vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America makes it very difficult to manage autopay and scheduled payment. Recently, they said I missed a payment. I never miss a payment unless the payment due date was not provided to me. Bank of America also did not send me statements or make the information of autopay available to 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 monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Balance is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my Equifax credit report on the XXXX XXXX platform as well as the XXXX three bureau report and there is an account from XXXX XXXX XXXXXXXX that is not mine and showing on my report. However, when I review my report on the Equifax website, the account in question is not there. I have attached copies of the report from XXXX XXXX and XXXX for review as well as a full Equifax issued credit report. I am concerned that these other credit report platforms are including this erroneous information in their reports. Where are they getting this information from?? Is it possible there is a split file and this account is erroneously being reported? 

The account details are : XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE UPDATED : XX/XX/XXXX CREDIT LIMIT : XXXX HIGH BALANCE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
KOHLS/CAPITAL ONE, XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX aka Kohls Credtit Services website failed to process the payment setup, led to a XXXX day delay of a payment of {$130.00}. Kohls failed to notify through a letter/phone. Account is paid in full since XXXX XXXX as soon as I noticed that Kohls Credit Website has failed to process the payment. The Late payment is Kohls Website issue and still Kohls has disagreed to remove negative information from my credit report and hurting my credit. 
Kohls should remove the negative information asap for me as well for any other customers who faced similar website payment processing issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Since XXXX XXXX I have been calling and requesting removal of escrow from my account that I can not afford to pay the mortgage with the escrow attached. I would get automated responses from the company so then I called, every time I would call the Insurance section would refuse to talk to me. The would only relay thru customer service personnel a different requirement every time I would call. 

All of the documents had been submitted to the previous company but apparently I had to start over. On the XXXX of XXXX I sent the first series of documents while having to ask for assistance from charitable agencies to pay the mortgage payments. I received support and it was sent mid to late XXXX for XXXX and XXXX as the Company ( Freedom Mtg ) keep making excuses as to why they would not release the escrow and change my mortgage requirement. 

On XXXX XXXX after XXXX days and over XXXX different messages requesting release of my escrow they claim that I needed more insurance. The very insurance that I provided in the document dated XXXX XXXX with attached certifications of payment of XXXXXXXX XXXX and XXXX exemptions due to my being a XXXX Veteran. 

At no time would the insurance/decision making people at Freedom Mortgage talk to me work with me or otherwise allow me to make any changes or updates they would only talk to customer service/escalation personnel who appear to be the same people... I believe beyond a reasonable doubt that they are trying to make me default on my loan and take the house because this is how I am left to feel.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 inaccura
te.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
XXXX XXXX is reporting on my credit reports that I have not paid this company near {$700.00} as they've sold the debt to a " law firm '' LLoyd and Mcdaniel. I have made payments to XXXXLoyd and Mcdaniel after receiving a threatening letter in the mail as they are referencing XXXX XXXX. I have complied to this company to resolve the debt after being threatened of legal action making payments of XXXX every month. XXXX XXXX has reported that I am still owing XXXX to them, which is false. I have tried resolving the matter with the credit bureaus without any success. XXXX XXXXXXXX is now emailing me to sign some form which I have not after the unlawful tactics they've pulled. I am requesting that they update my balance to the correct amount along with my credit reports. If they are willing to settle for a lesser amount I will negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX I had discovered I had identity theft on my checking-saving accounts.The total amount was XXXX same day I notified Wells Fargo claims XXXX XXXX XXXXThe claims XXXX advised me to close XXXX Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about C.C. XXXX told it would be fine. XXXX fraud on my C.C. Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority.I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my XXXX  removed I was told that it couldnt be by XXXX and XXXX but they could secure XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request XXXX want proof how am I suppose to provide proof when info was stolen... XXXX is not secure as the world is finding out. XXXX sent me an application for a mediator I received a call on XX/XX/year>. Telling me they are not able to help me wrong department. Why send me an application? Giving me the runaround. I have contacted the FTC, CFPB, XXXX, XXXX, FBI, and local media. As of XXXX funds are not recovered.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings
State: IL

