vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: VA

Complaint narrative:
In accordance with the fair credit report act XXXX has valid my rights Account # XXXX 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 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 non-monetary relief
Consumer complaint received 2022-04-08 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: OH

Complaint narrative:
I accordance with Fair Credit Reporting Act XXXX Account Has violated My 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 state A customer reporting Agency Can not furnish Account Without my written is instructions XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-08 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: Nelnet, Inc.
State: AL

Complaint narrative:
FirstmarkXXXXs extended a loan to a known felon in XX/XX/XXXX with my name unknowingly and fraudulently listed as a co-signor. I sent in a full packet to Firstmark, which they received on XX/XX/XXXX, which included a police report, FDIC fraud report, notarized signatures, notarized proof of my identity, a notarized fraud affidavit, etc. Instead of processing this packet, they demanded more signatures from different dates, although they had no signature from the felon to compare them to. I did send in several more signatures in XXXX, yet they have still failed to remove my name from this fraudulent line when I filed several disputes with the credit agencies, and they are also refusing to remove a hard inquiry in XX/XX/XXXX when I filed 2 disputes with XXXX. 

XXXXXXXX XXXX has recognized the loan is fraudulent. They got the money back from the school and zeroed out the account. 

But despite multiple disputes with credit agencies, Firstmark refuses to remove my name from this loan 's credit line as recently as yesterday. Refusing to remove my name from the hard inquiry on XX/XX/XXXX ( which I did not authorize ) is lowering my credit score with XXXX. 

( XXXXXXXX XXXX extended the loan, but FirstMark is currently processing it )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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:
N accordance with the fair credit Reporting act XXXX  account XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # 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 sates a consumer reporting agency can not furnish a account without my writing 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 2022-04-08 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:
N accordance with the fair credit Reporting act XXXX  account XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # 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 sates a consumer reporting agency can not furnish a account without my writing instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: PA

Complaint narrative:
I never open this account. This account is fraudulent and I will like this remove off 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 explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
So ill start from the beginning. On tuesday this week, i reported fraudulent activity on my bank account. I take full responsibility because i clicked on an ad on XXXX XXXX advertising a XXXX case, but it turned out to be a scam and they stole my card info to make multiple charges. After calling citibank to dispute the charge, they cancelled my old card and sent me a new one. The next day, my new card arrives and i go to activate it. But, there is one problem. My PIN wasnt working. I NEVER changed my pin so it seems that citi changed my pin without my authority. After only a couple failed attempts, my account became locked. It has been 2 DAYS and my account is apparently under review for absolutely no reason. Customer service? XXXX XXXX XXXXXXXX. This might actually be the worst company on the planet. After 3 HOURS on the phone, NO ONE HELPED US. They would either hang up or say they dont know what to do. We asked if THEY can activate the card, but after they said they did, it didnt work. Really? What kind of company treats their customers like this. When i reported fraud on my account, citi NEVER locked it. But after 5 failed attempts at activating my card because citibank changed my pin, my account becomes locked for 2 DAYS. I dont know what to do anymore because clearly, no one can help me. Even XXXX is better than this company!

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 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Received two separate emails in regards to two new accounts being opened under my name and SS # with Bank of America on XX/XX/2022. Contacted several local branches and they were no help. Called several phone numbers on their website and was finally able to get ahold of a representative. Received a fraud email containing documents to fill and resubmit, by mail or fax. I do not have any accounts with Bank of America other than the two fraud accounts that have recently been open. I want confirmation that the two accounts have been closed. I will be contact BOA about the forms they asked me to fill out with my personal information. I don't fill comfortable with give them any of my 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 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
Hello, I opened a checking account with a BANK using my valid drivers licenses, which contains my FULL name ( First, Middle, Last ). The Bank opened an account with ONLY my first and last name and left off my middle name. I am usually called by my middle name and I receive checks made out to my middle name and last name. The Bank has refused to cash checks made out to my middle name sighting " Its made out to a 3rd party, not me ''. I have sent a copy of my valid driver 's license to the bank 4 times now as well as copy of my valid XXXX XXXX- both contain with my full name ( First, Middle, Last ). The lending institution says they can not accept a SCAN of my driver 's license or a picture of my driver 's license. The bank has no brick and mortar buildings. So how am I to get a copy of MY driver 's license to them other than a SCAN or taking a picture? It has become a farce that I can not get my own name corrected on my own bank account, which the BANK made a mistake upon opening my account, not me. I am attempting to correct THIER mistake and they are making it impossible. When the account was opened, I requested my FULL name ( First, Middle, LasXXXX ) yet the Bank chose to eliminate my middle name, which has caused a flood of issues. They keep kicking it back to me requesting a copy of my driver 's license. I'm getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: VA

Complaint narrative:
In accordance with the fair credit report act XXXX has valid my rights Account # XXXX 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 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 2022-04-08 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: VA

Complaint narrative:
In accordance with the fair credit report act XXXX has valid my rights Account # XXXX 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 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 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I have numerous Auto Hard inquiries on my Credit report I did not authorize. I notified XXXX numerous times certified letters and calls, even placed Identity theft notification on my report. I have called the companies to advise identity theft to remove these inquires and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/2022, my husband and I applied to BMO Harris for a mortgage loan for fha due my my lower credit score of XXXX, we had already been in the market looking at other banks so I know what my mid scores are and I figured I worked for this bank and they have special discounts for employees, so we wanted to apply. As always I do my research to see what banks credit score requirements are for fha loans, and on BMO Harris website, it states a minimum score of XXXX ( I have that ). So we applied! I got an email from a loan officer by the name of XXXX XXXX, that said, Unfortunately my score is a XXXX ( this I knew already ) and it has to be a XXXX. I then responded even for fha loans? She replied, yes if Im a first time home buyer I need a XXXX. I then proceeded to tell her that BMO website stated otherwise which showed a XXXX credit score and advise her that if that was a requirement that should have been stated in the website where I would have reconsidered applying knowing that I dont meet the requirement and would have never took the time to apply and have my credit ran for a another ding to my credit report! She had yet to respond back!

