vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE

Complaint narrative:
I Cleary asked for The company to provide the XXXX compliance disclosure on reporting transactions to a consumer reporting agency and they did not. 

COMMUNITY LOAN SERVICING is in violation of the FCRA and XXXX Compliance for reporting transactions to a consumer reporting agency. 

Notice Of Litigation ( Please See Attached Files ) Hard Copy of this notice was sent in the mail to : Community Loan Servicing , LLC, Customer Support, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is a follow-up complaint to XXXX. 

After several calls, I still can not transfer my Membership Rewards points from my AmEx account because the company refuses to adjust my account name to my full legal name. In your response, you stated : " Please contact us at your convenience using the number on the back of your Card so we may perform a name XXXX XXXX XXXX XXXX XXXX change on your account to reflect your full legal name. '' In the interim, I closed my gold account and transferred my points to my corporate card. Several times have I called you attempting to change my name. I have filed out an online name change request, providing you with my international passport, which is the only form of ID I currently possess in you US. That form of identification was denied for reasons that are not clear to me. In a call today ( XXXX XXXX ), a call center supervisor could not help understand why the name change was not performed. A different call center service member promised to perform the change at the end of XXXX, said that they were gon na get back to me in 24-48 hours, and never did. It was now said that some form is being mailed to me and that I should complete it, but that is not what was stated in the previous complaint and I have no indication that that will solve my problem. Evidence continues to mount of AmEx unwillingness to correct its mistake and reflect my full legal name in my account. Please, provide me with a phone number of a competent person that I can call to make this change and do not relegate me once again to your poorly trained customer service members since I have already done 5+ calls in the last couple of months and they have been utterly incapable of helping me. If a satisfactory resolution in not provided by the end of XXXX, I will be hiring an attorney and proceeding legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of infor mation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
The vehicle was in the possession of the co-owner. I was not aware of the debt accumulated on the vehicle due to divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that was not open by me. This has been hurting me since I am in the process of purchasing a home for my family. Please remove the fraudulent accounts as soon as possible. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
my identity was used under false pretense

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently viewed my account for the first time in over 4 years and noticed that there are 2 accounts that are on my credit report that I did not open, nor do I have any history as to where these accounts came from. I did not open these accounts that are on my credit report. These 2 fraudulent accounts are seriously negatively impacting my life and the ability to obtain credit. I did not create these accounts, nor do I have any knowledge of them, yet they are on my credit report and damaging my livelihood. I contacted my local police department and also contacted the credit reporting agencies informing them that there are fraudulent accounts being reported on my credit report. I was prompted to file an FTC report on the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
the Home Equity Line of Credit has had a XXXX balance for months. 3 times via telephone and 3 times via letter, I have asked to close this XXXX BALANCE HELOC and they continue ignore my requests for updates on the status AND have ignored my request to close the loan and remove it from my property deed. 
I have called. I have written several letters and threatened action with the CFPB. They utterly ignore my requests to close the loan. 
Specialized Loan Servicing, Loan 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 2023-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TN

Complaint narrative:
My loans were transferred to Edfinancial. I have contacted them on multiple occasions through all communication outlets they offer over the past 3 months without any response. My account is showing an incorrect repayment plan duration of a 10 year repayment and an incorrect monthly payment due amount of over {$900.00}. I SHOULD be showing for the extended payment period- graduated loan repayment plan that I am on with monthly payment of {$340.00}. The company used to have a message that would appear on screen when you submitted an email that it would take 5 business days to respond. Now, there is no timeline provided of any kind of expectation for a response and just has an on screen message stating " higher than normal volume ''. I have read many many different reviews sites with long lists of similar experiences, so I hope that the CFPB is either able to help this company correct these issues or that Edfinancial is shut down/not utilized for government student loan repayment. Loan repayment is difficult enough with the currently arduous process that was supposed to have been improved upon time of repayments. However, the process seems worse, and you aren't even able to reach anyone at the loan servicer to help with the more complicated process that is now in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XX/XX/2023 -- I called USAA to ask how to pay off my personal loan in full as I have the funds to do so. I also have a car loan with them. On the phone the representative said she could do the pay off. I clearly stated personal loan in my first words to her. Next thing I knew was that she was repeating the car payoff amount as she had initiated that payoff which was for more money. I was furious and she stated that both the amounts were listed together. They transferred me to an escalation person who offered options that involved a lot of cancel this and wait for that. 

I told them to let it go through and I paid off my car when I did not expect or ask to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around XX/XX/2023, I XXXX  {$500.00} to XXXX XXXX to pay for his IT services, from my BofA account. However XXXX XXXX never received his {$500.00}. I did called BofA for information more than once. Per BofA customer representative, the money was sent to a XXXX XXXX  account. XXXX XXXX did not own any XXXX accounts but only a BofA and XXXX XXXX acounts. He also called BofA directly on my behalf, suggesting that BofA can check through his BofA account to see if the money was received. BofA customer service promised him to look into this matter which never resolved. He also contacted BofA for this problem more than once. Frustrated, I wrote BofA a letter to their dispute department. Sadly, BofA never responded to my concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I filed bankruptcy XXXX  XXXX, which was discharged from Aspire credit card. They have on the automated system I owe {$1100.00} and a payment of {$600.00} is due in XXXX. I told them to delete this file I have a discharge order from the judge dated XX/XX/22.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
I bought a XXXXXXXX XXXX XXXX and it does not work. I called in and they said they would " reset '' the card and that the card would work. I waited an hour as instructed and the cards did not work. I have tried the card a few times more and it does not work. I called in again and they told me I would have to fax information to the company to get a replacement card. I do not have access to a fax machine.

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: PR

Complaint narrative:
So I do XXXX and I have the XXXX card which is payfare with XXXX XXXX, XXXX. 

Well yesterday I tried paying my phone and the payment got declined but I still got charged Today I've been trying to get in contact with whoever handles the XXXX card but they were no help most of the time they left me on hold and the last person just hanged up on me Cause of it now my phone is disconnected Seriously trying to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I never provided Equifax with consent or authorization to disclose pertinent information on my credit file reflecting inaccurate information. All in good faith and with full disclosure, this is a matter of importance that needs to be addressed immediately. 

As per 15 USC 1681s-2 ( 2 ) a -Duty to correct and update information - Late payments are considered transactions and experiences which have to be excluded from credit reporting, regardless of said company providing the information. 

Accounts with late payments : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There is incorrect info on my credit report should be correct and updated with document Letter By XXXXXXXX XXXX XXXX XXXX XXXX. As Proof of my Student Loan Paid In Full By The Biden-Harris Administration Forgiven Federal Student Loan Listed Below With XXXX In Full. Loan Type or Program ( XXXX ) First Disbursement Date XXXX Original Principal Balance {$26000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i didnt open a account with them someone used my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
i didnt open a account with them someone used my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I XXXX XXXX recently reviewed my credit report and I found unauthorized number wrong accounts listed on records etc will be attached in files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I XXXX XXXX recently reviewed my credit report and I found unauthorized number wrong accounts listed on records etc will be attached in files

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
A Loan was taken out in XXXX of XXXX, the loan was subsequently purchased by freedom Mortgage in XXXX. The Property is a FL condominium, and during closing and with all other lenders " XXXX  XXXX '' was not required. It was not in the truth in lending documents and no other unit in the building with other lenders requires it. It is now being billed to my escrow account for lender placed coverage for an amount of {$1400.00}. This has caused my payment to increase without warning and created a hardship. This is not an underwriting requirement for XXXX or XXXX  and there was no due process or constructive notice in regard to the coverage requirement. The new lender was aware that this coverage was not in effect when they purchased the loan and chose to purchase it anyways. I have spent countless hours disputing this and no one can send me where it is a requirement for this in there underwriting guidelines.

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