vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I'm a fist time home buyer hoping to purchase my dream home, then I choose Citi bank to finance the mortgage everything was going well until they change my loan office in charge of my loan. the people who took over from her was very negligence. my closing day was supposed to be XX/XX/2023, and the loan processing started since XX/XX/XXXX, 2023. it was always very difficult to get the loan processor on the phone, and if I send her email her respond delay. we have 45 days to go through this whole process. all document they ask was sent promptly. last week when I see the closing date was getting closer, I have to send another email and copy customer service. each day I will not ear from then, until i send an email and they will respond that I should send another document, which I will send to them right away. this was going on and on until we get to this point and the seller of the property have decided to cancel the contract. because my closing day past and loan have not still clear to close. they now promising Friday XX/XX/XXXX for closing. I put a lot of time and energy in this. i want to be compensated for my time and return my {$650.00} i have earlier paid to them for processing fees. this is due to their staff negligence. they treated me very very bad.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29 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: NJ

Complaint narrative:
Ive been trying to get these fraudulent accounts off of my credit report for over a year. I have contacted the bureaus and did exactly what they told me to do, but they refuse to remove them.

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 2023-09-29 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: NJ

Complaint narrative:
Ive been trying to get these fraudulent accounts off of my credit report for over a year. I have contacted the bureaus and did exactly what they told me to do, but they refuse to remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My issue is with Navient. 
I have two accounts the first one is as follows : In the past 4 years ( this is only how far back I can see with XXXX XXXX ) I have paid {$15000.00} on a {$18000.00} loan and they are still showing I owe them {$19000.00}. My balance went up by XXXX. I had three missed payments between 5 to 7 years ago and I don't see how they could be charging a {$20000.00} late fee. 

The Second one is for a loan for {$5000.00} that shows I owe {$5800.00} ( XXXX ) In the past 4 years I have paid them {$4500.00} Please keep in mind I am only able to see back 4 years with XXXX XXXX If I recall I took over paying them when they were past due by 3months around 7 years ago and have never missed a payment since. That would mean I have paid a total of {$34000.00} on a total loan amount of {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
ALL I KNOW THAT LOWE 'S ADVANTAGE GROUP .. IS NOT HELP NO ONE CAN'T HELP YOU WITH NOTING!!! 
HELP COME FROM THE CREDIT BUREAU...

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 2023-09-29 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: MI

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 the USC 1681. 

XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 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 2023-09-29 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: MI

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 the USC 1681.

XXXX account # XXXX  has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 2023-09-29 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
A company called Xactus LLC performed a hard credit check on my report on XX/XX/2023. I have neither knowledge nor given approval for any company to do this. I suspect fraud and when I reached out to company it seemed suspicious and like a phishing scam and they were unwilling to give any information out unless I provided them with tons of personal information, which I did not cause they appeared to be suspicious. I looked up the company and they are notorious for pulling hard credit checks without consumer approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking Remove XXXX late payment. 

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 2023-09-29 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: PA

Complaint narrative:
Fruad inquiries appearing on 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 2023-09-29 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.

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 2023-09-29 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Re : Dispute of Serious Delinquent Items and Negative Entries on Credit Report Dear XXXX, I am writing to bring to your attention serious concerns regarding my credit report. I have identified multiple delinquent items and negative entries that are inaccurately reporting on my credit profile. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into these matters. 

Verification of Identity : Full Legal Name : XXXX XXXX XXXX Full Legal Social Security Number : XXXX Full Legal Residence Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX I am aware of my rights under the FCRA XXXX and I believe it is your responsibility, as a credit reporting agency, to ensure the accuracy of the information on my credit report. These inaccuracies have significantly impacted various aspects of my life, and I am seeking your prompt attention to resolve these issues. 

I urge you to conduct a thorough investigation into the delinquent items and negative entries on my credit report. If any of these entries are a result of fraud or identity theft, I expect you to take immediate action to rectify the situation, in compliance with the FCRA. 

I appreciate your full and undivided attention to this matter, and I expect that it will be handled without any excuses or errors. I am confident that you will address these issues promptly and accurately, as required by law. 

Thank you for your prompt attention to this matter. I look forward to receiving a written response within the time frame specified by the FCRA. 

