vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
At approximately XXXX CT on XX/XX/2022, I received a call from phone number XXXX and said her name was XXXX and that her son was on an XXXX and it has my phone number so she requested a passcode that had been sent to my phone number so she could have my number changed to her phone number. I was in a meeting when I answered the phone so ( being a dummy ) I gave her the one-time passcode of XXXX, that I had received on my personal cell phone. After the meeting I read the whole text and it stated ; " Your One-Time Passcode is XXXX. We will not call you and ask for this code. Call XXXX  at XXXX if you did not request a passcode. '' I called the XXXX number and talked to XXXX and she said she was from the First National Bank of Omaha from the fraudulent department call center. I told her what happened and she said someone probably wanted to open an account in my name. I gave her my name and she said she couldn't find an account, I told her that's because I don't have one and it sounds like no one tried to open one up. She then asked for my social security number and I told her I don't give that out. She was very nice and said that was the only other way to check if I had an account. I asked her if she could check by phone numbers and she said no. I told I'd need to call the police and see where I go from here. I called the police and they recommended going to the FTC.gov. When I went to that website it sent me here to the CFPB. As a side note, I tried calling back the first number from 'XXXX XXXX and no one answered and I was unable to leave a message.

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XXXX dba Shellpoint Mortgage Servicing recently acquired my mortgage by Assignment of Mortgage Recorded in NXXXX Public Register Office on XX/XX/2021. Upon trying to call them several times they have advised that they do not have my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following inquiries have been listed on my report inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine , nor are they associated with any open accounts. The number of inaccurate inquiries is affecting my report heavily and they need to be removed 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 explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Lexis Nexis did in fact report three incorrect accounts to the following companies : Data Verify, Net Credit, and XXXX XXXX XXXX XXXX XXXX. Please note that the list of companies is not complete, as it is impossible for me to know to all of the companies that received this false information from Nexis Lexis which was to deny my credit applications. Due to the lack of due diligence by Lexis Nexis, I have been put through undue mental and financial duress. Please see XXXX attached proof of such below labeled " Proof of Denial '' from when I was attempting to get a vehicle. 

Upon my recent attempt to purchase home, the process was halted when XXXX Judgments were reported to me by a potential lender ( see attached labeled " JUDGEMENTS '' ). My potential lender informed me that the information was sourced from a company called XXXX XXXX. XXXX XXXX XXXX of XXXX XXXX, informed me that their information is sourced from Lexis Nexis. XXXX XXXX , of XXXX XXXX, also informed me that the information they receive is not " official '' and must verified before assumed to be accurate before it can be used as a basis to issue credit. 

I have attempted to reach out to Lexis Nexis to dispute this matter, but they have not responded. 

The following are disputes of Judgements that are falsely listed on my Nexis Lexis report and causes me Undue Financial & Mental duress. 

University XXXX XXXX # XXXX This account was resolved and removed in XXXX due to my XXXX veteran 's status, though Lexis Nexis claims that this account is in judgment status. I recently reached out to the University, and they supplied me a letter for evidence of this account being satisfied. ( See Attached Letter ) TD BANK> # XXXX This account belonged to my father, to whom we have the same name. He also passed away in XXXX of XXXX. Also, the case was dismissed XX/XX/XXXX ; which is well before Lexis Nexis listed this account as a judgement. ( See Attached Court Dismissal ) XXXX XXXX XXXX XXXX XXXX There is no evidence of this judgment and the Law Firm representing XXXX XXXX told me that they are not pursuing a Judgement. Also, XXXX XXXX also told me that they have no account, in my name, that is in judgment status. Please, send me a copy of the data that you used to verify that I have an actual judgement or remove this false information Without my knowledge or permission, Lexis Nexis has furnished in accurate information that has caused me Undue MentalXXXX  and Financial Duress. Lexis Nexis has added to life as a currently 100 % XXXX veteran. 

