vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Those collection accounts where not mine this is unauthorised transactions i keep asking from them this information. why they haven't sent it to me yet? i've search the name of this collection agency and there not even registered to XXXX. and just incase as well you will be looking for a copy of my SS card i lost it so i attached my passport for additional proof

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 2023-06-29 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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: Radius Global Solutions LLC
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023 a check in the amount of {$9000.00} was counter deposited to our business checking account with bank of America. Check issuer is XXXX XXXX and the check number was XXXX. At the time the issuer bank suspected the signature and did not clear the funds and the check was returned. The account owner confronted his bank and the apologized and XXXX XXXX issued another check for the same amount which I deposited through bank of America on line banking. A few days later I noticed that my access to my on line banking was restricted and could not see my account or make transactions. After calling Bank of America and going from one department to the other which without exaggeration took XXXX minutes they said the check deposited was a counterfeit ( which was not ). I kept asking if the check was counterfeit the issuing bank would not have cleared the funds but they kept on saying it is being investigated. Another call to them later revealed that they are in the process of closing my business account! and other than the bogus claim of deposited counterfeit check they did not give me any other explanation. When I aske d for my fund in the account they said after the account closing is finalized they will send me a cashier check and now about a month after the awful disaster which put my company 's reputation in question I received a letter saying my account has been closed and the funds before the {$9000.00} deposit is being send to me but the remainder is frozen pending investigation!!! The issuing bank is baffled since they had no problem with the check and released the funds. The check issuer is going crazy since he is out of {$9000.00} and neither him nor us have the funds and Bank of America is none responsive as to when they will release the funds they are XXXX ; XXXX illegally. I still have no clue why they claim the check was counterfeit sinkcethe issuing bank never claimed it to be and released the funds to Bank Of America,

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 2023-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
My loans were discharged through the XXXX program. The loans were transferred to MOHELA because they became the servicer of all XXXX loans in XXXX. 

My loan was discharged under XXXX with XXXX payments as of XX/XX/XXXX. I was notified of the discharge on XX/XX/XXXX. I made 23 payments after XX/XX/XXXX. I have not been refunded these payments. I made these payments to XXXX XXXX XXXX XXXX but these consolidated loans were transferred to Mohela as the new servicer and they claim because I never made any payments to them, they have nothing to refund. I talked to the ombuds who sent me to XXXX. I complained twice to them with this specifc information and they just said " your loans have been discharged '' I paid 23 payments of approximately {$10000.00} over the XXXX required by the law and am owed a refund that has been lost by the servicer ( MOHELA ) not acknowledged by the prior servicers ( XXXX XXXX XXXX XXXX ) and is being ignored by the federal agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-06-29 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: NY

Complaint narrative:
there are fraudulent addresses on my credit report. i tried to fix with the credit bureaus and they are refusing to remove them. my only and unique address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX i have been living there for over 5 years. any other addresses with different apartment number or without apartment number on my credit report is fraud. and i want addresses other than the one i provided to be remove immediately

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 2023-06-29 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: NY

Complaint narrative:
there are fraudulent addresses on my credit report. i tried to fix with the credit bureaus and they are refusing to remove them. my only and unique address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX i have been living there for over 5 years. any other addresses with different apartment number or without apartment number on my credit report is fraud. and i want addresses other than the one i provided to be remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX was XX/XX/XXXX, but o response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which sates that continued reports of the unverified information without any proof provided, within the time allowed by laws, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: NM

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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: NJ

Complaint narrative:
My mother, who XXXX XXXX, had an account at Key Bank. 
I am the executor of her estate. 
For the last almost XXXX months I have been requesting records of her account for the years XXXX XXXX XXXX along with any XXXX tax forms. 
Every attempt has met with resistance, stalling, stonewalling, or outright refusal to allow me the documents. 
I have went certified mail letters to their CEO and general counsel, which resulted in a reply which was another obvious stalling form letter from someone with no last name, saying that they have been trying to contact me ( garbage ). Several calls to the number in the stalling letter resulted only the ability to leave a message. There have been no replies to the messages. 
The executor, after having duly qualified, essentially stands in the shoes of the depositor in terms of what he or she may request of the bank. Thus, just as the decedent, during his or her lifetime, could have requested statements and the like from the past, so may the executor. All dates are shown on the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
My family and I were affected by hurricane Ian last XXXX 2022. During the aftermath cleanup I severely XXXX XXXX XXXX causing a XXXX XXXX. This lead to me having financial issues and fall behind on some payments because I was put on working restrictions by my doctor and could not make my normal amount of income. I work a physically demanding job as an XXXXXXXX XXXX  which has me bending, twisting and lifting over XXXX pounds every day so I was severely restricted on the jobs I could do at work and not making almost any money. Prior to me being affected by this natural disaster my payments were all made on time and I find it unfair that there was no resolution or option for me at the time when I called and now my credit is being severely affected due to the late payment status.

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 2023-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have been a long time customer with the Express credit card ( my card states since XXXX, but i believe it was earlier than that. ) I have worked very hard to build up my credit limit with them. I paid my balance off in FULL on XX/XX/XXXX, but then on XX/XX/XXXX they decided to post {$2.00} of interest on my account. Around this same, i was dealing with my XXXX 's credit card ( which is the same credit card company COMENITY ) because i was having issues with that account because it was hacked. I was having a really hard time dealing with them and trying to get my XXXX account corrected i was not aware that they were also screwing me over with my Express card. It took me months to finally get my XXXX ( Comenity ) credit card situation resolved. Even though i didnt feel like i should pay the additional late fees and interest on the Express card, as soon as i was aware about my Express card balance ( it was at {$36.00} at this point ), i paid it in full on XX/XX/XXXX because i didnt want it to effect my credit score and credit limit that i had worked so hard to increase up to about {$4000.00}. I was in the Express store on XX/XX/XXXX, and i was made aware that my credit limit had been dropped to {$200.00}! Dealing with Comenity has been such a disappointment, and it is very frustrating that after being a long time customer i have had such a terrible experience with them these past 7 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
How long does it take Wells Fargo, to actually compensate us? We have proven complaint after complaint, along with all the documentation along with the complaints? They keep telling us they have been sent to another division of Wells Fargos criminal enterprise, that decides how much to compensate us. XXXX  years of defrauding and theft all we asked for is XXXX XXXX! They avoided prosecution, if they just compensate consumers like us! How long does it take for Wels Fargo to actually accept their illegal wrongdoings and again compensate us for XXXX  years of theft and fraudulent actions and activities?

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 2023-06-29 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: Thaxton Investment Corporation
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I set up forbearance with XXXX and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from XXXX ). However, XXXX reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to XXXX XXXX XXXX department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of DISADVANTAGED ( person of XXXX from low income area ) customer right after Biden lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders.

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 2023-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
How long does it take Wells Fargo, to actually compensate us? We have proven complaint after complaint, along with all the documentation along with the complaints? They keep telling us they have been sent to another division of Wells Fargos criminal enterprise, that decides how much to compensate us. XXXX  years of defrauding and theft all we asked for is XXXX XXXX! They avoided prosecution, if they just compensate consumers like us! 
How long does it take for Wels Fargo to actually accept their illegal wrongdoings and again compensate us for 20 years of theft and fraudulent actions and activities?

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 2023-06-29 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: NM

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.

The letters are stated with items and issues.

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 2023-06-29 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:
PLEASE DELETE THE ACCOUNTS ATTATCH TO THE DOCUMENTS ABOVE AND I'LL REALLY APPRECIETED THE ASAP RESPONSE TO MY REUEST AND IT'S NOT MINE.

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