vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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: Financial Credit Network Inc
State: CA

Complaint narrative:
Fin CR netwk- XXXX XXXX XXXX XXXX was opened not by me, but was open fraudulently by someone else on XXXX which now amount on the account report balance is XXXX XXXX Ive tried to dispute this problem numerous of times, but no luck I never lived in XXXX XXXX, and my credit report said that the company is in XXXX XXXX I had lost my wallet back in 2019 which contain my drivers license and my social security card.I then reported fraud on my social security number once I found out that my ss # was being used fraudulently. Please I need to dispute these fraud charges that are pending against me thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX XXXX : XX/XX/1982 To Whom This May Concern, Hope your day is well. Please remove my extended fraud alert from my Experian credit report. I was a mistake and I wish to have it removed. 

Thank You, 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 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
An account was illegally opened in my name in a case of identity thief. Bank of America then not only closed the illegally opened account, but all my accounts that were in 100 % good standing. They then demanded immediate payment of all debt which forced me into financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
After a COVID Deferment, a loan modification was prepared in XX/XX/XXXX. FROM THE TIME THE MODIFICATION WAS PREPARED IN XX/XX/XXXX UNTIL IT WAS ACCEPTED AND PROCESSED BY SHELLPOINT ( IN XXXX XXXX ), THE ACCOUNT WAS LOCKED AND WE WERE FORBIDDEN FROM MAKING PAYMENTS. SHELLPOINT HAS ERRONEOUSLY REPORTED US DELINQUENT DURING THIS PERIOD AND REFUSES TO CORRECT THEIR ERROR. 

Once provided to us, I had the loan modification documents notarized locally ( at XXXX ) on XX/XX/XXXX, as suggested, because Shellpoint indicated that their mobile notary was backlogged at the time. We sent the signed and notarized documents to Shellpoint on the same day they were notarized. We were advised to check the Shellpoint website to see if the modification had been processed and to then make required payments. The representative said no payments could be made ( online or by phone ) until then because the account had be locked due to the pending modification. I checked the website almost daily in an effort to make payments. 

We were never contacted and the account remained locked. Accordingly, I called Shellpoint and was to told that the notarization was somehow defective and would need to be signed and notarized again. Shellpoint indicated they would have their mobile notary contact us to schedule a signing date. The notary never contacted us. 

I called Shellpoint 's representative numerous times. Eventually, he gave me the phone number of the mobile notary and I was forced to personally scheduled the signing. The modification was then signed, notarized, and sent to Shellpoint late in XX/XX/XXXX. I continued to check the website on an almost daily basis to make a payment, but the account remained locked until late XX/XX/XXXX, at which point almost {$20000.00} in required payments were made immediately. 

In short, due to the locking of the account BY SHELLPOINT from XX/XX/XXXX to XX/XX/XXXX, we were unable to make payments from XXXX to XX/XX/XXXX. Our credit report now indicates that we were delinquent on payments from XX/XX/XXXX to XX/XX/XXXX- exactly the time period during which the account was locked by Shellpoint. I would like the reports of " late '' payments removed from my credit reports with all three credit reporting agencies as soon as possible. This will be necessary for both borrowers- XXXX XXXX. XXXX and XXXX XXXX XXXX. 

Complaints were made to Shellpoint in XXXX XXXX and XX/XX/XXXX regarding these issues without relief. In addition, disputes were filed with the three credit reporting agencies in late XXXX and no changes to our credit repots are evident.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: HEARTLAND PAYMENT SYSTEMS INC
State: MS

Complaint narrative:
I sent off a debt validation letter on XX/XX/2022 via registered certified US mail that was never responded to nor acknowledged by XXXX XXXX. Pursuant to 15 USC 1992c ( d ) I had my wife to complete a recorded call and speak with a representative about deleting the account in the amount of {$14000.00} off of my credit report as I have never given consent for them to report on my behalf ( 15 USC 1681a ). She unlawfully refused to speak to my wife citing that she is not account holder when my wife is lawfully able to speak as a consumer ( 15 USC 1992c ( d ) ). Also, this account is fraud and identity theft as the consumer credit transaction of the alleged account is already completed ( 18 USC 1028a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NE

