vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX. In XXXX, the XXXX rolled out their Public Service Loan Forgiveness program, which by all standards, was an epic fail. In XX/XX/XXXX, our incredible XXXX XXXX and amazing COO of XXXX XXXX recognized the need for a limited waiver. With that waiver, we are able to consolidate into a direct loan, use prior periods of repayment and receive forgiveness on the loan balance after 10 years/120 payments. I had been paying on my FFEL loans for over 15 years and was one of the folks in the XXXX settlement as well for being misled and lied to. I have done all asked of me by XXXX and Fed Loan Servicing to take advantage of this waiver, yet there are no updates, no communication and now servicers are being transferred when I am at the finish line, yet they claim no disruptions which is totally untrue. They have my approved employment, proof of over XXXX payments from XXXX XXXX XXXX XXXX XXXX my loans are now direct loans and now still 30 days later, I have heard nothing. When I call, I get " just keep waiting '' yet on the XXXX site they claim " XXXX will review a borrowers account when it contains two pieces of information : at least one Direct Loan and at least one approved Employment Certification. When both conditions are met, XXXX will review the borrowers account. XXXX will identify all new payments to be added and instruct FedLoan Servicing to update the account. If any conditions of the account change, XXXX will re-review the account. Borrowers at or over XXXX payments will get priority reviews regardless of when their PSLF forms were approved. '' I am humbly asking XXXX XXXX to help get involved on my behalf. I do not want to ping pong between servicers and be kept continually waiting for forgiveness that I have rightfully earned. PLEASE HELP, I am begging you and really exhausted with this constant run around and finger pointing without any help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account numbers 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account numbers 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.

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 2022-06-14 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: TN

Complaint narrative:
I pulled my credit report and found several errors that needed direct attention. I have been doing some research and the following companies are improperly using my credit report and they have violated my consumer rights under the FCRA. 

According to the FCRA, 15 U.S.C. 1681 Section 602A states I have the right to privacy. Also, 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account " WITHOUT '' my written instructions. I have never given anyone written instructions to furnish any information on me and it is a direct violation of my privacy. 


Violations : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # unknown

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 2022-06-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act This Account XXXX XXXX Bank as 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. 
have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' 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 2022-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
This complaint concerns serious violations of the Real Estate Settlement Procedures Act ( RESPA ). Although there are numerous violations under RESPA by more than one lender, I will direct this complanit to the most severe of the violators, PHH Mortgage Company! 
PHH Mortgage, who was our original lender when we purchased our home, has committed acts of mortgage fraud concerning our mortgage loan ( s ). PHH Mortgage has committed these violation without our knowledge and or consent. If you review the attached HUD-1 Settlement Statement ( s ) you will see that the statements are without our signatures on them. However, the figure on the statements that claimed PHH Mortgage gave " CASH TO BORROWER '' in the amount of {$35000.00} in a refinance transaction in XX/XX/XXXX, and again gave " CASH TO BORRWER '' in the amount of {$11000.00} in XX/XX/XXXX. Both of these statement are false/fraudulent statements because we never received any funds from these purported refinance transactions. In addition, we were not aware of the outrageous refinance fees totaling {$60000.00} in XX/XX/XXXX, and fees totaling {$16000.00} in XX/XX/XXXX. 
This is a classical case of lender stealing homeowner 's EQUITY using ficticious figures to swindle homeowners. The evidence concerning these allegations are in the attachments to this complaint. ( See Mortgage History, and excerpt of Securitization Audit ), and ( See HUD-1 Settlement Statements ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express has horrible billing practices. They purposefully delay the payments made to make it look like you owe more than you actually do on your bill. For a statement that runs XX/XX/XXXX - XX/XX/XXXX, and has charges of {$450.00} + {$300.00} on XX/XX/XXXX, and offsetting payments on XX/XX/XXXX of {$450.00} + {$300.00}, I should not have a bill saying I owe money for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX Capital one I receive hard inquiries that I did not approved I will like it deleted and removed off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following have violated my rights. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX 2. XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY. XXXX 3. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 5. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX  XXXX SD XXXX 15 U.S.C. 1681 section 602A. States I have the rights to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following have violated my rights. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX 2. XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX 3. XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX 4. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 5. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX XXXX SD XXXX 15 U.S.C. 1681 section 602A. States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: TX

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  Account # DEPT OF EDUCATION/XXXX  account number XXXX DEPT OF EDUCATION/XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX  XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX  account number XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on 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 ( 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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Checkr, Inc
State: FL

Complaint narrative:
I was told by my employer that I could no longer work for them because of my background check. I have worked for them for 5 years and now I cant. I have no clue why. They wont give a copy of the report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: TX

Complaint narrative:
I XXXX XXXX XXXX Filed a complete and Accurate Dispute with Equifax XXXX and XXXX letting these credit agencies know that Im a victim of identity theft and I demanded them to remove all credit inquiries I also demanded Equifax to remove a fraudulent collection from my personal credit report in the amount of {$4400.00} from XXXX XXXX XXXX and all inquiries which are fraudulent which I sign in and demanded a dispute so Equifax are aware Of the Dispute Equifax did not investigate nor did they remove that fraudulent account from my personal credit report After sending in a Filed police report theft affidavit driver license and proof of address Equifax also acknowledge the receipt of my documentation however Equifax did not remove or block that information from appearing on my personal credit report According to 605B after a knowledgeable of documentation those items are supposed to be blocked from appearing on my personal credit report Currently as a XX/XX/2022 The judge ordered Equifax and XXXX to pay me {$1000.00} per violation Equifax is still failing to remove those fraudulent items and collection and anchorries as I stated before now this situation is going into Federal Court Also XXXX is still reporting negative and fraudulent information Accounts are : ( 1 ) XXXX XXXX ( 2 ) Possible finance in amount of {$970.00} Also ( 3 ) XXXX XXXX also XXXX is reporting fraudulent and inaccurate late payments From possible finance XXXX & XXXX XXXX Also XXXX did not remove XXXX XXXX XXXX. XXXX  XXXX from my personal credit report which is fraudulent according to the fair credit reporting section 605B any consumer that identifies identity theft shall demand Credit agencies to remove or block that information from appear on their personal credit report however Equifax and XXXX Failed to protect my consumer rights Also XXXX  did not complete a Full investigation banks that are being fraudulently Reported is XXXXXXXX XXXX XXXXXXXX XXXX  And all inquiries Which XXXX XXXX  is already aware of and I have already supplied documentation and FULL COMPLETE dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
It appears that Wells Fargo is up to its old ways of opening new accounts without permission. In late XX/XX/2022, I received a statement for a Wells Fargo Everyday Checking account dated XX/XX/2022. The statement was initially sent to an old address and forwarded by USPS. Per the dates included in the statement, the account was opened on XX/XX/2022. At no time in XX/XX/2022 did I ever contact Wells Fargo to open a checking account. I do have a credit card with them, but no other accounts. As well, the credit card statement comes to my correct address. Additionally, the checking account does NOT show up in my online account with Wells Fargo. 

I contacted Wells Fargo on XX/XX/2022, at ( XXXX ) XXXX and spoke with a representative, and made them aware that the account was opened without my request/permission. I was transferred to someone in the " fraud department ''. They supposedly closed the account and give me case # XXXX. Subsequently, I received a statement dated XX/XX/2022, but since it was shortly after my initial call I ignored it. Yesterday, I received another statement, dated XX/XX/2022. This leads me to believe that the account was NOT in fact closed at my initial request, so I decided to file a complaint.

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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern My name is XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. While checking my most recent credit report I noticed several credit inquiries that I did not authorize, made by the following companies listed below. I am writing to provide proof of me filing an FTC and a CFPB complaint in order to have all inquiries removed from my credit Report due to fraud. I have listed all accounts below. They were placed on my credit report starting dates on XX/XX/XXXX and XXXX, XXXX, with some duplicates on the same dates. I thank you in advance for your cooperation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX is reporting information of institutions that have not conformed and are currently reporting in non-compliance with Gramm Leach Bliley Act statutes. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties EQUIFAX is INTENTIONALLY DAMAGING my reputation, infringing on my unalienable rights to privacy and damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act This Account XXXX XXXX XXXX  as 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. 
have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' 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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act This Account XXXX XXXX XXXX as 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.

have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.

Company response to consumer: Closed with explanation