vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV Funding LLC C/O resurgent capital services is reporting on all 3 credit bureaus With account XXXX I have asked for validation of this debt. Proof of ownership of this debt original credit application with my signature on it. Payment history of this debt have not received any validation of debt This reporting is also in violation of metro 2 fair credit reporting guidelines Validation of debt doesnt consist of bill statements this account doesnt belong to me This account is inaccurate, isnt mine this account needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2022 I received a Credit Card in the mail for BofA XXXX. This CC was in my former married name of XXXX XXXX XXXX. This name was changed 10 years ago. I thought it was a scam trying to get me to open a CC. Then the next day I received a statement in the mail for {$59.00}. Monday XX/XX/2022 I went to BofA and told them what was going on. They looked up the information and discovered that there was a fraudulent BofA Mastercard also. Both issued XX/XX/2022 in my former name. 
Both CC 's have been closed and there has been a hold placed on my Credit with all 3 credit report Companies. 
The CC account # 's with Bof A were : Partial Account # XXXX Address ID # XXXX Credit limit {$6000.00} Partial Account # XXXX Address ID # XXXX Credit limit {$7500.00} XXXX XXXX  Police Report XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2022-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm victim of identity theft, my personal information has been stolen, I have sent numerous times dispute letter to credit Bureau and they didn't fix my problem. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.

I have attached a copy of all supportive documents for my statement

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 2022-10-07 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: FL

Complaint narrative:
In XX/XX/2022, I disputed with all three credit bureaus 5 accounts that appear on my credit reports that are not mine. These accounts are still on my reports : XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2022, I disputed with all three credit bureaus 5 accounts that appear on my credit reports that are not mine. These accounts are still on my reports XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$440.00}

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 2022-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have sent in two applications one of which is attached for an income driven repayment plan and the lowest possible payment because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They continue to not provide me clear answers Nelnet continues to ask me for documentation for income when I don't have any income they continue to ask me questions that are answered on this application and then they continue to reject these applications for a variety of reasons none of which are ever clear. I have also requested in writing any payments made after XXXX of 2020 to be reimbursed to me and they have not reimbursed those payments. They tell me there is no form to fill out which there is they tell me there is no evidence that I have requested this when I keep requesting evidence that I'm requesting this money be returned and they continue to jerk me around. Enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TX

Complaint narrative:
I am aware, consumer reporting agencies on a nationwide basis must maintain a joint notification system. I, the consumer have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for the accounts listed below on my consumer report do not match other consumer reporting agencies shown in Exhibits A-J, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). These accounts must be removed.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
DELETE XXXX  XXXX XXXX Account # XXXX off XXXX XXXX credit report file today DELETE XXXX  XXXX XXXX XXXX Account # XXXX off credit report file today Both Accounts Passed Statue of Limitations and law states it must be deleted off credit report today.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/22 XXXX XXXX XXXX submitted a personal loan with a XXXX XXXX when in fact i never applied for a personal loan with XXXX. Attempted to call and resolve the matter and unsuccessful and saw it reported to Experian Four times!

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 2022-10-07 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: NC

Complaint narrative:
On Friday XX/XX/2022, I contacted XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX regarding a personal loan. Before I applied, I inquired about the qualifications for the loan with personal banker XXXX XXXX. She stated that XXXX XXXX uses Transunion Credit Bureau to assess scores, the minimum credit score required is XXXX, and the APR ranges from 6-18 % with loan terms of 12-60 months. 
On Monday XX/XX/2022, I went into the branch to apply for the loan. At the time of the application my credit score was XXXX on Transunion. The banker stated she would be in contact within 24-48 hours. She did not follow up within that timeframe, so I had to reach out to her myself on Wednesday XX/XX/XXXX. At that time, she informed me that my loan was denied because my credit score was a XXXX, which is demonstrably false. 
On XX/XX/2022 I reached out to Transunion to obtain documentation stating that my credit score is not XXXX, nor was it at the time of the loan application. I have proof that my credit score was NOT XXXX when I came in to apply. My credit score has suffered a hard inquiry, a 19-point drop, and is currently XXXX. 
On XX/XX/2022, a representative, in the resolutions department named XXXX reached out to me requesting that I submit documentation showing my credit score from Transunion. I provided all the evidence I had via email. 
On Monday, XX/XX/2022 I contacted XXXX ( XXXX XXXX ) regarding the matter, in which she stated it may take up to three business days to hear something from underwriting. On Wednesday XX/XX/XXXX, I attempted to reach out and was unable to contact her. She later left a voicemail stating the same information that had already been provided to me, instructing me to contact Transunion again. Since then, I have not been able to contact this representative and her number is now going straight to voicemail. 
XXXX XXXX XXXX  has discriminated against me based off of erroneous information, violated the Equal Credit Opportunity Act & has caused damage to my Credit Score in the process.

