vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: World Acceptance Corporation
State: VA

Complaint narrative:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I pulled my credit report and noticed a charge off from XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on TransUnion. I sent a notice to the creditor requesting for a 1099-C form on XX/XX/2022 but they failed to reply and I sent a follow up response on XX/XX/XXXX, and they failed to respond again. 

This information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX has understood this, but TransUnion still has not deleted this information that needs to be deleted.

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 2022-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: College Foundation, Inc.
State: NC

Complaint narrative:
I am out of work and have been trying to contact college foundation regarding my loan for a forbearance. The hold time is excessive 30 mins or more than sometimes after holding so long it will disconnect and I have to start all over again. They have a message as of they are having phone issues since XX/XX/2021. They have reported me to the credit bureau and the are a con and scammed. Even when the president places XXXX  loans on hold they stated they didn't have to and made threats I need a forbearance as well as another servicer they XXXX and are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have not ever received any written notification in reference to a Comenity Bank/Victoria Secrets Card . I had a Victoria Secret Card that was submitted with a XXXX XXXX XXXX that was filed in XXXX and discharged in XXXX. Since then I have not had a Comenity Bank/Victoria Secrets card nor have I received in written communication referencing a debt owed. I have not have any reporting to any CRA 's that a debt was owed, past due or charge offed. On XX/XX/XXXX, after relocating to Florida and starting a new job, I received a very threatening call from XXXX XXXX XXXX XXXX out of XXXX TX. The women told me that there was a warrant out for my arrest and that they had a default judgement against me, she verbally provided a case # and stated that I had until XXXX pm that day to pay to stop the warrant and final judgement. I working as a XXXX in the XXXX XXXX and can not have any negatives on my credit. So in fear I immediately paid the debt without verifying if the debt was even valid. The women knew all my personal info and sounded very convincing. I emptied my savings and paid {$3100.00} to XXXX XXXX XXXX. I received a letter from them confirming debt paid in full. As of XX/XX/XXXX I have started receiving calls for the same debt stating that same a warrant and default judgement being issued. I started receiving calls from XXXX XXXX XXXX say that I owe for {$1700.00} in fees to include an amount of {$390.00} being part of the original debt. I contacted Comenity Bank/Victoria Secrets company on XX/XX/XXXX who stated that they do not show a card or a past due debt referred to a debt collector. I called XXXX XXXX XXXX who stated that they have no cases or judgements pending or ever filed against me. I checked my credit reporting and no such debt shows on my credit file. XXXX XXXX XXXX, have been rude, threatening and demeaning and have not provided any proof of this debt. They have not provided anything in writing, nor over the phone when I requested both. I told them I do not owe anything and that I am not required to pay on this debt per the protections under the FDCPA. They call from different numbers, they answer the phone by saying just hello, they do not say that they are debt collectors or that their line is being recorded. I have told them I do not owe this debt and they keep calling. These companies are not practicing in accordance with the FDCPA and consumer protection laws. I am needing your assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TiXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX I was the victim of identity theft and fraud. My information was phished and the thieves used my information to XXXX the last XXXX dollars to themselves and proceeded to open a personal loan in the amount of XXXX. I immediately called citibank and reported the fraud. I was told that my account would be locked and protected. During the time of the ongoing investigation my paycheck was direct deposited into the locked account. I have called several times to get help to regain access to my account as I need the money to pay bills, buy food, and get gasoline so that I can go to work. I have XXXX small children and a sick wife and I can not go on without my money. When I call into CitiBank to explain my situation and get some help I get told misleading information. I was told to go to a physical branch and they could resolve my case. I drove two and a half hours to the nearest branch and was told that there was nothing they could do for me. I called for an update on my case as I have received no information or updates and was bounced around from wrong department to wrong department and eventually hung up on. I have clearly explained my situation to every person I spoke to and yet it seems as if there are no notes on my case being recorded and no action taken to resolve my issue so that I can have my earned money. They are holding my money hostagXXXX and refuse to offer me any solutions or help. Being ignored, and given false information and not being able to access money that is mine has left me struggling and XXXX. There should be an easy solution to my problem. I've done everything they've asked, I've provided them with a great deal of detailed information and yet there is no communication from CitiBank.