Complaint narrative:
I opened my account on XX/XX/2022. The following day, I received an email stating that my account was locked and to contact customer service. I first emailed and was told that they could not help me unless I emailed them " a picture of your valid government-issued ID and the last 4 digits of your Social Security number. Please also provide a clear photo of yourself ( selfie ) holding both your ID and a piece of paper with your name and today 's date written on it for verification purposes. '' ( As an aside, I used an XXXX email alias as my username as I generally avoid re-using usernames across financial accounts for security purposes. I am able to reply to emails sent from this XXXX alias, but not to send a new email. I was unaware that this could pose a problem when I opened the account. ) While I understand the need to verify a customer 's identity, it is not safe or secure to send the requested type and amount of personal information by unencrypted, regular email. Instead, I called customer service and was told that my my account was suspended due to a violation of the terms and conditions. Please note, I had not conducted any transactions on the account or used it in any way. The only possible transaction was a trial deposit from my other bank to link the accounts. I had already verified my identity during the account opening process ( including giving my drivers license and a selfie, as requested ). 

Nevertheless, the representative on the phone told me that I needed to verify my identity to request the suspension be lifted, again by sending via unsecured email : a picture of my driver 's license AND my passport, the last four of my social security number, and an additional proof of address, such as a bill. I asked whether there was a secure message portal I could use to submit this information and was told no. The only way to send this very sensitive personal information is by unsecured and unencrypted regular email. There are absolutely zero cybersecurity experts or organizations that endorse using regular email to send your social security number, driver 's license, passport, or other information as this information could intercepted and used to steal your identity. It is shocking to me that Chime, as a tech focused company, does not have a secure way for its customers to communicate sensitive personal information. 

After the phone call on XX/XX/XXXX, I decided I was not comfortable risking my identity by sending the requested information unencrypted and replied to the email chain asking Chime to close my account. Instead of a responsive reply, I received another email asking me to send my personal information by email before they could assist me. It has been more than a month and I have not received confirmation that the account was closed. 

I am concerned that Chime has not followed my instructions to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have POA for my XXXX XXXX XXXX XXXX who XXXX. Our Attorney reviewed the POA document and advised it was good for managing her financial, personal and health maintenance and more. My sister is currently in a XXXX XXXX XXXX XXXX XXXX XXXX release her to an XXXX XXXX XXXX XXXX XXXX. We have located one and are having her transferred but our local BB & T branch holding her money will not allow me to allocated the funds. The doctors,  attorney, XXXX XXXX XXXX, pharmacy and everyone else is in agreement that our document is valid and was executed two years ago prior to her XXXX progressing to the state where we have to assist her in order to keep her safe. This document has even been registered with the NC Dept. of registrations and deeds. I do not want her funds for my personal use but solely to pay for her own personal needs. Because she has a sizable amount of money in the bank the NC Dept of Health and Social Services advises they can not assist with any ongoing healthcare cost until her personal funds are reduced to only {$2000.00}. We need to get her assisted living fees set up as autopayments and need to have access to other funds to pay her other bills and personal maintenance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I have been paying my student loans since Before I graduated and also because of covid, all accounts were put on forbearance yet theres a demarcation on my credit report which is affecting my ability increase my credit and Ive been making payments as well since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
Good Morning, I had a loan at J.D. Byrider I voluntary surrendered my car. I told them many times that they do not have permission to take money from my account and they keep doing it. Today they took the payment again without my permission and it was from a credit card not my debit card. The total amount was XXXX. XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: OK

Complaint narrative:
I disputed two items on my credit report and they pretty much told me that the two items I disputed about was mine. I have a twin her name is XXXX XXXX and mine is XXXX XXXX. Our SS # 's are two numbers off, we live at the same house and work for the same company. I am at my wits end with this. We are XXXX different people and they keep saying her XXXX is mine on my credit report. I want it fixed, and at this point I don't know which way to go other than investing money I don't have for an attorney to get this rectified. Please give some incite as to what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: MD

Complaint narrative:
This is the 12th time I have contacted equifax about the following inquires that are Unverifiable and not mine that are reporting on my credit report nd still nothing have been done the only response I get is that the INQUIRES ARE FACTUAL and the following inquires are not factual : 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 If these inquires are factual : a ) Tell me in writing what information you received from this creditor to support the presence of this Inquiry. 

