vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the report of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer reports they are in VIOLATION! Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I went to Bank of America to request a credit card to star building my credit here in USA. For that they asked me for {$300.00} dollars as a deposit to have my credit card, I made the deposit, and I got my card. I was promised to have a credit line increase to {$1000.00} and my {$300.00} back after been using the card and getting my credit score better, but this never happened. Last XXXX XXXX I made a payment to the card of {$150.00} dollars then, I checked my available balance to spend in the card, but the balance was not reflected in the card, so I called to the banck and they just told me that my card was cancelled. They never notified me, not called me, not emailed me, nothing. 
Now they are asking me to pay the balance in the card, but they shut give me my {$300.00} dollars back I think.

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 2023-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I called Navient student loans on XX/XX/2023 because they were charging me late fees and none of my payments were late. The total balance was XXXX $ and I have XXXX children and bills and couldn't make such large payments with high interest rates. They said they can enroll me into a program that would help lower my payments, I asked customer service if these payments would go toward the principal balance? and they said yes. I signed up to pay XXXX $ a month a total of XXXX $ within the last six months was paid to them and when I looked at my balance it kept increasing. My account balance went from XXXX $ to XXXX $ I am reporting them for lying about what I had to pay and requesting they leave me and my elderly grandfather alone. My grandfather is a U.S. military veteran suffering from XXXX they have called him harassing him in the past asking for payments and it makes him so stressed and confused that he ends up paying them telephonically and I never saw the difference reflect in my account. I have told them to remove his number and only call me. Navient has put a tremendous amount of stress on me and my grandpa.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
Company : Harvard Collection Services Address : XXXX XXXX XXXX XXXX, Illinois XXXX This collection agency has previously submitted a fraudulent debt under my name in XX/XX/XXXX. I disputed this debt with all 3 credit agencies and added a complaint on the XXXX XXXX XXXX sites as I do not owe or own the account in question. This debt was eventually removed from my credit report. 
This collection agency has again submitted the same fraudulent debt again in XX/XX/XXXX to my credit again. From my other consumer complaints listed on the XXXX XXXX XXXX website, this collection agency had repeated these fraudulent actions against other consumers using the same debtor and tatics. I will continue to dispute this collection and the fraudulent collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Good morning. As per prior messages to your team, XXXX XXXX is in contempt of automatic orders for failing to continue making mortgage payments, transferring marital and mortgage funds from his XXXX  account to a partner in XXXX, and using the mortgage funds to pay his attorney ( XXXX XXXX ), after commencement of index XXXX, in XXXX  court . Both have committed perjury in court by making misstatements about XXXX XXXX financial condition on the XXXX, and for refusing to respond to a divorce settlement offer and a buy out offer of the home ( XXXX XXXX XXXX, XXXX, MA ), since 2017 in court. Index number is XXXX, in XXXX  court . 
We received the attached letter with unexpected fees and a threat to foreclose on the home in XXXX, by Nationstar. I am requesting legal representation. 
We have paid another {$5000.00} to Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX And he is not able to help to stop the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been a Loyal Credit Card holder with Kohl's/Capital One since XXXX with an Excellent payment history until XX/XX/XXXX. I had received a call from a Kohl 's Customer Service Rep about my monthly payment being 30 days past due. I was unaware of the payment because I do not use the card often. I did pay the full balance, {$50.00}, which brought the account to a XXXX balance and had the late fee removed by the Rep which I kindly appreciated. The Rep told me that Kohl 's had reported to all the 3 Major Credit Bureaus, XXXX, XXXX and XXXX about the 30-day late payment, I was unhappy to hear that news. I take pride in maintaining a positive credit history by making my payments on time when they are due, and this was why I had an Excellent payment history with all my financial obligation until this unfortunate incident. I did not have Autopay setup at the time of the late payment, but it was setup on XX/XX/XXXX to avoid this every happening again. I mailed a letter to Kohl 's Collection Department on XX/XX/XXXX kindly requesting a Goodwill Adjustment of the 30-day late payment that was reported to the 3 Major Credit Bureaus XXXX They responded on XX/XX/XXXX with a letter of denial. They stated that the information that was reported was accurate and updating the information as I had requested will create an inaccurate representation of the status on my account. The integrity of the credit reporting systems relies on the validity of the information furnished. At no time did I state that the information that was reported was inaccurate. I stated in the letter to Kohl 's that it was an oversight on my part taking ownership. The 30-day late payment that has been reported has decreased my credit score to at-least XXXX points on all 3 Major Credit Bureaus and to be punished for this one-time mistake has been detrimental to my credit status. I am requesting that XXXX XXXX reconsider their decision as a Goodwill Gesture for a Loyal Credit Card Holder since XXXX will an Excellent payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
I have asked repeatedly for them to stop calling me. They call sometimes minutes before XXXX even after I've asked them not to contact me after XXXX. One women said simply we will continue to call. After asking her to cease and desist all communication, Indicating they are aware they are harassing me and plan to continue to do so. The debt is XXXX years old and I don't even agree I owe it. They call almost every morning or every night.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: DC

Complaint narrative:
I do not have an agreement with any company and do not own this account. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. This company has No permission to report anything using my information to pursuant 15 USC 1681 4. I am asking for this to be deleted from my credit report. 

XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need you to attend the following shown items in this letter which cintains data taken directly from my credit report which you have provided. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX TX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Delete these unconfirmed inquiry lacking certifiable evidence unless physically certfied verifiable proof is demonstrated per U.S. CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have fulfilled my request, mail me an uodated credit reporting reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
On XXXX2023, I applied with my personal bank for auto financing. When approved, I contacted the dealership that I wished to purchase from and affirmed with them that they had received the financing package from my bank, and that I could come down and purchase a car. 

Once I chose the vehicle, an unknown financing agent in the auto dealership, continued without my authorization, to pull various credit reports, with unknown and unapplied to lenders. At the dealership, I informed the finance manager, that the inquiries were unauthorized and should be removed from my credit report immediately. 

Furthermore, I have a FULL FRAUD ALERT/CREDIT FREEZE on my credit files at all 3 credit reporting agencies, and it requires them to contact me to verify if a credit application has been sent to them. None of the companies that were not authorized to receive my credit, followed the proper procedure, and this is a violation of my rights under the FCRA, when a credit freeze is applied. Furthermore the companies in violation, have made no attempt to correctly follow the verification process for my credit file. 

On XX/XX//2023 at XXXX, PST, I contacted the credit reporting agency responsible for allowing my credit report to be given to unauthorized parties, but again, this CRA XXXX Experian, stonewalled with an automated system for 30 minutes, then hung up the call when I reached the consumer affairs department to speak with XXXX XXXX and then XXXX XXXX who hung up the call ). This type of behavior, is again a violation of my rights under the FCRA, and if continued, I will engage, once more, in aggressive litigation against all parties who were involved in this egregious violation of my personal credit information, which also caused a loss in credit score, which is a damage/recoverable offense, in litigation, on my behalf. 

If these companies do not comply with immediately removing their inquiries from my credit report, and refrain from any future unauthorized credit access to my information, I stress again, that I will file aggressive and financially punitive litigation against the offending parties.

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 2023-08-07 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 did not initiate these inquiries, and I believe they are fraudulent.

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 2023-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I submitted a request to transfer {$16000.00} on XX/XX/2023 from my XXXX by Goldman Sachs high yield savings account and the transfer was rejected. I currently live in Florida and am in the process of closing my old checking account ( XXXX XXXX ) and opening a new checking account ( XXXX ) so that I have access to a brick and mortar physical bank. I funded my XXXX XXXX with a majority of funds from XXXX XXXX and some from my new XXXX checking, so both are linked accounts. I requested a transfer to XXXXXXXX XXXX  and XXXX said my new XXXX checking account had not been linked long enough and they rejected the transfer. I am in the process of closing on a real estate transaction and will now miss my closing date. XXXX will only allow me to transfer to my old XXXX checking account that I am in the process of closing. Had I already closed my XXXX checking, then I would have zero access to any of my money in the XXXX XXXX until a certain amount of time has gone by ( 3 months is that I was told by one rep ). How can a bank not allow me to access my own hard earned money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: IL

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2023-08-07 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I requested a line of credit from Synchrony Networks to maintain my score or it will increase. A self-payment through the company 's application was scheduled for the XXXX, which was the payment deadline. I had not seen that the company takes 2 to 3 business days to complete the payment, as soon as I noticed I updated the self-payment date for the XXXX of each month, in the same way I made a payment for {$90.00} on XX/XX/2023 for the application. Similarly, on XX/XX/2023, another {$90.00} of self-payment was collected. Despite not entering into late payments, the company reported information to XXXX that left me XXXX XXXX. Filed a dispute with XXXX which resolved that Synchrony Networks should send updated information. At the moment my score with XXXX has only gone up XXXX XXXX Likewise, on XX/XX/XXXX, another payment for {$60.00} was made, which was reflected 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 2023-08-07 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of identity theft, and I absolutely have no knowledge of [ this/these ] inquirie ( XXXX ). I request that you remove the fraudulent inquirie ( XXXX ) immediately! Please send me an updated and accurate statement, and REMOVE ALL REMAINING INQUIRIES. Please and thank you I was incarcerated since XXXX ( year XXXX ) up until XX/XX/XXXX Ive never applied for credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
The account was paid and I was informed that the account would be removed from my credit reports. 

Please remove the account my credit reports please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
When I make additional payment on top of the normal payment I request that the additional payment is to be applied to principle balance but they do not. They put the additional payment towards future monthly payment not due yet so that they continue to charge interest on a incorrect balance.

Company response to consumer: Closed with explanation