vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
There is an account on my credit report that says I owe them money for something. I've never done business with them I have no idea who they are. Experien just keeps saying " oh they verified, '' how the XXXX would they do that when I've never done business with them. This is the second time I've disputed the validity of this report and twice now they've just blown me off automatically siding with whoever this company is. 
This is costing me money by hurting my credit score with no option for recourse without spending a ridiculous amount of time and money. 
But hey this is how you keep poor people poor and the rich, rich I guess. 
Just another scam working against consumers.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These transaction were not made by me and furthermore, I never gave written permission to report this information OR furnish this information on my consumer report. 
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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These transaction were not made by me and furthermore, I never gave written permission to report this information OR furnish this information on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: WI

Complaint narrative:
I haven't. been late in over 2 years but according to them I have, i thought it was because I was sending it to XXXX XXXX XXXX XXXX, Texas XXXX, but I sent my payment to the address listed on the bottom of the mortgage statement XXXX XXXX XXXX XXXX Texas XXXX they are still calling and leaving vms and sending letters like I am in need their help in managing my mortgage. In addition they are saying that I am putting the wrong loan number on my money orders when I have it memorized XXXX it hasn't changed since 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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: IN

Complaint narrative:
I have requested that FactorTrust provide me with a credit report and to freeze my report with their company. This request was sent on XX/XX/2023. On XX/XX/2023 I received a letter from the company stating that they found no record of a consumer matching my social security number and could not provide a report or freeze my information. I called their customer service number that day and was told to resubmit my information requesting that an account be created and frozen. A second letter was sent on XX/XX/2023 again requesting my credit report and that it be frozen. I sent requested documentation of SS #, Driver 's License # and a current utility bill. On XX/XX/2023 I received a letter from FactorTrust saying once again they had no record on file for me, and did not create an account or freeze as I had requested and been directed to do by their own customer service representative. I am sending a third letter today, XX/XX/2023 trying to request this a third time. Under the FCRA am I not entitled to have this been done? I am at a loss as to what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
TO REMOVE IMPROPER AND INCORRECT COLLECTION ON MY CREDIT REPORT FROM XXXX XXXX XXXX. REMOVE IT. IT'S FALSE AND NOT TRUE!! SEE SUPPORT DOCUMENTS. SEE ATTACHED.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
My XXXX credit report has the company FNB OMAHA on IT, BUT THIS ISNT MY ACCOUNT. I have NEVER had an account with FNB OMAHA. I have lived in XXXX  for the past XXXX  years. I want this account REMOVED FROM my credit report even though IT has been in good status since the year XXXX. Thank you for your 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 non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently obtained copies of my consumer reports from the credit reporting agencies ( XXXX, Trans Union, and XXXX ) to discover that your company 's information continues to be reported in a manner that violates the Fair Credit Reporting Act ( FCRA ). As previously communicated in past notices, I have raised concerns about one or more potential violations in the past, emphasizing the importance of complying with consumer rights and FCRA regulations. Specifically, I am referring to the closed accounts associated with the following : 1. XXXX XXXX Credit Card Account # XXXX 2. ) 1. ) XXXX XXXX XXXX XXXX : LOAN # XXXX, ACCOUNT # XXXX. 

Upon reviewing my credit reports, I have noticed that XXXX XXXX XXXX is reporting my experiences with your company in a manner that raises significant concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). The specific matter of concern pertains to the categorization of my line of credit with your company as " utilization '' and the categorization of my payment history / status with your company as transactions, on my consumer reports. It is my firm belief, supported by the relevant legal provisions, that your company is unlawfully reporting this information on my consumer reports. I would like to draw your attention to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which states : " 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. '' The law is unequivocal in its statement that information pertaining to transactions or experiences between the consumer ( myself ) and the person ( XXXX XXXX XXXX ), making the report, should not be included on consumer credit reports. Utilization is inherently an experience with the line of credit extended between the consumer ( myself ) and your company,, which qualifies it as an experience that should not be reported on my consumer credit reports. Payment history or status is inherently transactions, between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) which qualifies it as information that should not be reported on my consumer credit reports! By reporting this transaction on all of my consumer reports, XXXX XXXX XXXX appears to be in clear violation of the FCRA ( 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ).

