vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
I'm currently in XXXX  XXXX bankruptcy. In XXXX of XXXX  my servicing company BSI Financial submitted a letter to my attorney and the trustee claiming that I had arrears in the amount of {$3500.00}. They were unable to explain where the arrears came from since the loan had transferred from XXXX to BSI. I paid {$4500.00} which was the arrears plus my payment for that month. After that the company claimed that i still owned them additional backpay. I called several times and spoke to my account manager XXXX. She was unable to tell me why i owed additional money and said that she would order a payment history ( which i was told usually takes 24 hours ) then never contacted me back. I contacted them again and she told me it looked like the funds were not applied but were with their legal department. I was not contacted again and have since made every monthly payment on time. I since have sold my house and went to get a new mortgage loan. Upon applying for the new loan BSI financial said i've made every single payment late and that i was 1 month behind with no explanation of how i was a month behind. This is preventing me from getting a new mortgage or rental property and i'm going to be homeless. My title company had to contact them 7 times to get payoff information. Every time the title company was told that it had been ordered and they would receive it in 24 hours. Finally the 7th call they were told they need to submit a PDF form requesting the payoff which they were never told before. Much like my experience with BSI the company was irresponsible gave lack of information and ignored the request for resolution. This further provides evidence that my issue is not isolated to me. I've paid every payment monthly for 1 year on time which is the requirement to get a new mortgage loan and just now learned that i am somehow 1 month behind. How am i behind after a {$4500.00} catch up payment?! I'm now unable to get a new mortgage because of this company 's incompetent staff and poor records keeping/communication. I was never contacted by my account manager XXXX or by BSI to inform me that i was 1 month behind and every time i called i was never told that i was behind. Just that the funds had not been applied from the catch up payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I am writing to you requesting that you remove FCO from my credit report. FCO is a third-party collection agency. Furthermore, I never lived in XXXX XXXX. I lived in XXXX, which XXXX XXXX purchased ; by the time XXXX bought XXXX, I had already moved out. XXXX XXXX sold the debt because they could not pursue something not owed to them. Also, this rent occurred during covid, which was not that amount ; They inflated it. I am asking the CFPB to look into this, as I feel it needs to be investigated.FCO is a third-party collection! The state of New Jersey does not allow Covid rent debt to be sold to third-party collections XXXX was going to pay the balance to XXXX, but I moved before they could because the landlord kept pressuring me to move, and once you move, XXXX would not pay it off. This should not be on my report. 

XXXX XXXX XXXX  Respectfully, 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 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my accounts stating that I missed payments, I have my account since 2014 and was always on autopay, one time I changed bank institutions and one time the auto payment was rejected, I fixed that right away but they decided to close my account, my payment history has no missing payments since those years, I think they have an alternative motive to close customers accounts

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 2023-05-01 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 have been made aware that XXXX XXXX continues to violate my consumer rights excessively. I have had multiple encounters with the bank and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation. This behavior constitutes dead-right fraud and violates consumer protection laws. XXXX XXXX  has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous sending of emails constitutes harassment and abuse, which is also a violation of the law. Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. 

Account 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 2023-05-01 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 have been made aware that XXXX XXXX continues to violate my consumer rights excessively. I have had multiple encounters with the bank and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation. This behavior constitutes dead-right fraud and violates consumer protection laws. XXXX XXXX has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous sending of emails constitutes harassment and abuse, which is also a violation of the law. Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. 

Account Number : 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 2023-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KS

Complaint narrative:
I returned to school from XXXX. I was on an IBR with {$0.00} payments. I specifically asked XXXX XXXX to remove the in-school deferment because I was working towards PSLF. XXXX XXXX did not remove the deferment causing me to lose 2 years of payments. I worked full-time 40 hours per week in an extremely difficult public service position while attending school. Being that my payments were {$0.00} on IBR prior to this automatic deferment that I never asked for and furthermore asked to be taken off why would this happen. PSLF states 10-years of public service. I dont think as someone who has read and kept up with PSLF guidelines & done my part should be punished for improper handling of my request by the servicer. I have been trying hard to get this fixed and I have a complaint that has been in review with student aid for about a year. My payments were {$0.00}, I think its highly unethical that I was placed in an automatic deferment to begin with. Then they make all these changes and exclude in-school deferments after the servicers didnt properly do their job. Ive been trying to get his fixed for years, and for years I have been getting the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo continues to tell me the fraudulent charges I reported on my credit card from XX/XX/XXXX are valid. I nor anyone known to me or my husband made these charges. The fraudulents charges were made at XXXX XXXX in the amount of XXXX and some store called XXXX for XXXX. 

In essence, Wells Fargo is accusing me of 1 ) filing a false fraud claim and 2 ) filing a false police report for the fraudulent charges. When I first reported the fraud, Wells Fargo said nothing about filing a poliice report then said I had to, so I did, They still insist the fraudulent charges are valid which is against the law. 

My husband had signed and written the attached letter, validating that I am XXXX, can XXXX XXXX greater than XXXX a mile without XXXX XXXX XXXX or XXXX XXXX XXXX which is dangerous.

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 2023-05-01 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: Curfin Holding Company, Inc
State: IL

Complaint narrative:
Ive paid my loan for XXXX and XXXX on XX/XX/23 and my balance is not {$1900.00} my balance now is {$1300.00} plus my interest so its {$1300.00} so that balance on my credit report is incorrect also XXXX points was tooken from my credit because of this not being updated! Which was took from me after I made both payments!! I will like for this Lender to update my information! Immediately like he said he would when I went up there to pay my loan and take any remarks off my account because it is being paid!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority
State: NE

Complaint narrative:
I received a XXXX XXXXXXXX XXXX XXXX in XXXX. This scholarship either paid for your entire school, or it was converted into a loan if the school or service contract was not completed. I took a year off of school to deploy in XXXX with all intentions of returning to school and picking my scholarship back up. When I returned, I was informed that I could not do that, which was the opposite of what I had been told prior to leaving. I received a correspondence from the Kentucky Higher Education Student Loan Corporation saying that my scholarship, now loan, was in default. I began paying them back, lost a job, and had to stop paying. The KHESLC sued me. We went to court for this matter, since I had the time in service that was stipulated in the contract, and I later received a letter that the matter was dropped. Since then, I have not received any communication from the KHESLC. I have, however, received credit alerts, about once every two years, that I am behind on my student loan payments to the KHESLC. I called the corporation to see what could be worked out, and they had no information on my loan/scholarship/default anywhere in their system. I have tried multiple different ways to get this removed or somehow taken care of, and none of them seem to do any good.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: VA

Complaint narrative:
On XX/XX/2023, I was informed that there was a change to my credit report via XXXX email notification. 

I called the company number displayed on the information given to me by XXXX but, had no luck getting through to the company. Company information is : Zions Debt Holdings LL Address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX Phone : ( XXXX ) XXXX Balance : {$3200.00} I have no clue where this balance came from, or why it was sent to collections under my name. I am closely watching my credit report as I am looking to purchase a home and have no idea where this debt came from or why. 

I believe i may be a victim of fraud.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-05-01 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: CA

Complaint narrative:
In accordance with fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

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 2023-05-01 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: CA

Complaint narrative:
In accordance with fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have been made aware that Barclays Bank Delaware continues to violate my consumer rights excessively! I have had multiple encounters with Barclays and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation! I did not give my consent or authorize them to furnish my nonpublic personal information! This behavior constitutes dead-right fraud and violates consumer protection laws. Barclays Bank Delaware has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. 


Account Number : 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 2023-05-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have been made aware that AMEX continues to violate my consumer rights excessively! I have had multiple encounters with AMEX and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation! I did not give my consent or authorize them to furnish my nonpublic personal information! This behavior constitutes dead-right fraud and violates consumer protection laws. AMEX has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. 

Account Number : XXXX

Company response to consumer: Closed with explanation