vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXXXX, 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 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX 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 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. 

Please note there is not actual account number listed for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
During the Covid pandemic my wife lost her job. We took a forbearance with our previous lender XXXX XXXX. While in forbearance our mortgage was sold to Freedom Mortgage company. I contacted Freedom to reinstate my loan to begin making payments again. My option was to make a lump sum payment for the past due amount or apply for a loan modification. I chose the loan modification as I did not have funds to repay the entire amount. 

I was told that 3 trial payments needed to be made beginning XX/XX/XXXX. We made the three payments and continued making regular monthly payments. We received notification in XX/XX/XXXX that we failed to make our XXXX payment. We had indeed made all of our payments but unbeknownst to us at the time, they assigned our 3rd trial payment to XX/XX/XXXX and our XXXX and XX/XX/XXXX payments were applied to XXXX and XX/XX/XXXX. 

Our only recourse was to reapply for a modification which we did. We received the paperwork in XXXX with instructions to wait upon their notary service to contact us. At the time I was not provided the contact information of the notary. I had multiple subsequent contact with Freedom Mortgage inquiring on when the notary service would contact me. The last time I contacted Freedom Mortgage was XX/XX/XXXX, the representative gave me a number to call directly to the notary service. When I contacted the notary service I was told my paperwork had expired. I asked the Notary service why they did not contact me, they stated they had called on three occasions but I didnt answer the phone. I asked why they did not leave a voicemail and she responded that their policy is to not leave voicemails. She also mentioned that my caller ID would show scam likely. I then contacted Freedom Mortgage to see what can be done. This was early in XX/XX/XXXX, customer service at Freedom confirmed my modification had lapsed and that she would resubmit it. Today XX/XX/XXXX I called Freedom Mortgage to ask when my modification paperwork would arrive. I was out on a brief hold and then told the agent I spoke with a few weeks ago did not submit the modification request.

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 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: HI

Complaint narrative:
I had a 0 % thru XX/XX/22 in accordance with the terms of my card. I sent a payment of {$3100.00} to Elan. They returned the payment that was mailed on XX/XX/22, it returned to me XX/XX/22 alleging they do not accept cashiers check from the state of hawaii, alaska, XXXX, XXXX or XXXX XXXX or any US terrorites over {$2500.00}. I requested the charges of {$100.00} and {$86.00}. I redeposited the check into my checking account from my bank which had a stale date ; the funds will be redeposited in 5-6 days, I will be subjected to additional interests. I am asking the bank to credit me interest charges as they have not kept there original arrangements of 0 % thru XX/XX/22. I called, ask for a supervisor never got a return call, and no one has authority to fix my credit card. I want to make a payoff payment on my XXXX  with Elan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
This year, my account was purchased by XXXX XXXX XXXX XXXX XXXX from XXXX. Citizens now holds over {$5000.00} of mine and I am broke. They claim to have XXXX a debit card to me in the XXXX, where I live, in XX/XX/2022. It never arrived. I have called the bank many times to learn the XXXX tracking number. Their employees can not find it. Without that number, I am locked out of all funds. Because of their poor responses, I am now being threatened with eviction this week for non-payment. 

Citizens Bank offered to give me access to my account if I would visit a branch. They have no branches in XXXX. Their next advice was for me to fly from the XXXX to Rhode Island. Their customer service staff may show a sense of humor, but their efforts are unhelpful and non-responsive. 

The bank seems badly disorganized. They have no on-line chat service. One must call by phone, with wait times of 45 min. All their websites are blocked from here, so all internet access is denied Their technicians can not or will not correct this problem for me and their other customers in XXXX. 

The only way I can address them on line is by sending a FAX. Citizens Bank has only one FAX number and it's usually busy. I have sent two faxes with all the information they ask, but the bank does not respond. 

Their customer service is notoriously terrible. Customers complain endlessly about Citizens Bank XXXX XXXX I think XXXX was outrageously careless of customer trust in selling to Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I sent RPM a certified debt verification and cease & desist order about some alleged debt. About some unknown alleged debt. There was no response from RPM of letter. All the sudden on XX/XX/XXXX there is a credit report collect entry in my file from RPM of {$340.00}. They have ruined my credit with this entry. It appears they have illegally used the set the clock back trick. credit report saying this is new debt. They are very unethical and like to pick on people with vowels at the end of their names.

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 2022-03-28 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: IL

Complaint narrative:
I have written to TransUnion numerous times since XX/XX/2021 that someone fraudulently applied for a credit card in my name through XXXX. TransUnion always validated the debt, which resulted me conducting my own investigating. I was desperate, because I was in the process of buying a home, but the underwriters stated I had to resolved my issue with TransUnion. I contacted XXXX and they stated they contacted TransUnion and followed up with a letter. I sent that letter from XXXX to TransUnion and TransUnion, I sent a letter to XXXX rebuking them on their process and they sent another stating they are unable to find evidence that the trade line display with TransUnion. After receiving this letter, the first thing I did was go to XXXXXXXX XXXX XXXX  to try to pull my TransUnion Credit report again. Although I was able to use this website to do this before, when I try to pull it for TransUnion, it tells me it cant confirm my identity. So I am not able to get the free credit report that I am entitled to by federal regulation, and which I absolutely need to access as apparently TransUnion is going to send me letters that lie and say that information has been validated, so I need to check this almost on a monthly basis to make sure that TransUnion is not incorrectly adding things to my credit report. Next I went to the TransUnion site to try to get a credit report. Apparently there is no way to do this without paying $ XXXX. I already had an account but forgot my password, and the code for forgetting your password is broken so it creates and infinite loop where it just keeps asking for your social security number ad infinitum. I went through credit karma to retrieve my TransUnion Report. I can conclude that TransUnion took my letters as frivolous and did not take my complaint serious.

