vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I applied to refinance with Bank of America for my existing mortgage account.. I submitted my bank statements as requested which listed a refund from my XXXX XXXX XXXX. I also filed XXXX in XXXX  as my mortgage was not listed on my credit report. BOA request information regarding the credit from XXXX XXXX XXXX XXXX XXXX I provided the statement from the school showing this was a refund, provided 3 documents to this which listed this as a credit as well as the name of the school, they continued asking for a detailed summary. I asked the lioan officer and his assistant to clarify this was not done, they kept saying they will email the underwriter. I was told I needed to reaffirm the debt to XXXX XXXX XXXX XXXX for the mortgage account. I explained to the the mortgage for at the time of filing was XXXX XXXX I spoke with an attorney who asked me to ask them the reason they are requesting this. They still have not provided a reason other than this is what we require. XXXX XXXX XXXX XXXX where I have the mortgage advised they don't require a reaffirmation as they know most judges denay the request. I sent a complete payment history and they didn't accept it. I have wasted XXXX weeks on this and I am now looking at a higher interest rate because of this. No one is providinga a valid reason to have a consumer pay money to re-open a discharged case that may be denied on a closed account and that will extend the filing on my 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 2024-07-22 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: AZ

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 has violated my rights. 


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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. These account is hurting my ability to obtain credit. THESE ACCOUNTS WAS OPEN WITHOUT MY KNOWLEDGE AFTER I HAVE LOST MY PURSE WITH MY WALLET IN THERE. I HAVE BEEN DEALING WITH THIS ISSUE TO LONG AND NOW IM AM STARTING THE PROCESS OF CIVIL LITAGATION FOR THESE INACURATE ACCOUNTS BEING REPORTING. 

THESE ARE THE ACCOUNTS XXXXXXXX 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  15 USC 1681 and 1692 LAW which requires validation of DEBT.under 15 USC 1681b permissible purpose this illegal. I'm demanding for them to stop harassing me and causing me to have mental breakdowns that's effecting my life immediately. 

This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files

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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I utilize Chime to move money around since it's easy to do. I deal with a lot of merchants due to my line of business/work. Some of these merchants have started making fraudulent transactions by keeping my card number on file. Although, Chime sometimes sends out notifications regarding suspected fraud sometimes the merchant still access the funds. Lately, Chime has been doing whatever they feel like with my account, such as paying merchants that should not be paid. Some of my disputes are from XX/XX/year>, I can't send them an email because I receive an error message, I call and speak with a representative on the phone and he/she verbally agrees with me on the recorded phone line then does the complete opposite of what was discussed. The documents that were sent to me regarding one of the disputes is something I or anyone else could have printed from the computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
In XXXX of this year, I traded in my XXXX XXXX lease from XXXX 's XXXX for a new car. Despite having a few months left on the lease, XXXX 's XXXX paid off the vehicle, and I began a new lease with them. Subsequently, Hyundai billed me {$630.00}, citing Official Fees and Taxes totaling {$34.00}, along with sales, reconditioning, and transportation fees amounting to {$260.00}. Upon contacting Hyundai, I was informed that these charges covered taxes, car cleaning, and transport back to Hyundai, which is incorrect as the new bank took possession of the vehicle. 

I explained to the representative that this seemed illogical, as any reconditioning and transportation costs at the end of a lease should typically be the responsibility of the bank, not mine.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
as per The Guidance from the consumer financial protection bureau CFPB the document needed, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to trafficking debt final rule XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ) I kindly request that you blocked this information from my credit report with them within 4 business days pursuant to section 605C of fair credit reporting at I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked an deleted company information Transunion. please delete the following accounts. 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

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX processed a fraudulent loan/order, in my name, that I did not authorize. I have called 11 times over the past three ( 3 ) months as well as repeatedly sent all documentation proving that it was never authorized and requesting it removed from my account. They are refusing to assist. 

XXXX is now reporting it as past due, causing my credit to take a significant hit - this is stressful as my husband and I are currently in pre-approval for a house purchase. This has greatly affected everything in our process. I did not place this order or authorize this loan - Ive contacted a lawyer due to these fraudulent business practices. There was a class action suit against XXXX in 2023 - Ive submitted info to get another one started. I have filed a report with the FTC as well as all three credit bureaus. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/year> I mailed out some disputes disputing inaccurate use of my credit report to Equifax and I have not heard back from these companies nor received any mail updates regarding my consumer report. 

SEE ATTACHED DOCUMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/19, I called Citi to indicate fraud on my account in the amount of about $ XXXX for fraudulent XXXX charges from XX/XX/XXXX to XX/XX/XXXX. I was told that the fraud team will investigate within two billing cycles ; however, they will not credit my account. I have a payment coming due and its still showing that I owe money on fraudulent charges. I called four times to request credits to my account during the investigation, but call center staff ignores question. They just closed my card and reissued a new one. In addition, XXXX charges that were pending which I indicated were fraud were still allowed to go through even with my card being locked.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: OH

Complaint narrative:
Charge offs are considered income and should not be reported on my credit report according to 15 USC 1681 ( 2 ) and the IRS publication XXXX and XXXX XXXX XXXX. By definition the IRS clearly says a CANCELED DEBT or CHARGE OFF is considered INCOME. The Reporting of this account as a debt is INACCURATE and Unlawful INCOME is a certificate of INDEBTNESS, and the IRS treats the forgiven debt as income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Servion, Inc.
State: OH

Complaint narrative:
Called company XX/XX/year>, XXXX, XXXX, and XXXX to make a payment. Payment made during that week. 
Called XX/XX/XXXX, XXXX, XXXX, XXXX to make a payment with no response and sent to voicemail. 
Called again XX/XX/XXXX, XXXX, and a few times the week of the XXXX to make payments and paid XXXX and XXXX payments. 
Called in XXXX once each Wednesday with no response or being sent to voicemail and told I'd be called back. 
Called again twice in the first week of XXXX and 3 times the second week, was sent to voicemail. 
Voicemail was left with me in the first week of XXXX that I needed to call back. 
Called back and spoke at length with a representative that told me I could pay the past due but couldn't accept any form of payment other than a cashier 's check and that I had to have it postmarked that day- this was at the end of the work day which wasn't enough time to get to the bank. 
I called back the following week to ask for a different form of payment and was sent to a voicemail. Left a voicemail. No response from the company. 
Got into their online website and sent a request to be spoken with and received a response on XX/XX/XXXX saying I'm in forbearance and must pay a sum that they can not tell me at the time. Then send me an invoice of 4x the amount past due, then when I try to pay, the say I can not make a payment because the cost went up another 3 months worth in less than a week. 
I have reached out for help and received no help. I began calling around to veteran agencies for help while trying to jump through the hardest hoops of my life just to not lose my help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
Reporting past due balance on a collection account

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing a complaint regarding a potential violation of 15 U.S. Code 1692b by XXXX. XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Debt Collection Practices Act ( FDCPA ), this statute prohibits debt collectors from communicating with third parties in connection with the collection of any debt, except as provided in the statute, without prior consent of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: AZ

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. 
Convergent Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 2024-07-22 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:
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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
It is my personal statement that the listed inquiries are fraudulent and not created by me and must be deleted due to identity theft. Pursuant to 15 USC 1681c-2 please delete these inquiries. Also, please update my file to reflect accurate personal information pursuant to 15 USC 1681e ( b ).

see attached identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is my personal statement that the listed inquiries are fraudulent and not created by me and must be deleted due to identity theft. Pursuant to 15 USC 1681c-2 please delete these inquiries. Also, please update my file to reflect accurate personal information pursuant to 15 USC 1681e ( b ).

see attached identity theft 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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: AR

Complaint narrative:
I received a text and phone call from Axos XXXX XXXX XXXX unit XXXX morning, XXXX XXXX. They said there has been an unusual charge of {$85.00} from some movie place. I told them I knew nothing about that and the fraud unit deactivated my debit card. I told them I just have money direct deposited in the account the night before and how was I to access my money now. They told me to contact my bank .I did contact Axos on XXXX and they reissued me a debit card. The axos rep stated I would have to wait 5 to 10 business days to receive the card. I asked how I was suppose to get access to my money in the meantime. The axos rep said I would have to wait 5 to 10 business days. That is not acceptable.. I tried onXXXX XXXX XX/XX/XXXX, to use the " move money " feature on the Axos app and send a payment to myself. The send money page said that it would be sent the next business day.. well I waited all day and I contact Axos again and the rep says my payment won't be sent until tomorrow ( XXXX XX/XX/XXXX, ) that is unacceptable. The app said it would be sent next business day. I tried to transfer money that was direct deposited into my account last night and to a prepaid debit card linked and verified to my Axos account and it says XXXX to 5 days till I receive the money. I have been without access to my money for 5 days now .this is not right.

Company response to consumer: Closed with explanation