vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would first like to note that this complaint is being done on behalf of myself, the consumer, and not a third party repair company. 

The credit reporting agencies continue to verify information on my credit report without consent. They have reported back that the account has been verified numerous times without providing the method of verification or providing an investigative consumer report. This leads me to believe these agencies are only pushing my documents through an E-Oscar machine and not taking reasonable procedures and verifying them accurately as they should pursuant to 15 USC 1681 ( b ) These agencies continue to furnish this specific extension of credit which is a direct violation of 15 USC 1681 ( a ) ( 2 ) ( B ). I the consumer also never gave written instruction to any of these agencies to furnish this alleged debt, and until these agencies can provide a certified document showing written authorization from I the consumer, each agency is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) and will be held liable for all violations committed against the I, the natural person. 

I have demanded a method of verification via certified mail w/ return receipt as of XX/XX/2022. 2 out of 3 of agencies have received the document and another is in transit as of XX/XX/2022 via U.S Postal Service. The continuation of furnishing this negative information without the method of verification or certified written consent from I the consumer, constitutes aggravated identity theft by each agency pursuant to 18 USC 1028A. I have CC 'd the Consumer Financial Protection Bureau and the Federal Trade Commission in each document to ensure each company takes proper procedures in doing their due diligence and to maintain fair and accurate reporting. 

The continuation of furnishing inaccurate information has withheld me from obtaining credit for my personal, family and household needs. I have worked tremendously hard to maintain a high credit score, and these agencies continue to ruin my reputation by reporting this inaccurate 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 2022-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet , Inc., my private loan servicer, has recently informed me on XX/XX/XXXX that I have been reported to the national credit reporting agencies for delinquency. According to Nelnet, I am 90 days past due on my account. 

I have had every intent to pay, and have called in to the Nelnet customer support line on a recorded conversation to pay. XX/XX/XXXX I spoke directly with a representative and told them to pull the funds from my last form of payment on file. They confirmed and submitted the payment. I had also done this on XX/XX/XXXX, and XX/XX/XXXX of XXXX. I was not informed, however, that they were using a previously decommissioned bank account, which has not been in service for XXXX years at least. I was also not informed that my payments were bouncing, and only told that they were delinquent. 

As of today, XX/XX/XXXX, I have paid up to current with Nelnet and I want to contest this negative credit report because I have made numerous attempts to pay and was not informed that the representative was using a bad account. I've also tried to remove the old bank account from my file, but was told by Nelnet that they were unable to do so. This could lead to future issues if a representative erroneously uses the account. Please help me clear this delinquent credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The summary of the story here is that I got scammed, but the real issue is the lack of basic informative language that was provided by Bank of America to me which would have saved me from being scammed. 

I was attempting to sell a mattress on a secondary market and a potential buyer contacted me about wanting to purchase. He put up faade about being an older man and having a hard time getting around. He then indicated that he will be using movers to come pick up the mattress and a few other items from around the city that he had purchased. The scam was he sent me a check greater than the purchase price of the mattress and asked me to send the difference to a separate zelle account " owned '' by his movers. Once I received the check, I deposited on my mobile and the next business day, the balance amount had increased by {$1400.00}. As an average consumer, I took that to mean the check had been cleared and the money was in my account, so therefore, I Zelled the money out as he was asking for. 2 days later, the check bounced, and the {$1400.00} that I thought was in my account had been deducted. 

Only after all of this had happened, I called BofA and I learned that the increased balance does not actually mean that your account has the money, and in fact it takes 7 business days to clear the check. BofA had zero language whatsoever to indicate that the increased balance in your account does not actually mean the money is in your account. That is an incredibly deceiving practice and had there been any sort of communication about this, I would not have been scammed at all. 

To any average consumer, how are you supposed to know that seeing an increased overall balance does not mean the money is yours? Secondarily, this may lead consumers to overspend on their existing balance while the check is still being processed and therefore lead to a fee for the bank when the check bounces? This is truly despicable behavior from Bank of America.