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently obtained copies of my consumer reports from the credit reporting agencies ( Experian, XXXX XXXX, and XXXX ) to discover that your company 's information continues to be reported in a manner that violates the Fair Credit Reporting Act ( FCRA ). As previously communicated in past notices, I have raised concerns about one or more potential violations in the past, emphasizing the importance of complying with consumer rights and FCRA regulations. Specifically, I am referring to the closed accounts associated with the following : XXXX. XXXX XXXX Credit Card Account # XXXX XXXX. ) XXXX. XXXX XXXX XXXX XXXX XXXX : LOAN # XXXX, ACCOUNT # XXXX. 

Upon reviewing my credit reports, I have noticed that XXXX XXXX XXXX is reporting my experiences with your company in a manner that raises significant concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). The specific matter of concern pertains to the categorization of my line of credit with your company as " utilization '' and the categorization of my payment history / status with your company as transactions, on my consumer reports. It is my firm belief, supported by the relevant legal provisions, that your company is unlawfully reporting this information on my consumer reports. I would like to draw your attention to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which states : " 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. '' The law is unequivocal in its statement that information pertaining to transactions or experiences between the consumer ( myself ) and the person ( XXXX XXXX XXXX ), making the report, should not be included on consumer credit reports. Utilization is inherently an experience with the line of credit extended between the consumer ( myself ) and your company,, which qualifies it as an experience that should not be reported on my consumer credit reports. Payment history or status is inherently transactions, between the consumer ( myself ) and the person ( XXXX XXXX XXXX  ) which qualifies it as information that should not be reported on my consumer credit reports! By reporting this transaction on all of my consumer reports, XXXX XXXX XXXX appears to be in clear violation of the FCRA ( 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ).

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 2023-10-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: OH

Complaint narrative:
XX/XX/2022 we engaged with Schumacher Mortgage to build a new home and XXXX XXXX discussed with us a XXXX XXXXXXXX XXXX that we use 20 % of our home value down as a pre-payment for a new home. The numbers we discussed were our current home was appraised to sell at {$520000.00} and we owned {$300000.00}. The numbers on our contract are {$300000.00} + {$150000.00} for a total of {$460000.00} to pay Schumacher when we sold XXXX XXXXXXXX XXXX. We sold XXXX XXXX  for {$540000.00} and made more profit than expected and Schumacher is trying to force us to re-finance and dictate where the additional funds we made from the sale will go without our consent or agreement. As we discussed {$520000.00} is the number that we would profit for our house Schumacher can not play XXXX with someone's profit and try to tell us as the consumers and homeowners where the funds should be allotted. My husband and I have both tried to talk to XXXX XXXX ( NMLS # XXXX ) and the XXXX XXXX XXXX ( NMLS # XXXX ) to resolve this and we are getting XXXXhree different reasons as to Schumacher is saying that they can take our additional funds and I have read our loan papers and there is nothing, nor is it spelled out clearly and we asked them to highlight it and provide us the terms that show they can play XXXX with our profit. We also need to see where it states the profit needs to be applied bc we have in emails three different reasons and areas.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
It's still the same issue with Bank of America. 

They never helped me solve the situation. I already opened a complaint about them because of the way I was mistreated by their customer service. 

XXXX XXXX called me to help me with the issue and gave me a number to call. 

I called the number and they said they could do anything about my situation. 

I've called back to number XXXX extension XXXX and left a message to XXXX XXXX XXXX times and she never got back to me! 

So, still no help or effort from Bank of America to help me with my Financial issue, even me making much efforts to fix my debts with them. they really don't care!

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent in my FTC letters and late payment removal letters to the actual creditors and they have not responded in a timely manner and by them not responding back to me in a timely manner it's affecting my credit report because some of these accounts have been paid in full a are closed and the ones with late payments were paid off and brought up to good standing and I have asked the companies for a good will removal since the accounts were brought up to date and the accounts are paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I requested my personal checking statements from the company. I can not access them on the company 's online portal and they were never delivered to me any other way. I called the company 's helpline and they told me I needed to go into a branch to get them. Today I went in to a branch and was again told that they would not give me my statements. I also learned that they had been delivering my personal checking monthly statements to my mother and my brother without my permission for years. The company told me that they would not give me my statements but that I could request from them from my family members who had access to them even though I had not given them permission to have them.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello ; to whom it may concern, I recently sent out letters to the three major credit bureaus asking them to investigate my credit report to ensure everything is accurate and verified. I even went a step above and circled everything that was inaccurate on my credit reports before sending them out. After getting a reply from the bureaus saying that everything is accurate, verified and or updated, I noticed that there are still inaccuracies within my reports. I am a soon to be father looking to buy a home for my family and I absolutely need to have accurate credit reports to ensure my success in doing so. Also, all of my documents will be mailed out from the investigation. 


