vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account NamXXXX XXXX XXXX Account Number : XXXX Account Name : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: GA

Complaint narrative:
Experian XXXX and XXXX have all said that my credit report was true and accurate and it is not. 
They are also under several USC violations.

15 USC 1681b 15 USC 1681c 15 USC 1681n And now 15 USC 1611. 

15 USC 1681b- states that any consumer reporting agency XXXX furniture Consumer report under following circumstances and no other '' in accordance with the written instructions of the consumer to whom it relates ''. Experian XXXX nor XXXX can produce this document because none of them had my written instruction to put these accounts on my credit report. 

15 USC 1681c- states that 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 conviction of crimes. '' 15 USC 1681n- I have received actual damages because of XXXX Experian and XXXX. I can attach the documents for proof as well. I want to be compensated as well. 


I want the accounts listed below to be removed from my credit report for not being true and accurate. I also want them remove for being under several XXXX violations. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
This is a billing problem with American Express XXXX cards -- I pay MONTHLY the balance in FULL. There is no carry over ( I do not use pay over time ). EVEN when paid in FULL each month by the XXXX ... ... they will put a CARRY OVER balance ( that was already paid ) with the payments due -- in reality-paying the same charges TWICE ( as they were paid the previous month. 

American EXPRESS said a XXXX  XXXX is going to review the account -- but I was working 2 jobs with a XXXX XXXX son and didn't pay attention -- just PAID the bills. He XXXX  and then some time later I started paying attention -- I charged {$2700.00} this month and paid already 1989 towards this bill ( should owe about XXXX total ). But the bill is XXXX as American Express added " previous balance of {$1000.00} " is why it's so high ( BUT this bill was already paid in XXXX each month including last month and there should be no previous balance. I went back over the entire year -- and this was DONE every month although the balance is ALWAYS paid in full by the XXXX as well as sometimes paying more ( say {$450.00} is due and balance is XXXX more from items after the closing I will pay {$700.00} and pay it all off... but still the ENTIRE balance will carry over as a PREVIOUS BALANCE?? 

When I called and explained this to American Express and then told them I was going to put in a complaint to you -- she then said they would have a " XXXX  XXXX '' call me within 24 hours to discuss my concerns. She was not able to explain to me why a balance that was paid in full each month is carried over ( charges not payments ) and PAID TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/22 a received emails that my new BOA account was created. I called their fraud department and created a claim that this was false. Claim # XXXX. I have called several times to find out why the account is still active and to find out why I keep receiving monthly statements. I have been hung up on or disconnected over XXXX times. I have gone to my local bank and they give me wrong numbers to call and can not assist and refer me to the fraud department. I have been nice just trying to close out a account I did not open and keep getting the run around. Account # 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 2023-02-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent over 8 faxes and 2 letters to dispute fraudulent inquiries on my credit report and all they did was delete 2 of the 7. They also deleted 3 accounts that I did not dispute. I don't know how they are doing their jobs but clearly, they are not doing a good job. This are the inquiries that they 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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XXXX XXXX XXXX  I received a notification from my credit monitoring service stating a formal credit inquiry from Comenity Capital Bank was made showing that I applied for a credit card with a company called XXXX XXXX. 

Apparently, Comentity Bank is a company that provides credit information which is used by retail organizations to issue credit cards. In my case, someone fraudulently used my credit information to apply for a credit card. 

I was never contacted by Comenity Bank regarding this transaction. Further, they do not provide contact information to the credit reporting agencies so it has been very difficult to file a formal complaint directly to this company regarding their fraudulent activity. It is no wonder that Comenity Bank has an " F '' rating with the XXXX 

I never applied for a credit card with XXXX XXXX, but a card was still opened without my knowledge or consent based on information that a was provided by Comenity Bank. This is a fraudulent transaction. As a result of Comenity 's incompetence, my credit score was adversely affected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
Good morning My name is XXXX XXXX, i have a home loan number XXXX with citizens bank for my home XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and i paid the first XXXX mortgages as the amount i agreed on {$3500.00} but i surprised that the bank send to me a shortage in amount of {$150.00} will be paid every month till the end of the year to be {$3700.00}, i didn't delay for any payment for any shortage, if they miscalculated and when they reviewed they found a shortage it is still not my fault, so why charge me more I need your help please in that issue or direct me for who may help, Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Gitsit Solutions, LLC.
State: TX

Complaint narrative:
In XXXX I was contacted by a GIT SIT SOLUTIONS stating they are the new loan servicer. Later they contacted me stating they are not only the Lender, but also the servicer. They stated they the alleged loan was transferred from XXXX XXXX XXXX XXXX XXXX XXXX. I have never had a contract with nor given consent to XXXX XXXX XXXX. XXXX has never disclosed themselves as the " Lender '', only the servicer. How could GIT SIT SOLUTIONS become the owner of an alleged loan transferred from XXXX  when XXXX was never the owner?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My mother owned a house and had a mortgage with Chase. She passed away in XXXX. 

Even though she passed away, I still have to file income tax for her estate for XXXX. Her estate still owned the house in XXXX. 

Chase did not provide me with a XXXX for XXXX. Apparently Chase 's policy is to stop providing XXXX 's for customers that are deceased ( despite the fact that the mortgage is getting paid and is still outstanding ). They have no problem sending notice to the IRS though. 

