vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 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: TX

Complaint narrative:
the accounts/ inquires cant be verified and need to be removed from my account 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 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 2022-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been working with the Maryland XXXX program to hopefully provide me with some assistance. I am in the final stages and have been told by the Maryland XXXX program directly that they have made a request for information relating directly to my loan in order to continue the underwriting process. They made a request on XX/XX/XXXX at XXXX and I was told on XX/XX/XXXX at XXXX that the Maryland XXXX XXXX has been in direct contact with our lender Truist via XXXX ( XXXX XXXX XXXX ) and that they have been unresponsive. At this point it has been almost 30 days. I contacted my lender the day the request was made and was told that it takes the Research Dept two business days to respond back to XXXX. Then I was told that they are backed up and it could take a little longer due to the amount of applications. It has now been almost 30 days and my most recent response was that they dont even have the request anymore. Im being told by the MD XXXX program that if my lender takes too long to respond it could delay or result in my application not being able to complete the underwriting stages. As the consumer Im stuck in the middle and it is extremely unfair and disheartening in already extremely stressful times for myself and my family. PLEASE HELP, I AM DESPERATE AT THIS POINT. 

Sincerely Signed, A man simply trying everything to keep a roof over his familys head.

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 2022-08-26 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: NY

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXXXXXX XXXX, DOE XXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, and US DEPT ED XXXX have violated my rights XXXX 

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.

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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have requested you to properly conduct an investigation on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX ( this account number is listed three ( 3 ) times for a different amount ) XXXX XXXX You are now claiming that these accounts are " Verified ''. 
I want to be clear, these are MEDICAL ACCOUNTs, that it is protected under the Health Insurance Portability and Accountability Act of 1996 Section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Credit card companies should be officially REQUIRED to show upfront what your " Minimum Payment to Avoid Interest Charges '' is on each month 's statement for your credit card bill, as well as on their online payment page, and not just in small print on the last page of your statement. It should be easy and obvious to see what that payment amount is, and you should not have to try to calculate that amount yourself. // The problem is that when you take advantage of those frequent credit card " balance transfer '' offers, some of the offers have required monthly minimum payments, and some of the offers do not. So if you take advantage of a credit card balance transfer offer, your required " Minimum Payment to Avoid Interest Charges '' may be different from your " Minimum Payment to Avoid a Late Fee, '' as well as different from your " Total Purchases on This Statement. '' // In my case, Commenity Bank only shows my minimum required payment on my " 0 % Balance Transfer Offer '' on the middle or last page of each statement, and only in small print in a column listed as " Details of Your Plans : Plan Minimum. '' Which means that I can only figure out what to pay to avoid an interest charge on my statement as a result of my " 0 % Offer '' by adding all of my purchases for that statement AND my balance transfer offer " Plan Minimum, '' which is not the same as what is listed as my " Statement Balance '' or my " Minimum Payment Due. '' // The funny thing is that on my last statement they changed my " Plan Minimum '' to Zero for that statement ( accidentally, I think ), but then charged me a small interest charge even though I paid more than the total of all of my purchases for that statement. I believe they will correct my charge, since the error was theirs, but it irked me that I should even have to the perform the calculation myself. // Since the company already knows for each of your statements what your " Minimum Payment to Avoid Interest Charges '' is, they should be required to provide it to you very clearly on both your written statement front page, in the same location as " Minimum Payment Due, '' and on their online payment page. I had thought that that was part of the most recent laws governing the credit card companies, but a representative at Commenity just told me that that was not the case. I would also appreciate knowing how to get this included in the laws governing the credit card companies, as I believe that this would help all consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I noticed that my most recent credit report contains a late payment reported For XXXX, XXXX for my Capital one Credit Card account., I had a major XXXX done I had XXXX done XX/XX/XXXX due to XXXXXXXX XXXX With my recovery 8-12 weeks Aside from this unforeseen and unavoidable circumstanceI have a excellent payment record with captial one and im not understanding why did they report XXXX and XXXX late payment reported to my credit repot and my account was granted hardship XXXX and the rep told me it wont be reporting late being thou i had a major XXXX done and was on bed rest so how i am going to pay anything i attached my XXXX  documents below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Due to the breach of my privacy, I am requesting the following items be deleted Immediately. 

XXXX EMPLOYER 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 Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : 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 2022-08-26 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: NY

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX XXXX, DOE XXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, and US DEPT ED XXXX have violated my rights XXXX 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXXXXXX, DOE XXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX, and US DEPT ED XXXX have violated my rights XXXX 

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.

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 2022-08-26 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: FREEDOM FINANCIAL NETWORK
State: MA

Complaint narrative:
in accordance with fair credit reporting act XXXX freedom financial account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my rights.. 

15 usc 1681 section 602 states i have the right to privacy...

15 usc 1681 section 604 a section 2 ; it also state a consumer reporting agency can not furnish a accunt without my writtren instructions.

15 usc 1666b ; a creditor may not treat payment on acredit caed accoun under an open en consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
We applied for a home equity loan with Discover on XX/XX/XXXX. This was all electronic, with a portal to upload documents and e sign everything. After attempting to upload income information unsuccessfully ( received error messages from the site ), we received several emails and phone calls that we needed to contact them. So we did. I spoke to a loan XXXX on XX/XX/XXXX. They verified some income information over the phone and advised we were pre-approved for approximately XXXX XXXXXXXX and what our rate and term would be. The agent told us we need to upload the borrowers certificate within 7 days and then we would get notifications of the documents we needed to upload as well for the loan. We were told the process was taking around 6-8 weeks and was also dependent on how quickly we loaded our documents etc. I could not e-sign the borrowers certificate so we printed and signed and then scanned it in and uploaded it the next day. Over the next few days we added our XXXX, proof of insurance and mortgage statement and other documents. We were waiting on pay stubs because that week was a XXXX period and we wanted to Ensure we had the two most recent to avoid delays. On XX/XX/XXXX we received notice our application was closed. We were very confused as we were proactively working on our part. I emailed the loan officer and said it needed to be re-opened. The told us no, we needed to reapply because 25 days had passed. We had no idea of this 25 day guideline and no one told us. Not to mention we were just pre-approved on XX/XX/XXXX so only 5 business days had passed. We made financial commitments based on the pre-approval we received and now have suffered damage because of this misrepresentation of information from Discover. I will also note the emails stating our application was closed says we havent been able to get in touch with you Which is blatantly a lie because we just spoke to them the week before and were proactively uploading documents to our application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 2022-08-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXXXXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have been a customer of USAA Federal Savings Bank for the last 15 years as my primary online bank. I have multiple products with them : checking and saving accounts and XXXX credit cards. I have never had any issues with them nor defaulted on any of my financial obligations. On XX/XX/XXXX, as I started to use the mobile app that I frequently use to access my accounts, a threating message was displayed that said if I didn't take this survey, all my access to the app will be revoked ( I don't have the exact verbiage, but it said take this survey or else ). The survey was a combination of intrusive personal questions about my income and how much money comes in and out of my account ( which by the way USAA has full access to ) and about a dubious product called XXXX for money transfers, which I am not using and will never ever use, as it has a bad reputation in the marketplace. No explanation was given as to why this survey is being forced on me and also what triggered this threating and coercive tone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
I recently was disputing the time in which Sterling is reporting a criminal case on a consumer report. as well as the Method in which they verify. 

Sterling responded back stating that there was no database and that they used name date of birth with a former Florida drivers license. 

I am requesting to see the verification. XXXX, based on the word of someone isn't verification. Sterling has many cases of inaccurate reporting as well as their methods of verification. I understand it is not entirely their fault due to the overwhelming inquiries how ever, Automation sometimes needs to have a person take the time to look at specific cases. 

Please provide proof of the method of verification which was used. 

The re-aging of accounts is a Violation of my consumer report. 

By law, it does not go by the date of disposition it goes by the date in which it happened. 

There are many cases where someone has a debt that was charged off and in collections or paying or communication triggers re-establishment of an account, but that is not the correct procedure. That is considered re-aging of a consumer 's information. 

Attached is the previous complaint that I made. And the response was not in compliance with the law. 
Complaint # 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 2022-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MA

Complaint narrative:
I worked for a certified employer from XXXX until XXXX. I have been given credit for under the PSLF program for XXXX, XXXX ( TEPLSF ) and XXXX. XXXX has not been given credit. I understood that payment programs did that did not count under PSLF would be counted under TEPLSF. 

I am attaching confirmation of my working for a certified public employer and my request for reconsideration for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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.

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 2022-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
My name is XXXX XXXX and I have an issue with Navient. I requested a refund on my payments made from XXXX through XXXX when I paid off my loan, I didn't realize these loans were in forbearance and I didn't have to make the payments. I researched and found out I can receive a refund for these amounts paid. I called Navient and spoke with multiple employees and they told me I'm unable to receive any refund, but they couldn't give me a reason why. My number is XXXX, please let me know if you need any additional information. 

XXXX XXXX

Company response to consumer: Closed with explanation