In accordance with the fair credit reporting act or the FCRA, the accounts XXXX, 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. It also states that the banking system ( credit bureaus ) is dependent upon fair and accurate credit reporting.

15 U.S.C 1681 section 604 A section 2 ; states a consumer reporting agency cant furnish an account without my written consent.

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 2023-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
ERC ( XXXX XXXX XXXXXXXX ) sent a debt collection notice for XXXX for XXXX XXXX XXXXXXXX. I wrote and said it was not mine and requested documentation relating to the account and debt. It was not sent. I received a fraud packet requiring I submit a police report which I can not possibly do without info on the account. I also provided proof of residency during the time the account was opened. I live in IL and the account was opened in PA. I wrote them and explained this. They won't respond and keep threatening to report this on my credit. I am a XXXX and this seems very shady and harassing. XXXX also has dubious fraud prevention measures. Finally, I froze my credit last year so not sure how this happened at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PNC Bank N.A.
State: UT

Complaint narrative:
In the month of XX/XX/2023 I was late with my payment, but still made the payment in XXXX and it was toward the end of the month of XXXX I went ahead and made XXXX payment as well since it would be due in a few days ( payment was mailed in ). They took XXXX payment and put it towards the principle instead of the payment, I called to fix the problem while i was waiting for them to fix it they reported to the credit bureau that I was over XXXX days late which dropped my credit XXXX points. This has happend to me XXXX times with similar circumstances. During covid XXXX XXXX XXXX XXXX  and let PNC know so I applied for a hardship because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so they moved those payments to the back of the loan which we agreed upon. Next thing I know my credit was dropped XXXX points because of missed payments, this was never disclosed to me that i would take a hit like that, I didn't think this would happen because of covid. I remember the news saying that you couldn't get in trouble with the banks.I feel that i have been treated unfairly and that i have been targeted, when i asked them to restore my credit and fix this problem I was told I would have to write a letter to them since nobody in there credit department took phone calls. Pretty crooked!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I took out student loans in XX/XX/XXXX. Nelnet serviced these loans. 

In XX/XX/XXXX, Nelnet declined to continue servicing Department of Education loans. Nelnet therefore closed my accounts and transferred my balance to XXXX, the Department of Education 's new loan servicer. 

I paid off XXXX in full in XX/XX/XXXX. XXXX accurately reports that I have {$0.00} balance with XXXX. However, XXXX inaccurately reports that I have a XXXX XXXXXXXX balance with Nelnet. This is false ; as stated, Nelnet closed my account and transferred my balance ( see page XXXX of the attached XXXX XX/XX/XXXX loan letter from Nelnet proving I have {$0.00} balance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aspen Yo LLC
State: MS

Complaint narrative:
XXXX XXXX, XX/XX/XXXX XXXX XXXX is holding my insurance checks that have been issued in order for me to have repairs done to my home due to damage on XX/XX/23. The serlveity of the damage has cause me to be displaced from my home for the past 4 months, which has caused financial strain and emotional distress.I first spoke to them they said once they received the checks they would promptly sign them and send them back out but are not doing so. They are causing further delay, in my ability to have the repairs completed so that I can return to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Have had account with PayPal for 3 years, attempted to use my debit card to withdraw money, check out at the register and attempt cash back, card declined! They said I had too many small outgoing transactions [ XXXX XXXX  ] and 1 large incoming transaction [ XXXX XXXX XXXX ] I have contacted PayPal every possible way, no reply from cutting support, waited 35 minutes on hold for a supervisor, then his advice was send the money to another person! I ended up sending the money to myself through XXXX at the cost of {$5.00} from my money!

Company response to consumer: Closed with explanation