Sincerely, XXXX XXXX XXXX Note : Make sure to mail this letter via certified mail with a return receipt requested to ensure you have proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Re : Dispute of Serious Delinquent Items and Negative Entries on Credit Report Dear XXXX, I am writing to bring to your attention serious concerns regarding my credit report. I have identified multiple delinquent items and negative entries that are inaccurately reporting on my credit profile. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into these matters. 

Verification of Identity : Full Legal Name : XXXX XXXX XXXX Full Legal Social Security Number : XXXX Full Legal Residence Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX I am aware of my rights under the FCRA XXXX and I believe it is your responsibility, as a credit reporting agency, to ensure the accuracy of the information on my credit report. These inaccuracies have significantly impacted various aspects of my life, and I am seeking your prompt attention to resolve these issues. 

I urge you to conduct a thorough investigation into the delinquent items and negative entries on my credit report. If any of these entries are a result of fraud or identity theft, I expect you to take immediate action to rectify the situation, in compliance with the FCRA. 

I appreciate your full and undivided attention to this matter, and I expect that it will be handled without any excuses or errors. I am confident that you will address these issues promptly and accurately, as required by law. 

Thank you for your prompt attention to this matter. I look forward to receiving a written response within the time frame specified by the FCRA. 

Sincerely, XXXX XXXX XXXX Note : Make sure to mail this letter via certified mail with a return receipt requested to ensure you have proof of delivery.

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 2023-09-29 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express failed to return the fund that I paid to an archived Amex XXXX credit card account that has been inactive with {$0.00} balance since XXXX The payment was made on XX/XX/XXXX in the amount of US {$1300.00}. I have a proof of payment for the transaction ( attached ). And I have a recording of the Amex automated telephone system confirming that Amex received and processed the payment in the amount of {$1300.00} in this account on XXXX XXXX XXXX 

Payee account number : XXXX Amount : {$1300.00} Trace number : XXXX Transaction ID : XXXX Sent on : XXXX  Payment effective date : XX/XX/XXXX Payment processed and posted by Amex on : XXXX  ( I have a recording of account payment history by Amex confirming this ) However, despite repeated calls to Amex card customer service to have them return the payment to me, I was given the run-around by the agents. The first Amex agent told me to contact XXXXXXXX XXXX  to recover the fund. XXXX told me Amex no longer transfers the fund paid into the archived Amex account to XXXX. The second Amex agent I called told me internal bank procedure stipulates the fund should be released and returned to originator within 14 business days, and advised me to call back Amex on XX/XX/XXXX to raise an escalation to have the fund returned, if I do not receive the fund back by XX/XX/XXXX. The fund has not been returned by that date, so I called Amex to raise an escalation. The 3rd Amex agent said he can not raise an escalation to return the fund until 60 days has passed. Today, more than 3 weeks after that payment, Amex still is holding my money illegally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email invoice informing me from PayPal that I had an invoice requiring payment of {$540.00}. It also said if I suspected fraud the I should call XXXX. I did and they attempted to refund my money by me loging onto my laptop and on to my bank ( XXXX XXXX XXXX XXXX. They told me I filled out the form wrong and they transferred {$2500.00} instead of {$540.00}. I thought I did the form right, but they said I didn't. Now they wanted to get the remaining amount back by asking me to go to XXXX to get gift cards to total the extra amount that they sent and blamed me for not filling out the form correctly. (XX/XX/XXXXme ) XXXX was told to leave my computer on and to to XXXX. I went to my bank instead. They informed me it was a scam. The bank received a debit of {$440.00} from them. They are phishing. Pay pal had a small paragraph about not responding to this email.. but I didn't see it. XXXX XXXX was the name of the lady I originally talked to at this fraud connection with an account of XXXX XXXX. The funds taken out of my bank checking account was from XXXX XXXX ( XXXX ). from XXXX, which I never use. Bank Alert ID XXXX, referenced XXXX XXXX. I have a member ID also. I have closed my account and opened another. My computer was left on as they requested and they had access to my files, of which I am changing all passwords on accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: NJ

Complaint narrative:
Please remove this information from my credit report, this affects me a lot, I don't want to have it. 


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