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 2022-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
EVERY SINGLE DAY/ 7 days per week Nissan Motors Acceptance calls me regarding my lease payment that is less than 30 days past due. They call me between 4-6 times daily it is harassment and stressful. If I didnt have the money at XXXX, I do not have it at XXXX Am and if I got it, I would have paid it. That many phone calls per day is intended to harrass the customer. I have so much XXXX I cant even be in the same room as my phone. They call almost as late as XXXX PM. They need to STOP HARASSING CUSTOMERS. That many phone calls in one days is not going to yield outstanding payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
I have been contacted through multiple text messages and a letter by Halsted Financial Services regarding a XXXX XXXX payment. I do not have any knowledge who either of these companies are or have never done business with either of them. Their messages are from various phone numbers and appear to be a credit/payment scam. No inquiry for credit from either of these companies appear my credit reports and I have no delinquent accounts from either of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
There have been unauthorized charges from XXXX since XXXX, 2022. I have reached out to XXXX but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I received a collections notice via USPS stating that this account was in collections. I called XXXX who proceeded to agree with me that this was a fraudulent account but was told there was nothing they could do as it was already in collections. I have tried to contact the collection agency to dispute this, but this has not been successful. This account is for {$4100.00} and is really affecting my credit report as I apply to become a first-time home buyer. Another fraudulent account was also opened in my name with XXXX  and I was able to have that issue resolved.

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 2022-03-28 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: DFC Global Corp.
State: CA

Complaint narrative:
I have a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
contacted the original creditor and collections agency in regards to the information being reported and was told that they could not disclosed any information due to a violation of HIPPA.

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 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I made a credit card payment on Wells Fargo and it went through as expected. The problem is when I look at the ACH transfer on my bank statement I see that Wells Fargo has 9 digits of my credit card number in the XXXX description. Looking back through my bank statements, I see that this pattern is repeated for every payment I've made over the years.

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 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My Citibank checking account is showing as " Blocked '' on the online portal and in the mobile app. I received no notification through email, text, or mail. I contacted customer service through the in-app chat and was asked to contact the Fraud department via phone. I made 2 different phone calls to XXXX and spoke with 2 different customer service representatives on XX/XX/22. I was told that the account is referred for closure and that I will receive a check in the mail in 60 days. This is my primary checking account and I have more than $ XXXX on deposit in this account. I need access to these funds to pay for taxes due XX/XX/XXXX, as well as other regular bills ( mortgage, credit cards, etc. ). Not having access to these funds for 60 days will cause significant financial harm. When I asked if there was a way to expedite the account closure and check issuance, the customer service representatives said that there was nothing they could do to assist me and that they couldn't provide any more information, then they immediately ended the call.

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 2022-03-28 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: ND

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-28 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: ND

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: KS

Complaint narrative:
In XXXX Discover Card called me about an overdue balance to a card I never applied for. The account was closed, I talked to the fraud department, and was then informed that the statements were being emailed to XXXX XXXX XXXX XXXX. I told the fraud department I would get back with them so I could look into this matter. She admitted that she had applied for the Discover Card in my name but without my knowledge. I called the fraud department back and told them at that time I did not want to charge her with fraud due to her being XXXX XXXX XXXX XXXX. The balance was {$6000.00}.? and I paid around {$4000.00} to make the balance to be {$2400.00}. Thinking the account was closed, I set up payment arrangements to pay on the remaining {$2400.00}, not realizing that the statements were still being emailed to XXXX XXXX XXXX XXXX. I received another call from Discover Card several months later stating I owe them around {$10000.00} now. Discover Card re-instated the card, without my knowledge, allowing her to keep committing fraud against me. I have been paying on this account for XXXX  years now, and arguing with Discover Card about this fraudulent activity and their mistake of re-instating this card without my knowledge. A letter was sent from my lawyer to Discover Card and still have not heard back from company regarding this letter. My lawyer said I should contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: IL

Complaint narrative:
I have written to Equifax numerous times since XX/XX/2021 that someone fraudulently applied for a credit card in my name through XXXX. Equifax always validated the debt, which resulted me conducting my own investigating. I was desperate, because I was in the process of buying a home, but the underwriters stated I had to resolved my issue with Equifax. I contacted XXXX and they stated they contacted Equifax and followed up with a letter. I sent that letter from XXXX to Equifax. I sent a letter to XXXX rebuking them on their process and they sent another stating they are unable to find evidence that the trade line display with Equifax. After receiving this letter, the first thing I did was go to XXXXXXXX XXXX XXXX  to try to pull my Equifax Credit report again. Although I was able to use this website to do this before, when I try to pull it for Equifax, it tells me it cant confirm my identity. So I am not able to get the free credit report that I am entitled to by federal regulation, and which I absolutely need to access as apparently Equifax is going to send me letters that lie and say that information has been validated, so I need to check this almost on a monthly basis to make sure that Equifax is not incorrectly adding things to my credit report. Next I went to the Equifax site to try to get a credit report. Apparently there is no way to do this without paying $ XXXX. I already had an account but forgot my password, and the code for forgetting your password is broken so it creates and infinite loop where it just keeps asking for your social security number ad infinitum. I went through XXXX XXXX to retrieve my Equifax Report. I can conclude that Equifax took my letters as frivolous and did not take my complaint serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I had credit with Syncb /Ashley . I had this card paid off as I was paying they were losing my credit limit. Now I was not using the card I had no plans to use this card. I didn't want to close the card because I know closing cards lower your credit rating. This co. Closed the card.Then I received notice it was closed. This has caused my score to drop. This co was full aware this would happen. They are by far the worse co. I have ever seen. This is very unfair I have worked on my credit a long time trying my best. What can be done?? 
Thank you 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 2022-03-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation