vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America has been sending me another persons banking information for years. I reached out to BOA via email and called their fraud department several times. When I was not successful at ending the emails, I contacted Gov Fraud, but I still receive this woman 's banking. This year I reached out on XXXX  ( direct message ) and the person wanted my personal information to open a ticket, but I refused to give them any more information about me ( they have my name and email address. ). That person responded via direct message and said that they do not have my email in their system. I cut and pasted two of the email 's header content, and he responded " not to email or send via social  media this information. '' I'm at my wits end with it. XXXX XXXX is the name on the account and my email address is : XXXX. I'm suspicious of BOA 's intentions as I can't fathom why they wouldn't be more cautious on giving a random person access to one of their customer 's accounts. 

I do not know anyone by the name of XXXX XXXX and I don't have any bank of america accounts of my own. No Credit Cards or Banking Accounts.

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 2019-10-18 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: GA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and this account balance needs to report {$0.00}. I have attached a copy of the settlement agreement dated XX/XX/2019 as proof. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus several times to remove this item however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
This is my second complaint with Navient. I feel like I am out of options. Navient acknowledges that I am totally and permanently XXXX. My federal student loans have been discharged through XXXX discharge. Navient has adjusted the interest rates on the loans taken out before what they consider my date of XXXX, but not the one taken out a few months later. Currently, as they are aware, my only source of income is SSI, which is {$770.00} a month, and which I will start receiving XX/XX/19. My monthly Navient payment, despite the " adjustment '' is {$240.00} pet month. This is 31 % of my already low income, so you can see how it is impossible for me to pay and still survive. My condition is not expected to change in the future ; I will never be able to pay {$240.00} a month. I have been in forbearance for months, borrowing the {$150.00} to keep them off my back, but I have no more forbearance time and they are calling every hour. I'm also pretty sure it's a robocall, because it takes a minute after I saw " hello '' for it to connect to a human, but that's a whole other issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 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: GA

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and this account balance needs to report {$0.00}. I have attached a copy of the settlement agreement dated XX/XX/2019 as proof. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus several times to remove this item however, I have not been successful.

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 2019-10-18 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: GA

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and this account balance needs to report {$0.00}. I have attached a copy of the settlement agreement dated XX/XX/2019 as proof. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus several times to remove this item however, I have not been successful.

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 2019-10-18 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I do not choose to share my u.s.a. ssn with consumer financial institutions and the institutions make a problem of it by requiring a number, by law only required to be shared to the u.s.a. ssa, before issuing a card with printed name. I need arrangements to have an account without using an u.s.a. ssn for a consumer finance tracking device.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Wellsin the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail, since they are reporting accounts with FRAUDULENT CHARGES. As of today they have failed to provide me with the proof I have lawfully requested. These accounts with fraud charges being reported to the credit bureaus is a violation under the FCRA. 

Accounts are the following : 1 ) WF CRD SVC XXXX. Opened Date XX/XX/XXXX, XXXX Credit Limit {$700.00}. Balance {$0.00}. Status : Closed. 
2 ) Wells Fargo Opened Date XXXX XXXX, XXXX. Limit {$5000.00}. Balance {$0.00}. Status : closed. 
3 ) WELLS FARGO BANK AUTO # XXXX Date Opened XX/XX/XXXX. Closed Date XX/XX/XXXX. Original Balance {$18000.00}.

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

Attached : Letter sent to Wells Fargo and FTC 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 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: ME

Complaint narrative:
Freedom Mortgage has consistently failed to provide me requested information and forms in a timely manner, preventing me from refinancing my Freedom Mortgage held loan with a new lender. Specifically, it took 25 days and over 10 calls to their call center for Freedom Mortgage to issue me an escrow analysis. This delayed my close date. Then Freedom Mortgage failed to issue me my payoff amount in a timely fashion. This has the potential to delay my close date. Their customer service team is incompetent and does little to resolve your issues. Please investigate.

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 2019-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: LA

Complaint narrative:
I received an email on XX/XX/2019 at XXXX XXXX about a pre-approved refinance. Upon calling to get my pre-approved refinance, I was told I need to pay {$5700.00} in order for the new rate to work. The phone number advertised is XXXX. I spoke to XXXX XXXX ( XXXX ) at Caliber Home Loans. My loan number is XXXX. XXXX 's direct phone number is XXXX. The address is XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have had a Citi AA Card since XXXX with no issues. My bill is paid on time XXXX most times paid early ) and the minimum payment or more is paid each month. They have routinely increased my credit limit without request from me due to my good history with their company. On XX/XX/XXXX, I made a payment of {$2900.00} I wanted to use this credit card to pay vendors for my upcoming wedding so I could earn miles for a honeymoon trip! On XX/XX/XXXX, the company decreased my credit limit by {$1500.00}, making my current balance OVER MY CREDIT LIMIT, and the card is not able to be used. There was NO advanced notice they would be taking this action. I tried to use the card, and it was declined. 

When I called Citi AA, they say the decrease was due to large debt owed to other creditors. They claimed to do a soft credit check twice per year to evaluate line of credit increases / decreases. Yet, they have never decreased my credit in the past. I have no more credit card debt now, than I did 6 months - 1 year ago ... I actually have less. I did purchase a new vehicle several months ago but that is the only increase I have had in credit. That bill is also paid ON TIME! 

The representative I spoke with was clearly reading from a script. I asked for her supervisor, XXXX. He was also clearly reading from a script and of NO HELP. He kept repeating the same thing over and over. I tried to call the number listed on the letter dated XX/XX/XXXX which I found ONLINE, and after being on hold for 5 minutes, it stated " We are having trouble connecting you to a representative. You can call back at your convenience. '' What a joke! 

This adverse credit decision will RUIN MY WEDDING! I do not know how I will pay my vendors now that my entire wedding vendor budget was paid on this credit card with the intention of paying individuals vendors with the credit card. 

There has to be something that can be done! If my payments were late or missed, I would completely understand the decrease in credit limit. BUT I always pay and pay over the minimum amount due. Sometimes, I even make multiple payments in a month to ensure the balance does not exceed my credit line as I have several bills set up on the credit card as automatic payments. 

I am very frustrated and have no idea how I will get married now that this has happened WITH NO ADVANCED NOTICE TO ME!! They mailed a letter the same day they decreased the credit limit. Of course, they were more than happy to charge my {$99.00} annual fee to my account regardless of decreasing my credit with no consideration of my EXCELLENT payment history with their company!! Who says I want to continue being a customer of theirs after being treated this way?? 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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
This event happened a few days ago around XX/XX/2019. 

So my student loans originated with citibank and now they are at XXXX XXXX. XXXX was telling me how I can not be in in-school deferment because I had already used my 10 years. I am in XXXX  school, have been for two semesters, and I demanded to see my promissory note. It took about 24 hours for them to call me per my request and I still havent recieved my promissory note. When they called back, we discussed it over the phone and the rep read that my contract does show if I go to XXXX school I get an additional 4 years of in achool defferment. The rep even told me that their computer system didn't even show those terms regarding being in grad school, but it was on my contract. Thiss is highly illegal and I would like this company dealt with please. If there's any way we can get this student loan expunged due to illegal practices, then that would be great

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 2019-10-18 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:
XXXX, XXXX and Experian are reporting an account on my credit report as a delinquent negative account. I settled the account in full and this account should completely be removed from my credit file or reflect " settled in full. The forementioned reporting agencies are reporting this debt as charged off debt when the debt has been settled in full.

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 2019-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-18 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: MS

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I settled a XXXX account in full in XX/XX/XXXX. It is now XX/XX/XXXX and the 3 credit reporting agencies, Equifax, XXXX   and XXXX are reporting this account as delinquent/Chargoff when it sbould reflect as settled in full or not reflect at all, or completely deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
All three Credit bureaus are reporting inaccurate information on my credit file. I have submitted physical letters to them and they simply ignore my request so I am forced to file this complaint to the CFPB and will be filing a complaint with the state attorney generals office if this does not get resolved. 

The following accounts are being reported and are not validated or verified per the FCRA. I have asked for the original source document and they are refusing to comply with my request. 

1. XXXX XXXX. They are only reporting a portion of the account number XXXX this is a metro 10 compliance issue. The account can not be verified and therefore I am asking that it be removed from my credit reports. 

2. XXXX. Partial Account number of XXXX. This is a Metro 10 Compliance issue, can not verify with XXXX and XXXX has no record of this saying I was late with my payment. Update and remove the late payment status. 

3. XXXX XXXX partial account number XXXX Says it is a collection account for XXXX this has not been verified and can not be verified and therefore is a violation of the FCRA section 609 and I requesting that this be removed from my files immediately. 

4. XXXX. Has a collection of XXXX acct XXXX ( partial ) which does not allow me to verify the account. This is a Metro 10 Compliance issue. This also looks to be a health care bill and this is a VIOLATION OF MY HIPAA rights as if I ever did have services rendered to me from XXXX I would have never given them permission to report any portion of my Health Records to  the bureaus. I am demanding this be removed based on Incorrect reporting, unverifiable status and a HIPAA violation. 

5. XXXX XXXX : Accounts XXXX, XXXX, and XXXX all metro 10 compliance issues, unverifiable information, does not meet FCRA standards and once again looks to be a medical office reporting. If I did have services rendered I would have never given permission to any health facility to transfer my information to a collection company or to the bureaus. This is a HIPAA Violation and is a against the law.

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