vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states that 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2022-10-19 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: IL

Complaint narrative:
Before I started, I would like to let you know that this is my first complaint and I'm not using any third party for this matter, I represent myself by myself. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

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 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.

Please note, that account has been posted only by Transunion Credit Bureau, I have obtained my report from all 3 Credit Bureau, XXXX and XXXX has removed this fraud account from my report, but Transunion keep posting and completely neglecting my rights. HOW THEY CAN saying to me VERIFIED OR VALID OR UPDATED WHILE OTHERS AFTER RECIVING MY PROOF OF STATMENT HAVE BEEN DELETED THAT ACCOUNT IMMEDIATELY.

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 2022-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
XXXX of 2022 Homepoint did not pay my property taxes on one lot, when I brought it to their attention they said they would pay it. Then processed to change payment of my mortgage and raise my property taxes numbers to inaccurate amounts. They said they sent a check to county tax and county never received it. They deducted to from my escrow account and never paid county nor reimbursed me. Late fees were piling up. I ended up paying it out of pocket to avoid foreclosure and more fees XX/XX/2022. XXXX Ive contacted them on 6 different occasions about all of the mistakes theyve made. Have had no resolution. They tell me something different every time I call. 
Currently they are taking way too much for escrow. Ive calculated their error to about XXXX. A year. When my property taxes and insurance come to a total of XXXX. A year. All have been verified current with county. I cant afford to keep taking these hits. Im a widow on social security and I feel like they are taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Hello, So, I was the victim of identity theft from a previous book-keeper, ( XXXX XXXX XXXX XXXX He took out this very high interest loan using my information. I DID NOT know the interest rate was XXXX XXXX  I would never have authorized this if that had been disclosed. It was deposited into my business account by the book-keeper ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was a very high interest line of credit that I would never had authorized if I had known how high the interest was. I have reached out to the company with an email regarding the fraud situation. I also have a case number with the local Sheriff 's office and the FBI to help catch this person who did this to me. FBI Case Number : XXXX and XXXX XXXX Georgia Sheriff 's office XXXX XXXX XXXX XXXX 

Please let me know how I can combat this injustice. I should not be responsible for debt incurred through identity theft. My company can not afford any super high interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I see four hard inquiries on my credit report for which I'm unaware of those inquiries.

1 : XXXX XXXXXXXX  XXXX inquiry made on XX/XX/2022 XXXX : - XXXX inquiry made on XX/XX/2022 XXXX : - XXXX XXXX inquiry made on XX/XX/2022 XXXX : - XXXX XXXX inquiry made on XX/XX/2022 Please help in this regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I called Freedom Mortgage on XX/XX/XXXX to request an excess from our escrow account to be refunded. I was told the escrow excess would be sent in a check via 5-10 business days. I called back on XX/XX/XXXX and was told by the agent that the analysis was never completed or requested. I can see online that there is an excess, and it needs to be refunded. This has been 30 days since to get a simple formula let alone the money.

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I applied for a Bank of America Credit Card in late XXXX. After receiving conflicting information from customer service representatives on required information I contacted a customer service representative on XX/XX/XXXX. After speaking with a customer service representative for sometime at noon CST, I was shocked by what she said. At the end of the conversation she stated, " oh my XXXX- just don't apply. '' I've never received such poor customer service from a bank before. Nor have I had a customer service representative instruct me to not use their product. My belief was that everyone is invited to apply for all products.

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I got this in store credit card from XXXX XXXX but the company that issued the credit card is Citibank N.A.. From the start there was concerns as I was getting emails from them and in the body of the email it would say things like, Hi XXXX XXXX or Hi XXXX XXXX I was not able to login to the website to see my account information. I called them about this and they said they corrected the problem. The next time I went to use the card the account was locked and a message informed the check out person to call a number. I called them 3 different times over a month on XX/XX/XXXX, XX/XX/XXXX, XXXX at either their Customer service : XXXX ( XXXX ) XXXX or Credit card support : XXXX ( XXXX ) XXXX. On XXXX I requested to speak with a supervisor and got the same response. They won't let me cancel the account because they can't verify the phone number. They say they will call the number on file within 2 hours and this is how they verify the account. I gave them my number and asked if that was the number on file and they said Yes it was, but they never called me back to verify. Not within 2 hours. Not within 2 days. They never called me and we went through this 3 times. Card can't be used but neither can it be cancelled. The account must be tied with at least 3 other accounts as I have gotten 3 separate emails with 3 different persons names referenced in the body. I truly believe they are opening accounts and putting them in this state so they don't have to service the account but can use the accounts personal information for business purposes. 
There can be no other explanation as to why they have this ridiculous procedure of calling a telephone number within 2 hours to verify an account especially when they never call. I don't want Citibank to have an account for me and I don't want them to have my 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 2022-10-19 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX - CARD SERVICE Inquiry : XXXX. XXXX. XXXX + XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX  XXXX Inquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX XXXX  Inauiry : XXXX. XXXX XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : 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 2022-10-19 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX. XXXX + XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXXXXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquirv : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inauiry : XXXX. XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXquiry : XXXX XXXX, XXXX - XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : 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 2022-10-19 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I contacted XXXX about account # XXXX and # XXXX which is portfolio recovery I have no clue who this company is I asked them how did they get my information and and how and when this was verified to be place on my consumer report they said a back office handles it and could not tell me anything else I have contact them several times because there are several inconsistencies Date opened Last date of activity Its reporting 120 days late and also collection XXXX is allowing portfolio to commit fraud and they are also by not verifying it and communicating the steps of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Veros Credit, LLC
State: FL