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 2022-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
We had an FHA mortgage with Rocket Mortgage for our home that we purchased in XX/XX/XXXX, which we recently sold. We built a new home and were scheduled to close on the sale of the old home on XX/XX/XXXX, but due to delays with the buyers lender, the buyers were unable to close until XX/XX/XXXX. The mortgage payoff amount that had been quoted to the title company was supposedly good through XX/XX/XXXX. Our title agency wired the proceeds from the sale to Rocket Mortgage, and they included extra funds per down to account for any extra interest that may have been accrued. 

Rocket mortgage received the transfer on XXXX, and left me a voicemail saying it was short and they needed to collect the additional funds. I didnt not listen to this voicemail until XXXX ( sometimes my phone does not show me I have voicemails until days later ), and I immediately called them. Rocket Mortgage stated that because I did not respond for 2 days, they rejected the wire transfer and that they would have to generate a new payoff amount for me. I contacted our title company, and they were SHOCKED, because they said normally a mortgage lender would reach out to the title company directly about a shortage. Further, they stated they sent more than the payoff amount requested, to account for any extra interest due to delays with the closing process. 

I left a voicemail for the person who was designated as our contact person at Rocket. She called me back and stated it is their policy that they call the consumer, not the title company, and they collect the extra funds from the consumer. The funds were supposedly rejected yesterday, but the title company has not received the funds from the transfer back. Meanwhile, interest keeps accruing on this mortgage that we still hold, on a house we no longer own. The title agent said that she has never heard of a lender doing things this way, and that it seems like they are trying to take advantage of people. I have already spent hours on the phone trying to resolve something that should not even have been an issue. I do not want other people to have to go through this, especially those that may just accept what Rocket is telling them at face value and hand over the cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: IL

Complaint narrative:
I'm victim of identity theft, my personal information has been stolen, I have sent numerous times dispute letter to credit Bureau and they didn't fix my problem. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I have attached a copy of all supportive documents for my statement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm victim of identity theft, my personal information has been stolen, I have sent numerous times dispute letter to credit Bureau and they didn't fix my problem. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I have attached a copy of all supportive documents for my statement

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 2022-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XX/XX/2022, I sent a sum of {$1000.00} to a XXXX XXXX after I was introduce to an crypto- currency investment for profits that I was convince to be legitimate type of investment. 

I sent {$1000.00} from Citi Bank account - XX/XX/2022 I found out later that this whole investment was a scam. I contact both bank right away. I have received a notice from Citibank that they are unable to assist in retracting the funds.

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 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: IL

Complaint narrative:
I purchased XXXX prepaid cards and loaded them with XXXX dollars. They are from ( XXXX ) XXXX from netspend and ( XXXX ) XXXX from XXXX and I have reached out to both companies and all they did was gave me the runner round. I sent in all of the documentation regarding this issue and they said 5 days, and this has been going on for a month now. They asked if the cards was in my possession and told them they was. And the cards that I purchased has another name to these cards. So XXXX of the recipes are fading from being in my wallet. So the cards that I submitted will not be in my name and it will have someone else name on 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 explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: VA

Complaint narrative:
On XX/XX/21, I purchased furniture from Conn 's Appliance , Inc. invoice XXXX in XXXX, VA. The amount of the items purchased was {$4200.00} ( with fees XXXX + XXXX + XXXX ) a total of {$4600.00}. However the amount of the contract was for {$5800.00}. An overcharge of {$1100.00}. The math is wrong. ( The Lamp and end table were promotional items and were paid for in cash ). I was also charged for a Gaming Desk which purchase was cancelled. In addition the service contract was cancelled inadvertently without my knowledge. Attached please see a copy of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
This all has to do with my first complaint against XXXX XXXX  They recieved payments from me that the hacker/scammer reversed that I made over the phone with my debit card that had posted and cleared for weeks that I didnt reverse or return or want it done. Well after this I provided multiple proof for the hacker and explained my situation and XXXXXXXX XXXX claimed they sent the money back to credit acceptance that now claims I never ever paid at all.. I provided bank statements or returned actions to prove the payment via email and gave permission talk to my bank we have spoke 3 way with my bank and them on the phone to be un hung up on. My money has just disappeared now not XXXX  or credit acceptance can explain where its all at. They sent the repo company out and forced me to pay XXXX or they was going to take my vehicle and all tools inside which they would not let me get out. I explained my situation made payments to be embrassed harassed and completely just shamed and stressed.

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 2022-10-07 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: AR

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. 
XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX 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 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 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reportina agencv if the 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 2022-10-07 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: AR

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. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 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 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 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reportina agencv if the 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