B ) Tell me in writing what you did to determine that the information the creditor provided was accurate. 

c ) Note how the information was relayed to the creditor and the EXACT information ( type/kind ) that was provided to your bureau as PROOF of the accuracy of these late Inquiry. 

EQUIFAX DID NOT PROVIDE ME WITH NONE OF THIS I DON'T UNDERSTAND. I did not authorize or give CONSENT to anyone employed by the this company to make any inquiry and view my credit report. Further more I did not GIVE any kind of instructions to report this ALLEGED inquiry on my credit file. U.S.C. 1681b ( a ) ( 2 ). 15 U.S.C 1681b ( c ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX {$14000.00} also Account XXXX XXXX  {$18000.00} also Account XXXX XXXX {$16000.00}, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  {$14000.00} also Account XXXX XXXX {$18000.00} also Account XXXX XXXX  {$16000.00}, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Good Morning, I have complaints for XXXX and Synchrony bank store cards. My credit limits have deceased with these banks after either I made purchases with the approved limit or after I paid off my balances and waiting months to use the card. It's happened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  American eagle Store Card, Tj Maxx Store card, and now my Ikea Project store card. The Ikea credit decrease was the last straw. I opened the card in XXXX. I made purchases then paid off the balance in full in XXXX XXXX I never missed a payment never had a late payment. My limit with the Ikea store card was {$5000.00}, after I paid it off in XX/XX/XXXX I didn't use the card again until this XXXX. I made purchases with the available credit limit of {$5000.00}. My purchase total was {$1700.00}. A few days after the purchase I receive an email stating I had a secure message> I log into my account to find out my ikea credit limit was decreased to {$700.00}. I have already made my purchases, so this puts my account over the limit by {$1000.00} and my credit utilization will now be affected> I started looking into the other store cards I had this happen with and they did the same> of course my credit score is bad because their practices make it seem like I am spending more than what In have, which is not the case. so when any other credit company do their checks they close the card or lower my limits. these practices are UNACCEPTABLE. Please can someone help investigate this, I'm sure they are doing this to other consumers. I have reached out yo Ikea XXXX XXXX to have them at least put the limit to the purchase amount I was told I have to request a credit increase, they review accounts monthly to check for good standing. I was in good standing so why the decrease?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
A company called AFNI ( XXXX ) keeps calling me and asking for someone else. I've told them repeatedly it's the wrong number, but then they start harassing me about whether I know the person and whether I have contact information for them. I don't even recognize the name, and I've told them to stop calling, but they keep calling me. How do I make them leave me alone? This feels like harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It started in XXXX. I have a twin brother and our credit files were mixed up. At the time, he was stationed in XXXX so we did not realize the mishap until after he returned in XXXX. 

The credit bureau is Equifax. Despite numerous phone calls, him and I both mailed our personal documents in, the issue has not been fixed. Between XXXX, we have both mailed in our documents on more than one occasion and when contacting Equifax, we are always told that our files can not be found. However, every year, Equifax somehow continues to update files that they cant locate. 
Just recently ( XX/XX/XXXX ), I resent my documents-this time certified mail and attempted to follow up this past week and was hung up on all six times that I called and all associates refused to give me an update. I wanted to make sure that my documents had been received as I understand the actual investigation takes thirty days. I even requested to speak to a supervisor, who also hung up. Pre-pandemic, I attempted to arrange an in person meeting as I live twenty minutes from Equifax headquarters, also refused and hung up on at that time as well. 

Currently, reported inaccurately is : XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX : {$5000.00}, XXXX XXXX XXXX XXXX  : {$1900.00}, charge-off These are not my accounts. Equifax has also denied mailing verification for all accounts listed. 

I have attached the letter that was mailed to Equifax on XX/XX/XXXX. It was received and signed for on XX/XX/XXXX.

Company response to consumer: Closed with explanation