Complaint narrative:
I do not owe any past fees or debts to the company of IQ DATA INTERNATIONAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am unable to get a credit report and credit score from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Dates : XX/XX/year> Amounts : {$1200.00} Actions that were taken by you or the company : I called and spoke to bank of America representative. I was told the the bank has the Right of Offset to take from my Personal Checking Account to cover Business Credit Card Debt.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AppFolio, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I received a FCRA Adverse Action Letter for denial of a rental unit I was applying for. Along with the rental 's management company, I was denied due to past negative rental history, which is false. 
I am out another {$50.00} application fee for rental and my housing rights are being harmed! I can not get rentals and or purchases now. I owe nothing to a prior landlord, I received XXXX funding ( XXXX XXXX ) and have bank and payment portal receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See attachment. I want my personal information updated on my credit report. The attached letter will outline my 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 non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See attachment. I want my personal information updated on my credit report. The attached letter will outline my 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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reviewed EVERY Experian credit report since XXXX and I found a lot of inconsistencies worth noting. Experian has not adhered to the standards of fair credit reporting in that they kept listing accounts as Past Due when they were included in the Bankruptcy XX/XX/XXXX Discharge, they increased and decreased my credit score randomly over the past 4 years and most recently they decreased my score by XXXX points with NO CHANGE IN MY CREDIT ACCOUNTS, they just changed my " Good '' payment history to " Fair '' with no change in any of my credit accounts and my credit score is XXXX points LOWER than XXXX ( XXXX ) and XXXX ( XXXX ) even though they are all using the exact same data. I filed for bankruptcy in XX/XX/XXXX -- which was almost XXXX YEARS ago. Since that time I had had no late payments, no over use of credit but Experian refuses to increase my score to reflect my good credit management over these past XXXX years. This is fraudulent and unfair.

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 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX my identity have been stolen from me 4 times. I have an account with Bank of America I noticed charges that I didnt recognize so i immediately contacted my bank and filed a dispute I lost my apartment on XX/XX/XXXX so I would call the claim department to make sure if they needed any documents to support my claim. Now its almost more than 2 months they decided to close my account. Although any claim that I had was absolutely true. 
Unfortunately Bank of America put me through so much pain and suffer that I dont know how to explain.they put my account on restriction although I have not done anything wrong I cant access any of my funds anytime I call them they tell me the account will be closed on XX/XX/XXXX then XX/XX/XXXX. I had a small amount of cash on me so I was able to at least eat. Now Im at the point that I didnt have any money on me I couldnt even get a room I ended up sleeping in my car and I was almost about to XXXX XXXX XXXX XXXX. My cellphone is going to be disconnected because Bank of America doesnt let my phone carrier to withdraw money. My all stuff are in storage and they cant access any payment but it is interesting that they accept my direct deposit. Last time I called them I talked to supervisor and I told her Im breaking what you guys are doing to me is not legal its has been 3 days I havent even been able to eat. I was told they will close my account by XX/XX/XXXXXXXX XXXX XXXX which they havent. XXXX begging you guys please help me out cause they cant treat people like this. Im an alone girl and have no one here I dont know what to do Im so burned out I really need 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 monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was going over my credit report and seen some unauthorized hard inquiries on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I updated my address, phone and email with all 3 credit bureaus back in XX/XX/year> over the phone with each bureaus customer representative. I requested to have all 3 reports sent via postal mail. I only received XXXX and never received Trans Union or XXXX. I have online accounts with all 3 bureaus and checked to see if the info was updated. The info I gave them in XXXX was updated initially and then somehow changed without my knowledge. My address reverted back to an old address and also listed are random addresses Ive had over the years. This is not the 1st time this has happened. This is constantly happening and it seems to be with Trans union and XXXX the most. I can never get the info I need mailed to me, the info gets altered and not by me and the information becomes very confusing for no reason. This has also happened in my student loan online account and a few bank accounts. I do not know how or why certain addresses are being changed without my knowledge. This has caused me to not be able to keep track of my credit and prevents me from getting any type of credit for anything because the information will not match up. I have had my address changed without my knowledge to places I never lived but walked into like post offices or walked passed like random addresses in whatever area I was in. This is making me feel like I am being XXXX which I have been a victim of in the past. I am not sure how the info is being changed or when it happens because I find out weeks or months later. I have asked when and how the changes happened and none of them have any answers.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I updated my address, phone and email with all 3 credit bureaus back in XX/XX/2024 over the phone with each bureaus customer representative. I requested to have all 3 reports sent via postal mail. I only received XXXX and never received XXXX XXXX or XXXX. I have online accounts with all 3 bureaus and checked to see if the info was updated. The info I gave them in XXXX was updated initially and then somehow changed without my knowledge. My address reverted back to an old address and also listed are random addresses Ive had over the years. This is not the 1st time this has happened. This is constantly happening and it seems to be with XXXX XXXX and XXXX the most. I can never get the info I need mailed to me, the info gets altered and not by me and the information becomes very confusing for no reason. This has also happened in my student loan online account and a few bank accounts. I do not know how or why certain addresses are being changed without my knowledge. This has caused me to not be able to keep track of my credit and prevents me from getting any type of credit for anything because the information will not match up. I have had my address changed without my knowledge to places I never lived but walked into like post offices or walked passed like random addresses in whatever area I was in. This is making me feel like I am being stalked which I have been a victim of in the past. I am not sure how the info is being changed or when it happens because I find out weeks or months later. I have asked when and how the changes happened and none of them have any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

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 use 1681. 

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 XXXXXXXX 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 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years. 

15 USC 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 some reasonable cost to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief