vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Ive always had trouble getting things in my name, never understood why. 
Im just now learning how this credit stuff work so as I logged in my experian account I see a closed navy federal account for {$21000.00} on my report. I dont own or bank with navy federal at all.

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 2023-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2023 ( the most pertinent among other calls ) Spoke to a representative of EnerbankUSA concerning problems trying to pay loan for an air conditioning unit. I can not get any accurate information on 1. If a payment has been received.

2. How much principal is left on the loan 3. Missing payments.

I can not get any of this information online with my account, on the phone with a representative, or from the statements sent. 
I also got a bill for payment not going through and I can not get any information about this transaction except it was not accepted. This bank, EnerbankUSA apparently works through another bank called XXXX that sent me a payment not valid. I called the number on the bill and it is out of order. It is terribly difficult to pay a loan off if you can not get any information on 1. If a bill has been paid 2. If a payment has been received 3. How much I have paid in total 4. How much is still owed Or if I do get information it is absolutely wrong according to my bank statements. I will not send this lender my bank routing number, I only write checks because I saw they had been sued for secondary lenders taking money illegaly out of peoples bank accounts. 

I was also told a representative would get back to me with 48 hours of XX/XX/XXXX and I never got a call

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXXBalance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$750.00}

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was looking at my Equifax credit report. I noticed an account that is severely outdated past 7 years ' statute of date limitations on reporting. 

XXXX XXXX - Account # XXXX XXXX and XXXX are not reporting this outdated account from 2015. 

Please delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I was notified by United Wholesale Mortgage ( UWM ) that my mortgage payment was late and incurred a fee. However, I noticed UWM mis-applied a partial payment instead of crediting it to the next monthly payment. I spoke with a customer service agent who assured me the issue wouldbe resolved. 

In XXXX, I noticed I was still being told I had a late payment and charged another fee. I called again, and the customer agent assured me the issue woudl be resolved and " these things take time. '' I waited. 

Then I noticed in XX/XX/XXXX, the issue is still not resolved so I emailed the company thru their portal who said the issue woudl be resolved within 7-10 business days. I subsequently received a letter stating UWM was looking into the issue, but then I recieved a voicemail from UWM yesterday ( XX/XX/XXXX ) stating my mortgage was late and another late fee was applied. 

I called today ( XX/XX/XXXX ) and the agent said she would put in a ticket to solve the problem. However, I told her that I have already had at least 3 other contacts with the company beginnign in XX/XX/XXXX. She did not have an answer. 

I have documentation from my checking account that I paid over the amount for each month. I start making partial payments for the next month beginning after the XXXX each month ( since the billing cycle runs thru the XXXX ). The customer service Agent i spoke to in XX/XX/XXXX told me she would make a note in the file to ensure any payments made after the XXXX would be applied to the following month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 2023-02-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
They are saying I opened a credit card with them in XX/XX/2022 which I HAVE NEVER HAD A CITIBANK ACCOUNT. They are reporting derogatory remarks on my credit report and are refusing to fix it. I dont have a Citibank account and I have not opened a credit card account in 10 years. This is not okay they are reporting incorrect information

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 2023-02-15 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: OH

Complaint narrative:
I have sent several request re : unauthorized inquiries on my credit file and this company has yet to respond. More than 75 days have passed and the inquiries are still on my file and I need them 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 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, I paid in full my statement balance of {$36.00} and then called Chase Customer Service Representative ( CSR ) to close my account. This closed account in XX/XX/XXXX was verified by XXXX credit report. XXXX months later, In XX/XX/XXXX, my already CLOSED Chase credit card account was charged with {$110.00} for XXXX XXXX XXXX XXXX XXXX that I did NOT purchase. Chase processed the {$110.00} to my already closed account. 

My husband who is an XXXX XXXX XXXX asked me to apply for XXXX XXXX XXXX XXXX account as it gives better benefits and services to XXXX XXXX and their dependents. As soon as I closed my Chase credit card account, I placed the Chase credit card in our shredder and got it shredded. Please be advised that the Chase representative confirmed my account has XXXX balance and has been closed. Again, this was documented in XXXX credit history. 

I believe that I am a victim of fraud in this situation and I am not sure and confused as to why Chase processed this fraudulent charge. Then, In XX/XX/XXXX, after the account closure for over two years, I was shocked to receive a collection letter from the XXXX XXXX. I spoke to many Chase CSRs ( ID # XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX but they all failed to help me. CSR ID # XXXX divulged the charge was made in XX/XX/XXXX and provided me with the merchant name and telephone number. To my due diligence, I called the number XXXX provided by the Chase CSR, which was XXXX XXXX XXXX XXXX XXXX. I spoke to an XXXX XXXX XXXX XXXX XXXX representative named XXXX and her investigation revealed there was no record of the charge in XXXX XXXX XXXX XXXX XXXX. Additionally, I also filed a complaint to Federal Trade Commission XXXX with report # XXXX. 

There was no way for me to dispute the fraudulent charge then as it happened since I learned this fraudulent charge two ( 2 ) years passed after I received the collection letter. Chase did not provide me any statement/s ( they have my physical address ) so I am not sure how Chase expected me to know about the charge I did not make. I never visited the online site XX/XX/XXXX, the official closure of my account ( reflected in my XXXX report ). 

I really do appreciate your time and please give me guidance on how to proceed with this fraudulent charge. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc.
State: FL

Complaint narrative:
Dear CFPB good day Since XX/XX/XXXX, I'm trying to reach Click n close to check why my escrow statement doesn't match with the property taxes on XXXX XXXX 's web page. Also, the bank shows they sent 2 payments for property taxes on XXXX ( the first one on XX/XX/XXXX and the second one on XX/XX/XXXX ), and XXXX XXXX only received XXXX in XXXX. Now I'm in delinquency ( with interest and everything ) for the taxes of XXXX. 
I open a case with the bank 's customer service. In the beginning, they ask me to wait one week. I called every two days. No news, nobody checks the status of my complaint. I have never been in delinquency and is not good for me I have late payments with XXXX XXXX. 
I tried to reach any supervisor, but the bank never called me back. 

Also, I really want to speak with somebody at the bank. I want to know how much I need to pay now in order not to have a {$500.00} increase in my monthly mortgage payment for escrows. 

Also, why the bank is sending late payments for taxes XXXX on XXXX? Is this a regular situation? 

Thank you one more time- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-15 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had a Wells Fargo Checking and savings account and a personal loan with them that paid from my checking account. In 2015 I filed for bankruptcy that included the loan which was granted. Wells Fargo was notified and continued to take payments even though I was granted the bankruptcy. I had to close all my accounts with them. I contacted their customer service multiple times and essentially told me too bad for you the money is ours.

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 2023-02-15 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They are saying I opened a credit card with them in XX/XX/2022 which I HAVE NEVER HAD A XXXX ACCOUNT. They are reporting derogatory remarks on my credit report and are refusing to fix it. I dont have a XXXX account and I have not opened a credit card account in 10 years. This is not okay they are reporting incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
The account in question is a joint account opened in XXXX by me and my ex-wife. We are now divorced with a signed divorce agreement signed by both parties and filed on XX/XX/XXXX. The court reviewed and judge signed agreement that filed it on XX/XX/XXXX. In that agreement, in the debts and liabilities section, it clearly states that any joint accounts should not be used if they have not been closed. Also, that no charges can be made on the accounts, no late payments, nothing that would affect the other person 's credit, and that all liability/debts for the other person on joint accounts is waived. 

This agreement was violated by my ex-wife. I was instructed that I was not a user on the account anymore at the time of the agreement. I also/still have no access to the account or any credit cards for that account. She is the primary user, and I am a secondary user. There were two charges made by her on XX/XX/XXXX ( {$1600.00} ) and XX/XX/XXXX ( {$450.00} ). After that, there were 4 consecutive missed payments starting in XX/XX/XXXX which caused the account to be delinquent and also close with a balance of {$2300.00}. Because I am a secondary user on the account, my credit has been impacted with the 4 missed payments and a delinquent account. I am not liable for this account or debt as of XX/XX/XXXX. 

I have contacted the company in attempt to remove myself from the account but was instructed I can not since the account has been closed and move to the collections department. I also asked how I could be removed from having accountability or to retroactively apply the correction to the account to remove this from my credit reports. Next, I filed disputes with the 3 credit bureaus. The reports came back with nothing being changed because the company stated to the bureau that the account was opened in XXXX with me as a user. They never asked or offered a method for me to provide the divorce agreement that states I am no longer liable from before these purchases were made without my knowledge/consent and that my ex-wife is in violation of the court ordered agreement.

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 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Please take care of this matter on your end. I do not owe this debt to anyone. I've notified the company and voiced my concerns. 
The shows the amount of {$690.00} is in question. I had contacted the company in question and explained my position in the matter. Please stop contacting me and handle this on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 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: SC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX  Balance : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXXBalance : {$74.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: AZ

Complaint narrative:
XX/XX/XXXX : Submitted PSLF application. After months of no response, I was told I needed to consolidate my loans to be transferred to Mohela and submit my PSLF again. 
XX/XX/XXXX : resubmitted form via fax and received confirmation. 
XX/XX/XXXX : Submitted PSLF to meet deadline, no record of previous submissions. 
XX/XX/XXXX received notification that ECFs were processed. XXXX qualifying payments, needed Employer Cerification for months after XXXX. 
XX/XX/XXXX Submitted final Employer verification. The form was cancelled as a duplicate. I called Mohela and was told, it was okay because I have over XXXX qualifying. Called back the next day and was informed that the forms needed to be resubmitted. I resubmitted the forms, XX/XX/XXXX forms show as resubmitted for review. This starts the 90 days again. I am at the same employer from previous verification. 

Concerned the forms are marked as duplicate each time because they are signed by same HR employee.

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 2023-02-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation