vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: NV

Complaint narrative:
In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NV

Complaint narrative:
In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX08-30 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
XXXX XXXX took over my mortgage in XX/XX/XXXX. From that time I have made multiple payments in a month based off of my paycheck deposits. Each month XXXX has held these partial payments in a suspense account until the full mortgage payment has been accumulated. They then have applied it to the next months mortgage payment as intended. XXXX did this up until XX/XX/XXXX when they decided to arbitrairly to take the first payment I made of XXXX and apply it to principal only. This has caused me to now be a payment short in which they are stating they will charge me a late fee. On XX/XX/XXXX I called XXXX Customer service and was rudely told that " XXXX does not accept partial payments and that I should make a full payment! '' The customer service representiative did say " I will request that the funds that where incorrectly applied to principal be reallocated to your normal payment but this would take XXXX XXXX and in the mean time I should make a full payment at the end of the month and that any negative credit bureau reporting or late fees would be reversed '' But according to their mortgage statement what I have been doing is acceptable and explained on the XXXX Mortgage statement as copied here : " Partial Payment Policy Any partial payments that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' I have downloaded my payment history from XX/XX/XXXX to present from the XXXX XXXX website documenting this process of me making a partial payment and XXXX keeping it in a " Suspense Account '' until the upcoming first of the next month as proof of this being something XXXX has been doing. Now XXXX has taken XXXX of these payments and applied it directly to principal which was not requested by me. I have attached a pdf printout of my payment history directly from XXXX 's website as doucmented proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I'm willing to provide anything required by law to prove my innocence. Money was taken from my account that were a result of fraud. Capital One refuses to return my money or acknowledge the proof provided. On XX/XX/XXXX I was informed of suspicions activities on my account. After disputing the items I was told someone I know probably made the charges. I'm the only user of the account and have attached as much proof as possible. They failed to provide exact locations on several of the charges which makes it impossible to get supporting documentation on all transactions. See attached documentation. I also have several witnesses that I was with during this time. Im providing a police report a photo of the individual at one of the locations and a letter stating XXXX fraud liability. They could of called any of the fraud department and got camera footage. They claim the reason they took my money is I probably knew the person. Seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

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 2023-01-11 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: MS

Complaint narrative:
The credit reporting companies used my information fraudulent. Under the Fair Reporting Act ; 15 USC 6802,15 USC 6809,15 USC 1681 my information was used fraudulent without my permission

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 2023-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Inquiry on all three credit reports from Capital One on XX/XX/XXXX that I did not make. Per the instructions from Capital One, I sent a letter, along with my personal information, and copies of my credit report. I received a letter on XX/XX/XXXX that states they didn't receive my information. The only way Capital One would have known to send me a letter is if they received my letter first. I called Capital One and they acknowledged they opened a case but didn't receive my information. I explained that the only way they would have opened a case is if I contacted them first. They refused to help any further other than requiring me to send in my information again ( which I reluctantly did ). In addition, my credit is frozen due to an unauthorized inquiry made in XXXX of last year. Notes on my credit reports state this, and also state to call me to confirm my identify. Capital one did not reach out to confirm my identity. They also did not open an account as far as I'm aware. They should have proactively removed the inquiry from my report due to it being unauthorized. 

Attached is a copy of the letter from Capital One, along with the second letter I sent to them and all other supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My XXXX XXXX XXXX was totaled on XX/XX/XXXX by someone hitting me. I now have financed a new car, and XXXX Bank was paid off by XXXX. I would not have been able to finance a new car with an existing balance to XXXX unpaid. I have documentation from the insurance company saying the payment was sent over a month ago. My credit score says the account with XXXX is delinquent and my score has dropped XXXX points. This is clearly incorrect information that needs to be rectified as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
bmo harriss bank has refused to open a a account on the endless attemps my whole life and i am a XXXX XXXX XXXX senior now TREATED DIFFERENT IN AMERICA WHY WHY WHY WE THE PEOPLE OF THE UNITED STATES OF AMERICA WHICH I AM ONE A AMERICIAN BORN CITIZEN? IS A CREDIT SCORE GREATER THAN THE US CONSTITION OR IS A BUSSINESS GREATER

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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: PA

Complaint narrative:
The past 2-3 months, every single visit to a KeyBank branch has resulted in them being " unable to find my address '' on my account, even though I have my address listed on my account and it is visible in the app. This has happened 5-6 times, and on XX/XX/2023, a visit to a branch somehow necessitated me writing down my Social Security #. 

Upon calling customer support earlier today, I was told that they " didn't have anyone to solve the issue '' and to resolve it at my local branch, even though it happens at every branch. 

It is clear that KeyBank doesn't care about its customers, and I am switching elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have had a card with Synchrony Bank for over a year. I got the card through XXXX. I bought doors on it and I had my bank on automatic payment to pay it off. I over paid and they sent me a check XX/XX/2022 with the overpayment. 

I just bought cabinets on the card on XX/XX/2022. I set up the payments for my bank to draft a monthly payment to them. I sent them a payment in XXXX and XXXX. In XXXX they tried 2 times to draft my bank for the full amount unbeknownst to me. I did not have the funds in that acct for the full payment of over XXXX. They immediately closed my account. I have reached out to them two times and the first time, the manager looked over my payments and said that she would send it to the board to review. I spoke with another manager yesterday and she told me too bad. It appears that the acct switched over to pay in full. I informed her this was a glitch on the computer programs and not mine. She could see that I was paying each month. She told me there is nothing that they could do. I informed her this would hurt my credit score and that I have good credit. She said there was nothing that I could do and that the account was closed. She also told me that I could open up another card. 

Please help me figure this out and repair my credit. I shouldn't be penalized for a glitch in their system.

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 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

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 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC.
State: OH

Complaint narrative:
I applied for a loan through XXXX XXXX The next day and every day since I am getting at a minimum 20 calls a day from central mortgage company. From a different number, location etc. different person. No matter how many times Ive asked to stop being contacted. They continue to call day in and day out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: OH

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV FINXACT CORE
State: MN

Complaint narrative:
On XX/XX/2023 I received a letter in the mail from TRS recovery services , INC . The letter stated that I owed a debt of {$52.00} to XXXX XXXX. 

TRS Recovery Services , INC . 
XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX The following website was provided in the letter : www.trsrecoveryservices.com I have not received any notification from XXXX  that I owe this debt, and my account with XXXX showed all was paid up. I reached out to XXXX and they confirmed I do not owe a debt. 

I went to the website XXXX provided so that I could request proof of this debt, and in order to submit anything to them, they require you to provide your bank account information, full social security number, and Drivers License. This tipped me off immediately that this is a scam. The fields do not show as required but if you do not populate them you can not submit your dispute. 

This company has multiple reports on the XXXX  of a similar scam for XXXX XXXX. The website should be shut down and this company should be penalized for the damages. It should be shut down.

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 2023-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Ive have called several times to Citi Banks Secure Credit Card Dept I was transferred around 13 times the representative told they dont have no acknowledgment of this account. They even gave me a phone number to a collection agency called XXXX when I called the agency they dont have no account with my name I called back to Citi bank and was told I dont owe them Theu dont why this is show up on my Credit Report the agent name is XXXX XXXX These are phone numbers I have called. XXXX XXXX XXXX XXXX XXXX XXXX can please help me delete this 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 explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My son attended XXXX XXXX of XXXX XXXX - XXXX. He attended XXXX for his XXXX  and was told to look into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We spoke with admissions counselor and they gave us high percentage of students that graduated obtaining immediate employment upon graduation. During his 4 years he was told he was not eligible for scholarships, although his grades were XXXX XXXX XXXX, he took out several loans to pay for his education. Each time it came around to pay tuition we were told that I had to apply for a Parent Plus loan, although I knew I would be denied because of a recent XXXX. In XXXX I was approved for {$7000.00}. We did not need as much but we borrowed XXXX extra to purchase a car for him to get to school and for computer and supplies. I electronically signed the XXXX unknowingly and without explanation that this type of note allowed for withdrawals up to ten years. It made no sense because I still had to apply for PLUS loans each year. It was never really explained to us why, and my son ended up with over $ XXXX in student loan debt. My little Parent Plus loan is now XXXX XXXXXXXX. I have tried for XXXX XXXX to get help from the school financial aid officer, after leaving multiple messages and getting runaround I consolidated although I did not agree with the amount owed. 3 different loans. The documentation I did find on XXXX website has two XXXX  but one lists incorrect name as student with my son XXXX. My XXXX amount was more than my car note, I only made XXXX XXXXXXXX XXXX  with housing abd other debt. I tried paying that until I get sick and went out on medical leave in XXXX and again in XXXX. I finally made the decision to XXXX  XXXX XXXX to try and pay towards the balance but it is not discharged. Once I was discharged it began reporting open with XXXX XXXXXXXX balance and counting, dropping my score XXXX points!! I now understand the school is closed, my son worked with an attorney to address his student loans. Parent PLUS loans are rarely eligible for forgiveness. I was taken advantage of being ignorant to student loan lending by XXXX XXXX XXXX XXXX and so was my son. He just wanted to obtain his XXXX XXXX and I wanted to support. We thought loans were our only way and were never offered alternative grants or scholarships. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I called Bank Of America at XXXX to report that I had received several emails on XX/XX/XXXX stating that my application was approved for an account. I spoke with XXXX in GA who provided me with case no. XXXX. I was advised to contact the FTC, XXXX XXXX  and the credit bureaus as well as provided an email with the information. I was told an account had in fact been opened but no further information could be provided at the time. I was advised the account would be closed and something should be sent to me in the mail. 
I called back to Bank of America on XX/XX/XXXX and spoke with XXXX in TX in the fraud department advising I had received a text to my phone for a verification code. XXXX advised that the account is closed and there is no access. 
I spoke with XXXX in TX on XX/XX/XXXX in the fraud department and advised that I had not received anything from Bank of America in writing and requested something be sent to me. He advised me that he would request a letter be sent and to allow 7-10 business days to received. 
I called back to Bank of America on XX/XX/XXXX and spoke with XXXX in TX in the fraud department regarding the previous call where I was told a letter would be sent in 7-10 business days and still hasn't been received. She advised that there was no document that could be sent due to the account already being closed. I requested to speak with a Supervisor. I spoke with XXXX who was a supervisor in TX as well who advised that due to the account being closed at " no loss '' there was no documentation that could be sent out. I reiterated that I needed proof of this in writing because I only have their word that the account was closed. He stated he would send the request to an analyst for a resolution letter and also a form FACT ACT 151 be sent to me vial email. He stated the request could take up to XXXX business days to be approved. 
It is now XX/XX/XXXX and I have not received anything from Bank of America since the first call on XX/XX/XXXX although I have asked twice and have been told twice something would be sent and or requested.

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 2023-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
When my student loans were with Navient, I would send in my Income based repayment application every year. My payment was always XXXX  because my income was so low. And yet they are negatively reporting late payments, and those payments are not being reflected as a part of eventual loan forgiveness after 25 years of income based repayment.

Company response to consumer: Closed with explanation