Complaint narrative:
I defaulted on my Auto Loan with Veros Credit. they repossessed my Vehicle on XXXX I called to gt location and amount needed to get vehicle back. I was told that the vehicle was in route to the auction so there was no location on file for me to retrieve my personal property or to pick up vehicle. The agent said they were unable to tell me how much is owed to get vehicle back. I had 2 agents hang up on me, finally spoke to a manager and I was told i need to pay the entire amount of loan which was close to XXXX. On XX/XX/XXXX I received a phone call from a rep at Veros Credit who said I only need to pay {$3000.00} to take ownership of the vehicle and that would allow me to keep my current loan and reduce my payments to {$350.00}. XXXX I made the payment for {$3000.00} on XX/XX/XXXX XXXX the following day I got a call from the Same woman at Veros Credit XXXX She informed me that my Vehicle was SOLD the day before at Auction. The funds were returned to me. I only got 1 notice in writing regarding the sale and repossession of my Vehicle and that document DID NOT include the address for me to pick up my personal property either. If I had this option in a timely manner I would have been able to secure my personal property out of my vehicle and get my vehicle back. This information was never disclosed to me. The entire process was extremely deceptive. I was mislead, lied to and taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am a victim of identity theft. JPMCB is continuing to report a credit card account XXXX opened XXXX XXXX on my consumer reports! I completed the identity theft affidavit and forwarded all correspondence to the credit bureaus. The credit bureaus have not removed this account from my consumer reports. JPMCB is damaging my life because of the failure to remove this account, leaving me in mental distress and at financial disadvantage. I never had this card in my possession nor have I ever received any monetary value from the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: FL

Complaint narrative:
-- I spent time comparing and contrasting across credit bureaus and under several different programs. 
-I spent time identifying inaccuracies -I spent time checking the misuse and/or timeframes. 
-I spent time purchasing searching XXXX and XXXX on what to do etc. 
- I spent numerous hours with customer service representatives making provisions -I have spent time placing security freezes -I have spent time sending debt validation letters and inquiring how my information has been misused -I have spent time defending my name and trying to protect myself because of incorrect information. 
-I have spent time speaking and consulting with credit specialist -I have been denied goods & services causing me to take a deeper look into my credit -I received bills from things I did not authorize -I have spent time investigating providing documentation and reports. 
-I have spent time reading the general summary of right under the FCRA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Regarding Affirm loans XXXX & XXXX. As scheduled, I submitted my monthly payments to be drafted from my checking account. 

In the affirm system I could see that my loan was current, then after a couple of days - I'd see that the same payment did not " save '' in their system. After numerous attempts of contacting their customer service department, I do not have any proof provided from affirm that they actually attempted to withdraw the funds from my account. It appears they've essentially deleted my payment and changed the loan status in their system. This is not an NSF or return issue, because they did not even attempt to withdraw the money from my account. 

My credit is now being severely impacted, Affirm is claiming they have not received payments in two months. 

This is unfair because I rightfully made my payments in a timely fashion, and their system did not retain, nor notify me of the reasons why the payment did not attempt to draft from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This is not a refusal to pay. I've sent a Conditional Acceptance Letter to Navy Federal Credit Union via certified mail. As long as they can validate this debt with a full accounting ledger and everything stated in my letter I will accept it, but if they can not show that I owe anything they must discharge this " debt '' and comply with my conditional acceptance letter which is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Early Warning Services, LLC
State: KS

Complaint narrative:
This is about the inaccuracy that is inquisitively furnished by Early Warning Services , LLC. on my consumer report. I came to know about this inaccuracy on XX/XX/2022 and due to this inaccuracy I was discriminated against and refused the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Futhermore, according to 15 USC 1681 ( b ) ( a ) ( 2 ), a Consumer Reporting agency may furnish a consumer report ONLY if youve given them written consent to do soI never gave my consent for XXXX XXXX XXXX XXXX to furnish any of my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet has violated my federally protected rights under the FDCPA and FTC Rule CFR 433. My student Loan was Transferred to XXXX XXXX then Nelnet without my permission or awareness violating XXXX. For both companies. 
Nelnet failed to provide documentation showing they are the Holder in Due Course which means they have no legal rights to collect. I was never obligated to pay you a third party debt collector for this alleged pursuant to 15 U.S.C. 1692a-3. You have used abusive. deceptive, misleading means to collect on an alleged debt violating 15 USC 1692e. Check attachment for more instructions.

Company response to consumer: Closed with explanation