vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
Hello, I am writing to file a complaint against First National Bank of Omaha, the current holder of our mortgage. 

My wife and I were continuously traveling the month of XXXX and early XXXX for business and then vacation. We had received a notice in the mail a couple of months earlier that our mortgage payment would be changing, but I did not recall XXXX was the month. 

I was paying my bills on the road and did not have access to that paperwork. Pure regular mortgage payment had been {$3100.00} and change. Per my usual practice, I sent the payment plus a principle payment in the amount of {$3500.00}. That payment was submitted through XXXX XXXX XXXX on XX/XX/XXXX and was received by FNBO on XX/XX/XXXX. 

This was not enough to cover the updated payment amount of {$3500.00}. FNBO placed the balance in a suspense account and held it. 

On XX/XX/XXXX, while traveling in XXXX, I realized my error and promptly sent {$150.00} to cover the shortfall. I had no way to get the payment to FNBO any faster. That payment arrived to them on XXXX, where it was placed in the suspense account and was finally credited 5 days later on XX/XX/XXXX. 

While still traveling, we noted that FNBO had reported us late to credit bureaus. We have worked very hard over the years to keep our credit clean. 

We had an amazing experience with the lending officer we worked with at FNBO, who told me, XXXX, if you GO with FNBO, you'll never be treated like a number. 

I reached out to the Chief Credit Officer, explaining the mistake, and asking for a goodwill adjustment to our credit report. I was met with a response that FNBO was only following the rules, rules they have no choice in, and could only remove the report if there was a bank error. 

After going round and round with him, I contacted the CEO and asked for his help, He also quoted the rule book to me and claimed their hands were tied. This culminated in a letter I received yesterday stating they could not and would not change their positiinl My research indicates that's the letter of the regulation, but not the spirit of it and that as the reporting entity with the power to decide whether the payment was considered late, they had leeway to make a change in reporting. 

Their attitude was completely unhelpful and they didn't seem to care about the legitimate circumstances that caused the error or my effort to fix it as soon as I realized it, I want them to remove the mark from our credit because it's an unfair reflection of what happened. I seek your help in mediating this situation. 

Kind regards, 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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Old information on my credit report XXXX XXXXXXXX is still report is supposed to be removed this XXXX it is still appearing on my report. Same iss for XXXX XXXX XXXX XXXX it still shows 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 non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am not even the debt holder nor am I consigned so any loan. Not really sure why they decided to pull my name out from a family relation, but I have been receiving calls and emails about a student loan debt that isn't mine nor have I cosigned on said loan. I find this all to be pretty harassing and interrupting my daily life as a caretaker to my small children. When I answered one of the call thinking it was my child 's doctor, it was instead a navient employee that laughed at me when I said I had nothing to do with said debt and that I thought it was illegal how she was calling me. Then I attempted to complain directly to navient via their phone system and got told no one could take my call and to leave a message? I am very over navient 's bizarre harassing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
This is identity theft. We received information from Security Credit Services ( XXXX XXXX XXXX ( that we owe on a phone Leased from XXXX XXXX XXXX  ) .We did not lease this phone and never owned it. They say we owe {$480.00}. We have tried to explain this to them and have sent a notarized letter with this information. We even made a report with our local police dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

I never inquiry or allowed to pull my credit report, I am requesting to remove this inquiries from my credit report. 

Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2023-08-11 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: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
PLEASE SHUT DOWN AMSHER ( www.amsher.com ). This " collection agency '' is a fraudulent company that has used my information to fraudulently try to collect on a debt of {$82.00} and has fraudulently added this to my credit report. 

I have called XXXX on XX/XX/2023 and confirmed with '' XXXX '' that XXXX is NOT affiliated with Amsher as a 3rd party debt collector and that I do not have any debts with them, past or present.

I have contacted Amsher, also on XX/XX/2023 by phone at XXXX several times and the phone disconnects each time. I called back and stayed on for an operator and spoke with a " XXXX '' who asked for my personal info, which I did not give and she said she was transferring me to the " XXXX XXXX '' and immediately hung up. 

I called again, and spoke with an " XXXX whose accent changed XXXX and he also was reluctant to stay on the phone and denied that they are not affiliated with XXXX and hung up. 

I am only one consumer who has warned XXXX that they are being used, but if they hear it from the CFPB maybe they will do their part as well. 
You have over XXXX complaints about this company, and the fact that they can operate on scams with impunity and without penalization is unfair to hard working consumers like myself, who already find it hard to raise and keep a reasonable XXXXredit score. 
Please, please DO SOMETHING!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: IL

Complaint narrative:
I am a victim of aggravated identity theft. I ask that you re-investigate this matter and I demand to see proof with my signature on it that you have on file for the account listed. also note that the account XXXX XXXX XXXX ACCOUNT NO. XXXX is reporting as a charged off. {$11000.00} written off. {$14000.00} past due as of XX/XX/2023. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by the federal law to verify through physical verification of the original signed contract. Also, note that if the company has filed a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain.

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 2023-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bay Area Receivables, Inc
State: PA

Complaint narrative:
I discovered on my free annual credit bureau report a collection account # XXXX for {$560.00} by Bay Area Receivables. I dispute this entry item as Bay Area Receivables has not followed proper procedures under the Consumer Financial Protection Bureau 's Debt Collection Rule as to notification of alleged debt. Bay Area Receivables never requested payment from me. Before reporting an alleged debt to a credit reporting company a debt collector needs to contact the party either : in person, by telephone, mail, or electronic delivery. I maintain no communication was received from Bay Area Receivables before they reported to credit reporting companies. No validation notice was given. Bay Area Receivables has not provided the how they contacted me, when they contacted me, and where they contacted me to satisfy this requirement. I have been at the same physical address now for over 30 years, with the same phone number that length of time too. And the same email address for almost two decades now.

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 2023-08-11 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: OH

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.

has violated my rights. Or list of inquiries 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 2023-08-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XXXX and XX/XX/2018, while dealing with a severe injury that limited my mobility, my roommate XXXX XXXX stole my ID, wallet, and phone. He fraudulently used my personal information as his own, including making unauthorized charges. These charges began on XX/XX/XXXX, including a {$1000.00} charge at XXXX XXXX XXXX XXXX. Other unfamiliar charges like {$6900.00} at XXXX XXXX XXXX XXXX also appeared, which I didn't authorize. I discovered these fraudulent activities by the end of XX/XX/2018, and I promptly reported them to Wells Fargo. The only legitimate charge I made during this period was for XXXX XXXX XXXX payments. 
I possess XXXX records of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  making it implausible for me to have used the card physical.

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 2023-08-11 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: MO

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-08-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
OnXX/XX/, I purchased 2 appliances ( washer/dryer ) totaling {$2400.00} from XXXX. This transaction was not posted to my account until XX/XX/XXXX. I opened a dispute with Citibank because I thought the transaction was suspicious since I purchased on XX/XX/XXXX but they posted on XX/XX/XXXX. 

Citibank then cancelled by cards and sent new ones with a new credit card number. The prior XX/XX/XXXX bill was paid in full via autopay on XX/XX/XXXX without the original charge from XX/XX/XXXX which was listed as a conditional credit based on the dispute. 

The dispute was withdrawn once I figured out that the charge on XX/XX/XXXX was correct. But instead of XXXX charge for the original {$2400.00}, there were XXXX identical charges that were put back on my account in the XX/XX/XXXX statement for the original date of transaction on XX/XX/XXXX AND for XX/XX/XXXX. I called Citibank regarding this and that it was odd but the customer service rep assured me that they were seeing only 1 charge and not to worry. 

When the XX/XX/XXXX bill was paid via autopay, on XX/XX/XXXX. I ended up having to pay for the duplicate charges for {$2400.00} which was {$4900.00}. When I called Citibank again about this double charge, they provided a conditional credit while they investigated. 

Then in the latest bill Citibank has posted the credit refund on XX/XX/XXXX for the duplicate charges which should have resolved the issue but then the XX/XX/XXXX charge of {$2400.00} was carried over into the latest bill. So what should have been resolved, Citibank has charged me yet again for the same charge from my XX/XX/XXXX statement which was resolved. 

I have called Citibank no less than 7 times at each step to try and resolve it but they keep asking for more documentation multiple times and closing and opening the dispute. They're giving me the run around and not addressing this dispute to resolve it even though they have all the information and I have called numerous times. I have paid every bill on time and am just seeking to have the payments reconciled which is pretty obvious from looking at the statements.

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 2023-08-11 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX has the following amounts on my account as Charge-Off accounts {$19000.00}, {$5300.00}, {$8900.00}, {$36000.00} and {$10000.00}. This information is false all charge off accounts are filed with the IRS 1099 C as income not debt. Income does is not included on a consumer report. Also sharing any personal information and transactions without written consent from me the consumer is a violation of my rights unless the information is shared through an affiliate. XXXX, XXXX and XXXX are not affiliated. 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I made an attempt to dispute this matter in XX/XX/ by requesting verification of this debt and proof of how the debt was validated. There was a failure to provide the requested information, as well as a refusal to delete the debt and stop reporting. They are continuing to report, and have not provided adequate proof that would legally rationalize the publishing of this information on my consumer reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MA

Complaint narrative:
I have been making by-weekly payments to my mortgage company, BSI Financial Services , for a while now, maybe like a year, but recently noticed on my monthly statement that they do not apply my first payment amount at all until they receive the second payment. I called them today, XX/XX/2023, and they confirmed that they " hold '' my first by-weekly payment until my second payment is received, which I don't think it's right. I was hoping to save on interest of my loan amount by reducing it making more frequent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: MO

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-08-11 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: MO

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: AZ

Complaint narrative:
There is a fraudulent account that was verified as accurate by Experian and XXXX. I have not done any business with XXXX XXXX XXXXXXXX, but there is a credit card that was opened in my name. The investigation done by Experian and XXXX could not be accurate because I was unable to get a verification of my SSN used on the original application.

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