporting Act. I take the accuracy of my credit report very seriously and would appreciate your assistance in rectifying any errors. 
I understand that creditors are required to document and validate the information included in my credit report before using it. I am confident that the allegations of delinquency and derogatoriness against me are false, and I would like to request evidence that supports the negative status of my accounts. I kindly ask that you include proof of a permissible purpose for the inquiry or account within my report.

Additionally, under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.

Failure to respond satisfactorily will result in a small claims action against your Agency. I w ill be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

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 2023-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
Amerihome mortage is not accepting prepayment of my loan Loan 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 2023-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: City Enterprises, LLC
State: VA

Complaint narrative:
I paid off the car XX/XX/XXXX. I was told XX/XX/XXXX that they would send the title. I confirmed it's fully paid off. I got home from a trip the XXXX, not there. I called, they said it was sent. I got home from a music festival the XXXX, not there. I was told go to the clerks office and get a duplicate title. I go the XXXX to the clerks office, it's still showing the lien. I move on the XXXX. I called to get an email with the VIN. The person who can do that is out until Monday and nobody will send the email. They won't give me a copy in person. Its my car. I own it. This is a class C misdemeanor apparently in Tennessee. I have to have it the XXXX and they've been nothing but rude. I've had to take work off to do 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 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2023-09-26 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: National Consumer Telecom & Utilities Exchange, Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. 
I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. 
I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was getting a call from this bank at least 5 times a day so I went to the bank to find out why they kept call me because I didn't bank with them. That's when I found out that someone had open an account in my name and found out certain information. They closed the account and told me that I needed to file 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 non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: IQOR US INC
State: MO

Complaint narrative:
The companies involved are XXXX and Allied Interstate LLC. I defaulted on these loans in XXXX. Upon default I experienced aggressive collection tactics that I feel were illegal. This complaint is mostly about Allied Interstate LLC though XXXX is the company that contracts this scum and is subject to a relevant lawsuit settlement. They called my co-workers and boss at work. They called my boss at my former job. They contacted my father at work and home. They also contacted my mother ( who had no link to these loans ) at home and work. They talked with my boss about the personal business of my private student loans. On one particular phone call I had with them threatened to ruin my life over these loans. Everything they did was to scare me into some kind of payment. They pressured me into " borrowing '' money from a family member to settle these loans. I ultimately talked my father into settling the loans for me. I was never able to pay him back and that has damaged our relationship. I later found out XXXX was subject to a lawsuit settlement ( link included below ) that I would have qualified for if I hadn't settled the private loans .... I have contacted Allied Interstate LLC since the settlement of my private loans for settlement documentation. The only thing they will provide me with is receipt of my settlement payment. They will not send me any other official documentation of my loan settlement. I would really like to sue them over there tactics however I think it's too late. I was cheated top to bottom by these companies. I know there isn't anything I can do to fix this for myself. However, these companies need to be investigated and shut down. 

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 explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX auto detailing with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX has stolen my information and opened a capital one quicksilver credit card with a limit of {$300.00} in XX/XX/2023. I called all credit Bureaus and capital one to report the fraudulent transaction. I requested capital one to send me a copy of that application so I may take it to the police to press charges but they explained to me that they can not do that. I have opened a case with the XXXX XXXX police dept with case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I sent payment for my payment to be taken on the XXXX. It is now the XXXX and it is still processing. 

I tried calling on the XXXX but the wait time was over an hour and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX  I was charged $ {$74.00} in overdraft fees for " pending '' transactions without my account ever being truly overdrawn on the statement. When I asked to provide more information, they told me it is due to overnight processing and that they " predicted '' my account being in the negative. I called and asked to provide me details as to why and if they can reverse the fees since my account was never overdrawn. The call was escalated to a manager so I can make sure they understood my issue. XXXX ( manager ) was extremely rude, kept telling me that i was interrupting him when I was asking him to explain what happened. XXXX asked me to pull up an overdraft notice which had a different balance on it that what I would see online or through the mobile app. when I asked him how this is different, he said I was interrupting him, when I asked to speak to his manager he said no and hung up on me. I called again and they reversed one of the overdraft fees but not the other because they have a 1 fee max reversal policy. I feel like this is abusive practices when the account holder is not able avoid this fee. 

My ending balance on XX/XX/XXXX  was {$51.00}, XX/XX/XXXX  was {$11.00} and on XX/XX/XXXX  {$1200.00} so I am a little confused to why I would be charged overdraft fees when my account was never really overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
Wife passed in XX/XX/2019. At that time, when I submitted credit applications, I was listed as dead. I finally got it straightened out, or so I though. I keep seeing my length of credit 3 years and months old with my oldest account being XXXX XXXX XXXX. I am almost XXXX XXXX XXXX and have had credit since I was XXXX. Would like all three credit bureaus review my records and correct so that I might just have a better 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 explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
By mistake, I paid property taxes. Mortgage company paid them as well out of escrow. The contact numbers I used are : XXXX or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am the heir of a property with a mortgage serviced by Newrez. Newrez took over servicing on the mortgage from XXXX XXXX on XX/XX/2023. XXXX XXXX had already recognized me as the authorized representative of the estate ( as of XX/XX/2023 ) I contacted Newrez on XX/XX/2023 to change the name on the mortgage because I am now the sole owner of the house and the estate has been closed/discharged by the court. I have all necessary legal papers to prove ownership and final disposition of the estate. 
Newrez provided the following information ; XXXX. I was told I could not change the name on the mortgage and it must stay in the estates name. 
XXXX. I was told they had no record of me being the legal representative for the estate or the mortgage. 
XXXX. I was told I must have a property insurance policy in the name of the estate. I am the legal owner of the property therefore the insurance is in my name but the estate is a named as an additional interest in the property insurance. That was not acceptable according the the letter I received from Newrez on XX/XX/2023 XXXX. When I asked to escalate the case the Newrez call center representative said I had no standing to escalate and that no one in the company could help me. Said I must accept that the only name on the account can be the estate 's name. The call center representative told me my only recourse was to seek legal counsel at my own expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am asking for this company regional acceptance to understand, I left my job due to XXXX of XXXXXXXX XXXX and having to raise grandchild. I found a mediocre job but had trbl paying- I started another job, better paying. i Started to resume payments - The problem is this, regional makes more then 3 calls a day - I can not answer the pbone during the day. Yesterday they called my boss cell phone - I put in writing to them to stop calling. - b4 losing job i made faithful payments for 4 yrs straight - one operator XXXX there is being too aggressive with the calls and told me she has a right to call. I made a XXXX payment last night ( borrowed $ ) and she called 5 minutes aftr payment and said she needed more - this has become so stressful i cant function- i have XXXX left on loan - just took second job at XXXX XXXX im so worried regional will be the reason i lose this job - from harassing calls- please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been trying to transfer my mortgage proceeds out of my checking account and into a savings account at a different bank. I was able to transfer roughly 85 % out to this separate account, but have spent the past week trying to get the remainder out. Each time I try to transfer, Chase cancels the transaction and deleted the account from my approved transfer list. Each time I have called chase and they have told me I need to use a wire transfer, which incurs a fee. They have repeatedly told me the only way to get my money out of the account is to pay this fee. 

Ive spent over 2 hours on the phone with them in the last week and they have not been able to tell me what the issue is- they just keep repeating that I need to pay the wire fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Incorrect information posted to 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 explanation