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 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Hello, my loan is financed through FlagStar bank. I have been trying to wrap up my forbearance and start making payments again since XX/XX/XXXX, and have been unable to do so due to multiple bank errors, and delayed processing on part of the bank. I would like to file a complaint and have this escalated somehow so that I can just resume making payments and bring my account current as soon as possible. I have detailed records of my interactions with the bank that I would be glad to provide. 
I have attached my hardship letter provided in XX/XX/XXXX that summarizes the interaction up to that point. I have made a large ( {$4800.00}, XX/XX/XXXX ) payment at the banks demand in order to continue to process my deferral, and continued to contact the bank weekly to wrap this up since then, and feel like I am getting nowhere. For example, I am supposed to have a single point of contact ( SPOC ) with knowledge of my account, but ended up talking to someone new today with no knowledge of my account ( same as nearly every time they call me ) who said she would escalate the issue and call me back ( which is what they usually say ). Thanks 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 explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was contacted by XXXX XXXX XXXX on XX/XX/XXXX at XXXX pm. They left a voicemail saying that this was a notice of a civic lawsuit and considered this as being served. I called back at XXXX pm. The respresentive processed to say that I owed a capital one debt in the amount of XXXX and that they would take me to civic court in order to collect and i would have to pay XXXX for court cost and legal fees. I proceeded to tell them that I did not have a capital one account since XXXX and that it was included in bankruptcy in XXXX. She supposedly check and said that this debt was incurred in XXXX and payments stop in XXXX. I asked how I could take care of this and proceeded to say that they were willing to take XXXX. I paid. It did not sit well with me afterwards so on XX/XX/XXXX I called to get a emailed receipt for it and they did. But the more I thought about it I knew I did not have a capital one card in XXXX. On XX/XX/XXXX I called capital one to verify if I had any accounts open or if I owed them any money, they verified that I didn't. Thats when I called XXXX XXXX XXXX to get more information about them, more specifically their debt collector license number, She said that they were not a debt collection agency but mediators for a debt collector and were registered with theBBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: OH

Complaint narrative:
I sent in a request to first ascertain whether or not first portfolio ventures have the right to collect a debt from a credit card I owe money to called indigo credit card. I sent them a debt validation letter in XX/XX/2021 by certified mail and I never heard back from them. The debt was for about {$960.00} and I intentionally contacted them with a debt validation letter to which they did not respond to within 30 days. Because they didn't do this I sent them another letter stating that they had no right to collect on the debt based on the fdcpa laws and left it at that. For some reason they keep attempting to contact me to collect the debt. The debt should have already been eliminated and if they try to report it to my credit heroes that would be illegal. I am concerned that they will do that because it was mentioned briefly during an argument with one of the debt collector agents. I have also already asked them to cease and desist in writing and they did not respond back. The certified mail # is XXXX and the debt validation follow-up was delivered on XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
CFPB : My name is XXXX XXXX XXXX. On XX/XX/2021 I sent a letter to all 3 credit bureaus ( Transunion, XXXX and XXXX ) via Certified Mail. All 3 letters requested that certain names and addresses be removed. 

I got responses from XXXX and XXXX almost immediately after receiving my letter. XXXX took care of it without contacting me and XXXX asked me to call about an item and then took care of it online. 

Someone from TransUnion signed for the Certified Letter on XX/XX/XXXX ( see attached ). It is now over 45 days later and I have heard nothing from Transunion. I went to their dispute center today and it showed no pending dispute from me. I checked my credit report from TU this morning and there have been no changes at all. I sent my request by certified mail to have a paper trail to show when they would have to begin taking care of my request. 

I would appreciate your help on resolving this issue. 

Thank you! 

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 2022-01-24 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: CA

Complaint narrative:
THE CREDIT BUREAUS HAVE FAILED TO DO A PROPER INVESTIGATION INTO THIS ISSUE I'M HAVING WITH THESE ACCOUNTS REPORTING ON MY CREDIT REPORT AND DRAGGING MY SCORES DOWN.

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 2022-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Insikt, Inc.
State: MD

Complaint narrative:
I am recieving XXXX XXXX e-mails a day from Lendafy advertising " Confirm Your Request : {$9500.00} Loan ''. I never applied for this loan, do not want this loan. When I attempt to Unsubscribe from the e-mails I am directed to another XXXX offering the same loan. I want this harasment to stop immeadiately.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-24 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: UNIFOUR FINANCIAL SERVICES, LLC
State: NC

Complaint narrative:
I had a vehicle loan with unifour financial and re financed it with XXXX XXXX XXXX XXXX and the payoff for unifour was received late ( XX/XX/XXXX. 
Unifour not only reported 30 days late but also reported a delinquent balance {$15000.00}. This is not correct and XXXX XXXX refuses to correct the information reported as being accurate.the information IS NOT correct and should be corrected immediately as I have photos of my credit reports and emails in which she says she will not change it.I will not settle for anything less than the correction on my credit file and my wifes credit file showing it as paid in full on time.

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 2022-01-24 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-01-24 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XX/XX/2020 I purchased 4 XXXX airplane tickets for my family from Bank of America through my Bank Of America travel rewards points in the amount of XXXX points, plus XXXX $ difference paid from a different credit card. Tickets were for XX/XX/2020 and because of COVID pandemic I was not able to travel. XXXX gave me vouchers for the amount spent to use within 18 months. Still because of the pandemic I was not able to use this vouchers and XXXX allowed me to get a full refund for the tickets originally purchased but stated that the refund had to be released from Bank Of America, which in this case played the role of travel agency. After tens and tens of attemps and stressfull and time consuming hours over the phone Bank Of America has still not refunded me the points and the amounts paid for the tickets.

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 monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Over the past several months, beginning in XXXX, I have been calling in several times a week to speak to my account officer assigned to me during the forbearance period. Within this time I have written in to XXXX, XXXX XXXXXXXX Complaints and have not received any assistance with a loan modification signed and notarized to bring my Mortgage payment down, my interest rate down. I called XX/XX/XXXX, XXXX, XXXX and XXXX along with XX/XX/XXXX and XXXX each of those calls escalating my case because they could not do anything but wait for a review and a supervisor to call me back. 
Calls in XXXX, XXXX, XXXX and XXXX had the same response as well as XX/XX/XXXX, XXXX and XXXX and throughout XXXX. 
I was not offered the XXXX  for reasons US Bank was an option they decided who would be hand picked to allow into the XXXX so I had to settle for the Modification that my assigned representative XXXX XXXX offered in XXXX of XXXX. A notary was sent to my home and on XX/XX/XXXX, I received another letter stating of confirmation of this modification, yet I am XXXX and I pay an increased amount of XXXX well over my original mortgage due prior the forbearance and above the XXXX agreed upon with a 3.25 interest where is was higher prior. 
I am not in a position to pay the increase US Bank imposed. I am have been told US Bank was not honoring the modification on XX/XX/XXXX. The representative advised me he would call me back within 2 days with the reason why, and he again, did not. 
I am being discriminated against since I filed a complaint with CFPB for the XXXX not being offered. No one at US Bank is able to assist me after multiple recorded calls and email receipts and various letters. 
I spend approximately 2 - 4 hours a day attempting to get assistance, and no one at US Bank is authorized to do so on my account.

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 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
In Approximately XXXX of 2020 my Mortgage Servicing co. Fay Servicing Offered me a forbearance due to the Pandemic and loss of income as my job put a group of us in standby status. No work, no pay. They refused a deferment said it was for veterans only. Didn't let me start paying current amount and defer the late payments. Wouldn't let me refinance either. The forbearance was two 6 months terms which was a year. At the end still refused to refinance and told me 3 to4 different stories about refinancing. One was 3 months into the mod, next 6 months into mod last 1 yr into mod before I can refinance, Although they said and the paperwork said that refinance was one of the options from the start they told me and the beginning of the mod that they didn't offer me a refinance was because i didn't ask for one. That was so untrue. Halfway through the mod trial period, which I had no choice but to accept, they threatened me with foreclosure. I called they said that the letter was a formality, not to worry they do that until the final trial payment is paid. Again, they refuse refinancing, so I started looking on my own and when they found out they sold my loan to XXXX XXXX. XXXX said they had no record of the loan. It.s has taken until today and we still have no resolution because XXXX is saying the mod have changed but they don't know what to or why. They said they are launching an investigation but there actions are somewhat suspect also for accepting a questionable mortgage and never calling me about the mortgage but now tells me its in-foreclosure status because for 3 months they can't accept payments because something has changed and they don't know what or why, yet they want proof from me that payments were made even though they said the can see the payments were made. Its a ploy to get me behind and then try to take my home because the games they are playing. It's deplorable and need to stop. The stress and expense I am going through haven taken a toll and I want it stopped, corrected and compensated.

Company response to consumer: Closed with explanation