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 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
My home mortgage with Newrez started from XX/XX/XXXX, and my 1st payment was XX/XX/XXXX1. Because my initial Loan-to-Value ( LTV ) Ratio is above 80 %, I paid PMI of {$67.00} each month in XX/XX/XXXX and XX/XX/XXXX. In XXXX, I paid additional principal, so LTV ratio dropped to below 78 % as of XX/XX/XXXX. I talked to an agent of Newrez around XX/XX/XXXX. They confirmed me that I would not have to pay monthly PMI of {$67.00} from XX/XX/XXXX, these amount of {$67.00} would go to my Escrow account, and my monthly statement would be the same. However, Newrez still charged me monthly PMI from XXXX to XXXX until my loan was transferred to another service provider in XXXX. Furthermore, my new loan service provider received wrong information and still charged me monthly PMI. 

I talked Newrez for reimbursement on XX/XX/XXXX. They refused to give me reimbursement because they were no longer the loan provider. 

I now request Newrez to reimburse me the overpaid PMI of three month ( XXXX, XXXX, XXXX ), which is $ XXXX = {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX under the name 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions All Accounts in Violation XXXX  XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX under the name 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions All Accounts in Violation XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # 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 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
I didn't receive my bill from HSBC last month, and they only contacted me after they had charged me a {$25.00} late fee and {$1.00} in interest. I tried to contact them through their website and over the phone, and both systems were down at the time. So I sent them a letter with a check for the full balance, but I said if they insisted on charging me the fee I'd pay it but I wanted my account closed. I also said if they waived the fee I would continue as a customer. They cashed my check for the full amount due but didn't close my account. And then AFTER my balance was paid in full, they charged me ANOTHER late fee of {$37.00}. I want my account closed and any negative information reported to the credit agencies to be wiped clean. And I'm not paying more late fees after the account balance was zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I charged two rooms for one week on my Capital One credit card for an all inclusive resort ( XXXX XXXX XXXX  XXXX XXXX ) on XXXX XXXX, XXXX for a vacation for myself and family to arrive XXXX XXXX, XXXX for {$5900.00} each for a total charge of {$11000.00}. 

Due to Covid, we had to cancel our reservation on XXXX XXXX, XXXX, and XXXXXXXX XXXXs promptly gave us a full refund for both rooms ( i.e., two separate refunds for {$5900.00} each, which is where I think the problem started ), for which I have written proof. 

Capital One only processed one of the refunds for {$5900.00} and for the past 3 months has refused to acknowledge their error. The issue here is NOT with the merchant. They have been very forthcoming about their having submitted two refunds, not one. 

I have sent documentation of proof of all of this to Capital One and have gone through their lengthy complaint process, all to no avail. They do not seem to realize that the issue is with them, not the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was told to send a friend money from their cousin, so I did so and a month later the cousin refuted it as fraud so the bank reverse the credit and XXXX dollars was taken out the account but now the cousin got XXXX and my ex friend has 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 2022-04-08 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: Total Card, Inc.
State: VA

Complaint narrative:
Total credit card not reporting payments to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # 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 non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST COMMUNITY MORTGAGE, INC.
State: AR

Complaint narrative:
My loan was recently transferred to another processing company for First Community Mortgage. I mailed in my first payment to XXXX, as directed in the letter I received regarding the transfer. The payment cleared my account on XX/XX/2022. I have called the processor 4 times to ensure that my payment was processed correctly. I have been informed that there is no action I can take to ensure that the payment can be applied correctly until the end of the month. In fact, each time I have called, a customer service rep has informed me that I have a payment due on the first of XXXX. I spoke with a customer service supervisor named XXXX on XX/XX/XXXX and was informed that I have no ability to speak to anyone over him to ensure that the payment is applied correctly. He would not give me any information on who his supervisor is, when the supervisor would be coming to work, or even just the ability to leave a voicemail for his supervisor. Each time I called this company I was given different information as to when the payment would be credited to my account. It concerns me that there is no redress for poor customer service with First Community Mortgage and their processing system. 

Thank you for your time, 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 explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts on my credit report has been taken care of with the company XXXX. They were both paid in full as you will see in the attachments and agreed to be removed as a paid for delete. Ive disputed this information with Equifax at lease twice but they still refuse to remove from my credit report as XXXX did. This information is preventing me from receiving approval for a Mortgage loan for myself and family. These accounts were paid on XX/XX/2019 ( {$100.00} ) and the other on XX/XX/2019 ( {$130.00} ).

Company response to consumer: Closed with explanation