The XXXX should continue to be sent. Instead I had to call and escalate to a manager. I think this is an attempt by Chase to force the consumer to ( i ) refinance the mortgage to a higher rate or ( ii ) assume the loan. There is a third option for consumers, which is to simply keep it as is and take care of the mortgage. 

Chase 's policy is a way to get the best of the consumer who doesn't know their rights. Its very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: AL

Complaint narrative:
First, I contacted AIMLoan to inform them of changes to autopay, they said, it was too late to change, then charged me {$20.00} for a bounced check fee, even though I proactively notified them about the issue. 

Second, they keep messing up XXXX analysis every year, send me refunds, then immediately ask for the money back. 

The insurance sends a similar quote ever year. I dont know why they cant seem to do this correctly. Also, charging a consumer for a bounced check ( which was out of my control ), when I contacted them in advance to resolve the issue, just seems wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Self Financial Inc.
State: NC

Complaint narrative:
The payment history is inaccurate and the dates tagged as late were incorrect and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX, I was struck by an uninsured motorist. I contracted XXXX in the hospital. The company I worked for filled my position after I was out under doctors care for XXXX weeks. After losing my income, CMG Financial offered a forbearance and told me about the XXXX XXXX XXXX program. I was desperate to save my home so I accepted the forbearance even though I didnt understand what it was or how it worked. I went back to work XX/XX/XXXX. XXXX XXXX XXXX denied me because I earn too much. According to my XXXX I earned $ XXXX in XXXX. In received a statement from CMG advising as of XX/XX/XXXX, I owe XXXX. I called to get advise. They advised I would receive a packet in XXXX days that provided options. He added not to worry because I have XXXX  days to complete and return the packet. I called today because I have not received the packet. I was totally disrespected by the customer service agent that continued to speak over me when I tried to get clarity. At the end of the conversation, I advised, Im glad I recorded the call. I just want to get back on track to save my home. I need to know what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
Mohela customer service provides no option to speak to a representative. I made more payments than needed for Public Service Loan Forgiveness, and Mohela sent me paperwork stating they still can not forgive the loan. This is the issue I need to discuss with a representative from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I applied for XXXX to Mohela this summer. They said 90 days to process and issue my refund check. It's now XXXX and they still haven't even calculated my qualifying payments! When i call to inquire, Mohela reps are clueless and provide no information at all besides to wait. One rep told me today that my account is in good standing, employers approved, but they won't look at it for processing until XXXX 2023!! 

So, they said 90 days and now they're saying a year?! I would like Mohela to calculate my qualifying payments and issue my refund check now. Thank you. It has been more than 90 days - they need to do their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
As I was looking over my credit report I noticed a collection from Rent Recovery Solutions for the amount of {$5500.00}. I do not know who this is nor have I ever lived at the apartments that they are representing. This is a claim made back in XXXX and I lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX with my parents at that time and was also attending college.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: LA

Complaint narrative:
I have recently reviewed my consumer report and noticed some unauthorized inquires & accounts on my report and my right have been VIOLATED. In pursuant to 15 USC 1681 section 602A, I have the rights to privacy along with 15 USC 1681 A section 2, a consumer reporting agency can not furnish an account without my written or oral consent/instruction which I did not give. None of the creditors complied with the gramm leach bliley act ( 15usc6802 ) i was never given the ability to opt out and my information was used without my permission which is identity theft. The hard inquiries & a few accounts on my report constitute being identity theft as well because the corporations that furnished them on my consumer report never had permissible purpose or written permission by me to even put them on my report. the permissible purpose law ( 15usc1681b ( A ) ( 2 ) & the GLBA have been violated which results in identity theft. 18usc1028 ( a ) ( 7 ) defines identity theft which is someone possessing, transferring or using a means of identification of another person unlawfully. Failure to comply with FCRA can cost anywhere from XXXX to {$1000.00} per violation, in addition to punitive damages determined by the courts. With that said, these companies has not only infringed my right to privacy but also violated multiple Federal Laws. I have also reported this to the Federal Trade Commission, reference # XXXX. Below will be a proper list of inquiry names with dates & accounts that I demand to be removed/deleted from my consumer report immediately! 

XXXX. XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXXS ON XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX, XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX XXXX FXXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX & XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my Experian, XXXX and XXXX credit reports. I have found inaccuracies. I was never late on my XXXX credit card account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. 

XXXX Credit Card : Reporting 2 late payments XX/XX/XXXX and XX/XX/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 2023-02-13 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: GA

Complaint narrative:
I did not authorize these inquiries. I have included the Identity theft report as well. 

XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023

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 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MI

Complaint narrative:
There was a fraudulent activity on XXXX account resulting in a collection. This collection is from an XXXX Account that was opened in Texas in XXXX name. I have never lived in Texas. The applicant put a Texas address. The collection agency was XXXX. XXXX, XXXX After disputing with them in XX/XX/2022. I was able to get the collections removed. 

Now another collection agency called ERC XXXX is trying to collect on the debt. After multiple attempts to reach out to ERC Systems they are non responsive. 

I need this collections removed from my Credit History ASAP. I have never opened up an XXXX Account in Texas.

Company response to consumer: Closed with explanation