I have attached a copy of my military ID and also a copy of my social security card for identification verification. This is the only forms of identification that I have because I do not drive due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On the morning of XX/XX/XXXX, I, XXXX XXXX was notified of a situation where my domestic partner XXXX XXXX had opened a new personal account checking and savings with Navy Federal Credit Union on XX/XX/XXXX, and over night Navy FederaXXXX XXXX had taken {$2000.00} of her opening checking deposit which was {$2200.00} ( a XXXX Payment from her Employer for her 30 day pay period the month of XXXX. ) as repayment for my navy federal credit card visa cash rewards card # XXXX which was discharged as bad debt many years ago due to non payment. The situation was very strange as I was not added as any type of joint user on the new checking and savings acounts she opened XX/XX/XXXX. And this credit card debt which was discharged in XXXX or XXXX I believe, did not belong to her. All collections would tell me is " Shes not getting her money back. '' She was very upset as she had immediately processed our rent payment of {$2000.00} by echeck to XXXX XXXX XXXX with the XXXX payment from her boss. After she spent all day begging collections to give her her payroll money back so our rent could clear, she was told XXXX from new member services would review the new member account opening recording and decide if this was a bank error and she would get her money back. After reviewing the recording XXXX decided it was a bank error and XXXX XXXX was due her money back. But then XXXX told XXXX the returning of her initial deposit money back was conditioned upon me XXXX XXXX calling Collections supervisor XXXX id # XXXX for some reason and they would not say why. When we tried repeatedly to reach XXXX, and were unsuccessful we were put in contact with XXXX XXXX in collections who told me that in order for XXXX XXXX to receive her initial deposit money back, I had to agree to a payment arrangment of at least {$300.00} a month with initial payment starting in the month of XXXX to repay the discharged debt related to the visa acct # XXXX. Because XXXX payroll check and our rent echeck were being held hostage I was forced to agree although I can not afford that high of a payment to them. When I asked how me starting to pay on this discharged debt again will effect my credit, XXXX XXXX said it may appear negatively again if I default, but she could not say if anything positive would happen or how it would be reported since the debt was already discharged many years ago. I would like some help understanding how what happened today effects my credit going forward and how navy federal XXXX is allowed to use a new members opening deposit to twist my arm to make an arrangement with them on a credit card debt from many years ago I can not afford to pay at this time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
On XXXX I made a payment to the mortgage company. I called on XXXX at the advice of my loan originator, I was then told by a call center rep that my bank account information was incorrect and I had an NSF fee. I gave the representative the correct account number and made the payment of XXXX over the phone. The rep stated that she would update my account with the correct account number. On XX/XX/30 I made a payment of 1300 towards my mortgage. On XXXX I called and was told they had a high call volume and that payments were going to post on XXXX. On XXXX I called and spoke to a representative who stated that the account information is again incorrect and that another NSF fee was attached to the account. She stated that the previous rep had the incorrect account saved, which is wrong because my mortgage payment for XXXX was drafted from my account. I was then told I had to make my payment of XXXX. When I requested to speak to a supervisor I was denied, even though the agent was talking to a supervisor through chat no one was available to talk. The agent also refused to take payment over the phone and directed me back to the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Nelnet, Inc.
State: MD

Complaint narrative:
I am distressed that you have included DEPTEDNELNET information in my credit profile on XX/XX/2013 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX I was victim of a scam. The late evening of XX/XX/2021 I sent {$550.00} to a breeder in exchange of a kitten. The following morning they requested another {$1100.00} to send the kitten that was never mentioned. I called the bank and claimed this transaction as scam/fraud in less then 12 hours of the initial transaction and while the transaction in my account stated pending until 2 days later. 
I have all the emails and name of the receiver scam. I made a police claim right away too which advised to forward to claim to consumer finance services for help if the back would decline to return my money. My claim number with the bank is XXXX. The claim was denied. 
I am turning to you for help because I am a single mother ripped off of my money in hopes to surprise my child for XXXX. 
Please help me.

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 2022-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
The have had an incorrect Deed - and have been sending me correspondence for 6 years with my Ex Wifes name on it even though she is no longer on the deed or mortgage. Ice send numerous emails over the past few years. Hours upon hours of my time over numerous occasions.. I have emails to support this - no one ever helped Id speak to someone and then nothing would change.. I called again and again and again - 6 years. 
We got a forbearance and Im XXXX were sent documents for a partial claim to resume our mortgage payments. The ex wifes name still on there - I called at least five times since then to fix this - being promised every time it would get resolved. I always call back because I never hear back from them. They didnt fix the problem in time for the partial claim window and now Ive received foreclosure papers for the end of the month. I dont know what else to do. They dont seem to be able to fix the problem and Ive had multiple people not know how to read a deed including supervisors. Please help

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 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a bank account at US Bank on XX/XX/2021 based on a promotion offered me in the mail to earn {$300.00} if I kept {$3000.00} in that account within 30 days of opening the account. I deposited the funds in my account on XX/XX/2021. I also had to enroll in their mobile app within 60 days of the account opening. I downloaded the app on XX/XX/2021. Despite meeting all the requirements of the promotional offer, I have not been given the {$300.00} in my checking account. I have reached out to the representative who opened my account, but he has no answer for me.

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 2022-01-04 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: Nelnet, Inc.
State: MD

Complaint narrative:
I am XXXX that you have included DEPTEDNELNET information in my credit profile on XX/XX/2013 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: AR

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I FILED A DISPUTE IN THE REGARD OF TO THE INCORRECT ITEMS ON MY CREDIT REPORT AND THE INVESTIGATION TOOK WELL OVER 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I FILED A DISPUTE IN THE REGARD OF TO THE INCORRECT ITEMS ON MY CREDIT REPORT AND THE INVESTIGATION TOOK WELL OVER 30 DAYS.

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 2022-01-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting a XXXX account as charged-off on my credit report. This account is no longer debt. XXXX has issued a 1099c for the debt and I filed the debt as earned income. Experian should not be reporting EARNED INCOME. Due to the change in account status this information is now obsolete, false and inaccurate. Please DELETE this account immediately. Attached to this complaint is a letter from XXXX verifying that they've issued a 1099c for this account. 

I AM NOT A CREDIT REPAIR COMPANY

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