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 2022-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2022, XXXX XXXX dollars were taken out of my savings account with Bank of America and it was an unauthorized transaction. The next day, XX/XX/2022, I decided to check my balance to see if I could buy myself food and see how much money I would lose from doing that and I see that under my checking account amount my savings account said XXXX XXXX dollars. I clicked the number and found that the rest of my savings has been taken from me without my knowledge of how it happened because that was not an authorized transaction. I decided to call Bank of America after I realized to get told by 2 different employees that they could not do anything because the transaction was still processing and that once it is processed then they can help me dispute the transaction. The 2 employees also informed me that the transaction was done through a XXXX account and that I have to get in contact with XXXX because XXXX is who can get me my money back, not Bank of America. I then decided to call XXXX, and I was then told that because the money is processing and Bank of America is allowed to freeze my account so the money does not leave and then I can get my money back. So, I called Bank of America again where I was told the same thing as the first two employees informed me to do. After that, I decided on Monday, XX/XX/2022, I would go to the closest Bank of America ( location XXXX XXXX XXXX XXXX, XXXX SC ) which I arrived around XXXX XXXX  and, when I talked to somebody I was told that the money has been processed and that the only thing I can do is call their customer service number and claim fraud because that is not their job at that branch. After that I went to a different one the next day, Tuesday, XX/XX/2022, around XXXX XXXX  ( location XXXX XXXX XXXX XXXX XXXX SC XXXX. There I told them what happened to my account and the two women asked me " did you give somebody your phone because, it was a transaction sent off your phone, '' and " did you call the number that the money was sent to? '' One of the women ( whose name is XXXX XXXX ) then proceeded to write down the person who did this to me number as well as my XXXX name and told me " to call the number and get my money back. '' After I was told that I went to my car where I eventually found out about this company and is now making a claim about it.

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 2022-04-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/22 at XXXXXXXX XXXX XXXXXXXX, I called Chase Bank to inquire about a credit card transaction and the rep who answered gave me all the details I requested regarding my account without verifying my identity. I added a mandatory password to my account and asked for a supervisor. The supervisor, XXXX from the XXXX MO location, said she would file a complaint and have someone listen to the call but I would not get any updates or info regarding the resolution. She got rude with me and hung up in my face just because I was concerned for the protection of my personal data. 
I asked for a transcript of the call but she told me I had to get a court to subpoena the record if I wanted it and they would not release it to me. She also refused to give me the name of the original rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I filed a complaint on XX/XX/25 regarding a threatening voicemail I received from Navient. I attached the voicemail to the complaint. They have been calling now every night at XXXX. I will attach the voicemail again, which include threats of XXXX and XXXX. 
The complaint ID is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Apple - Goldman Sachs does not accept United States Postal Service po box as a legitimate mailing address vs. a physical billing address.

Millions of Americans especially in rural areas rely on a USPS po box , to prevent mail theft, identify theft, etc that stems from rural mailboxes being isolated and unattended.

Yet the financial services companys expectation is that consumers who pay by mail have to mail their checks to The Apple Card payment address which is : Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I deal with XXXX, XXXX, XXXX, XXXX XXXX and other using a USPS po box , no questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed these accounts on my credit report because they're inaccurate. I found out they were inaccurate when I ran my credit report for a refinance on a home and these accounts and inquiries appeared on my report. I sent out a letter through the mail on ( XX/XX/2022 ) and its been sixty days!! since I've received a response. I sent out another mail ( XX/XX/2022 ) certified and I still haven't received a response. The credit bureaus are in direct violation of the fair credit reporting act. I would like these unauthorized accounts and inquires removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing LLC ( SLS ) and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, not in its individual capacity but solely as trustee ( the TRUST ) are attempting to foreclose our property without any legal standing, resorting to fraudulent and deceptive practices to commit counterfeiting and racketeering. SLS repeatedly gave us a runaround for our Qualified Written Requests for Verification of Proof of Claim, including TRUE SALE of our mortgage loan and promissory note from XXXX  XXXX XXXX XXXX ( XXXX  ) to the TRUST, power of attorney from XXXX to SLS and the TRUST to SLS. In a response dated XX/XX/XXXX, to our complaint filed with CFPB earlier, SLS again failed miserably to provide any proof or evidence that would validate a legally acceptable TRUE SALE occurred on or before XX/XX/XXXX, showing the TRUST has legal interest on our Mortgage Loan and Promissory Note which we obtained from XXXX in XX/XX/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 2022-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I pulled my credit report and noticed a charge off from Capital One that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX. I sent a notice to the creditor requesting for a 1099-C form on XX/XX/2022 but they failed to reply and I sent a follow up response on XX/XX/XXXX, and they failed to respond again. 

This information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX has understood this, but XXXX still has not deleted this information that needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 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 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 15 U.S.C 1666B : A creditor may not treat a payment.

on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 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 15 U.S.C 1666B : A creditor may not treat a payment.

on a credit card account 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 explanation
Consumer complaint received 2022-04-13 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:
FRCA Violation XXXX  loans XXXX XXXX FRCA Violation credit card XXXX XXXX FRCA Violation other loans late payment XXXX  XXXX XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-04-13 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:
FRCA Violation auto loans XXXX XXXX FRCA Violation credit card XXXX XXXX  FRCA Violation other loans late payment XXXX  XXXX XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I just recently did another dispute, which Im uploading here. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.

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 2022-04-13 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following have violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-13 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following have violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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