vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
Mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage with the incorrect loan end date. I have a XXXX year mortgage not XXXX  years. This transfer was initiated between these two companies, I have no control over this. But yet they both are trying to make me do the work to correct their mistake. I already have a full time job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Starting in XX/XX/2023 I attempted to close by Citi-Bank credit card as it as no longer needed. I first tried closing the account on-line through the Citi-Bank website . When I notice a few days later that the account was still open, I called the service number and spoke to a person. I was very adamant that I wanted the account closed and that I was not interested in the incentives offered to keep the account open.

Today I received a monthly bill from Citi-Bank . As I have not used the card for many months, there were no charges on it and nothing is owed. But the account is plainly still open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
Attempted to speak with a representative over the past XXXX weeks with no success and wait times for hours with no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Supreme Lending
State: GA

Complaint narrative:
XXXX XXXX XXXX  illegally and incorrectly reported a payment as late and their representatives refused to offer any solutions as required and required under the terms of The Cares Act. Not only has XXXX XXXX XXXX repetitively displayed miss conduct and unethical behavior, they have also refused to respond to a letter I forwarded requesting assistance and couldn't provide adequate notice and/or a reason as to why I was not notified of a late payment. 

Furthermore, records show that during the transition from Everette Financial ( Supreme Lending ) to XXXX XXXX XXXX, proper documentation was lost that included details of my home owners insurance with XXXX to lapse. 

Under the Fair Credit Reporting Act, a person can receive a copy of a call if the individual requested the conversation is in a lawsuit against the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I spoke to representative XXXX I believe was her name and she lied to me about Barclays sending me a letter last month of my credit decrease. She did not listen to my question and frustration that my credit was decrease almost a year ago before then transition of banana republic synchrony to Barclays. She seems very Sarcastic when I asked her about policy time frames of when does the bank realse the letter and just told me to call a different number. I was an associate banker at chase and I know this is not tolerable service not only it was rude but it was also the fact she lied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NH

Complaint narrative:
I was told my account was past due with Nelnet. I called when I got my first letter from nelnet and over the phone on XX/XX/XXXX made my account current And set up automatic payments going forward. 

Nelnet failed to process both my initial payment and my automatic payments and never notified me that it remained delinquent. After a month they transferred my loan without giving me notice. 

When I called Nelnet they had difficulty finding the XXXX in payments I made despite my having the verification codes of these payments and proof theyd been deducted from my bank account. 

My account remains in default- hurting my credit. They want me to pay all over again but I dont feel comfortable sending more money to a company that cant find the first money I sent. It was never returned to my account. When I asked why it never processed they said some payments could take months to process. How can an account be marked past due when their payment process is the reason a payment is late. I now have additional interest on this loan and my score keeps going down. I made these payments in XXXX. They transferred my loan end of XXXX. They said the new loan company should have my XXXX payment. I called and they do not. Nor do they have any indication that it will be coming. Im currently fighting with my bank to get the payment marked fraudulent so I can get the money back and make my loans current. Nelnet refuses to refund me or provide a receipt on their end that that money was transferred to the new loan holder.

Nelnet needs to fix my credit score And refund me the interest and original payments at Minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: TN

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 XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX I Account number XXXX, XXXX XXXX XXXX I Account number XXXX, XXXX Account number XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number Account number 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: TN

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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX I Account number XXXX, XXXX  Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number Account number 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 2023-11-08 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: OR

Complaint narrative:
my trip was to XXXX XXXX XXXX at XXXX there was a charge on my card from XXXXXXXX XXXX  there was only XXXX on the card but I was told the charge was XXXX. I called and stopped the card and put a hold on it. they said they money might come back. so I waited a few weeks and nothing. I then contacted them again and now was being told I have to submit a claim form, ( never was told that in the begining ) so I did that and they won't give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
To whom it may concern, I have been trying to complete a Qualified Assumption with Bank of America for the last two months. The security interest in the house is mine as outlined in the Property Settlement Agreement. The deed has been updated with the county registrar. I've been making the mortgage payments since the divorce ( XX/XX/2023 ). I've proven sufficient income and have a high credit score. Bank of America has asked for an unreasonable amount of documentation and explanation for transactions on my accounts. Bank statements, Letters of Explanation, Retirement account statements, multiple transactions ( loan payoff/pay down ). Seems that no amount of documentation satisfies their demands. It is becoming increasing clear they do not wish to process the Qualified Assumption. I have to believe this is related to the interest rate of 3.5 % on the mortgage. I can provide dates and complete descriptions of the documentation provided. They literally have copies of every financial transaction as well as letters of explanation for everything that's transacted for the past XXXX months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Hi, my name is XXXX XXXX, and XXXX years ago I had lost my debit card and I think somebody had tried to scam on it. I didnt realize I have lost my card until I had to use it and then I went into my app and it was telling me that I dont have an account anymore, because somebody tried to use my card and put a significant amount of money in my account I tried to make an account for a different bank and he wasnt letting me I had got a letter from early warning about it and I dont know what to do next

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are unauthorized inquires on my credit report. I have attached a ftc report that shows unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX ( last XXXX of XXXX XXXX ) XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX Date Of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Of Inquiry XX/XX/XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date Of Inquiry XX/XX/XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX ( last XXXX of XXXX XXXX ) XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX Date Of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date Of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2019 an inquiry was reported to my consumer report and I didnt no authorize that inquiry. My private information was reported to equifax, XXXX and XXXX without my consent and that is a form of identity theft. Furthermore I called equifax and and they did not adhere to any of my complaints. I called XXXX and spoke to XXXX ID # XXXX and she told me she is a not a credit bureau specialist and doesnt know why I was never sent a 1099-C form for my alleged charge-off. I asked XXXX was her company a furnisher of information and she replied yes. So I asked her does she know 15 USC 1681s-2 responsibilities of furnishers of information to consumer reporting agencies and she told me no. I repeatedly asked why I never received a 1099-C form for this alleged debt and she had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Was informed I was mailed mortgage modification by mail and I broke the agreement by not making the required payments. I did not receive the Trial modification agreement by mail. I have spoken with customer service to let them know this. I also found out my mortgage loan is a line of credit that can not be modified because of the type of loan. 
I trusted Wells Fargo to give me a XXXX FHA loan , but they did not. Wells Fargo should be investigated for deceiving me and putting me in this position to lose my home to foreclosure. My mortgage assistance request has been sitting in the intake dept, with Wells Fargo. They refuse to process my mortgage assistance request. I have not received a foreclosure letter from the foreclosure attorney. I was told about the foreclosure by a person that contacted me to purchase my home. 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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learned that I had numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Rock Solid Funding, LLC
State: TX

Complaint narrative:
I tried to check with Rock Solid Funding LLC to see if I can take with someone from their agency to get a loan for an RV and they ran my credit twice without my approval

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 XXXX Account XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an ongoing fraud case with all three credit bureaus, as I have several credit card accounts with fraudulent activity or accounts that simply aren't mine. Anyhow, representatives from Bank of America, one of the companies to which I allegedly owe about {$12000.00}, approach my house and threaten civil action against me and threaten to find me at my place of employment. Today, XX/XX/2023, they approached my XXXX XXXX and had her so upset that she had XXXX XXXX and had to seek medical attention. Their representative also went to several neighbors asking for my whereabouts. This is harassment in its lowest form, and it is now verging on XXXX  abuse. I have reference numbers from my fraud case if needed. Please contact me whenever you need to. Thank you.

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