vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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: CrossCheck, Inc.
State: MD

Complaint narrative:
I previously submitted a complaint that is now closed where I requested CrossCheck to do the following : It has come to my knowledge that the companies listed in this complaint. have been supplying my personally identifiable information to 3rd parties without my knowledge or my consent. In accordance with the fair credit reporting act, these companies have violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 15 USC 1681 section 602 a states I have a right to privacy. 15 USC 1681 section 604 A, section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) sections 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 USC 1681S-2 ( A ) ( 1 ) : a person shall not furnish any information relating to a customer to any consumer reporting agency, if the person knows, or has reasonable cause to believe that the information is inaccurate. 

crosscheck responded that it needed me to supply them with more of my personally identifiable information in order to process this request. There is enough information present in the complaint for them to respect my right to privacy guaranteed to me by the aforementioned statues and laws. Instead of respecting my right to privacy, CrossCheck is making me jump through hoops. I do not want them having my information, sharing my information, nor will I be voluntarily supplying them with any of my information. To expedite this process, you can find my ID attached to the complaint. Please note, I am doing this under duress, and if my request is not swiftly met with the requested action, I will pursue every penalty under the law. 

You will also find documents confirming my copyright, trademark, and notice of trespass fee schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX account # XXXX, XXXX  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 a 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 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
hello i'am having a serious problem with my Ashley home store synchrony bank credit card that I was approved for back in XXXX 2020.i 've been using this card to make a purchase online and in store at Ashley home store since XXXX.the card used to have a limit of {$6800.00} in that same year I made a purchase of {$4800.00} and I was able to clear the balance by the end of XXXXi went to XXXX in XX/XX/2022 and I used the card to make a purchase in one of their store in XXXX for a total of $ XXXXand that purchase come with 0 apr for 24 months.i made the first payment to the card in XX/XX/2022 and the next payment didn't post to the account I called them right away to inquire about the problem, later one the post a {$51.00} minimum payment to the account .I made one time payment to clear that out .the following day they switch up the minimum payment to a full balance clearance because they have my checking account numbers.i called my bank and blocked the transaction.until now they closed the account without a valid reason.iam reporting this because the disclosure of the account differs from the the way they proceed to close the account, there is any legal way to solve this issue, they actually report this to the 3 credits bureaux as default on payment to the account.how can I get this issue solve.

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 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
XXXX XXXX and XXXX XXXX authorized their agent to make a formal Notice of Error with respect to the federally related mortgage transaction which alleged account is presently serviced by Select Portfolio Servicing , Inc. on behalf of XXXX XXXX XXXX XXXX, Successor in Interest to XXXX XXXX, XXXX XXXX, as XXXX for XXXX XXXX XXXX XXXX XXXX. 

A foreclosure sale is scheduled for Tuesday, XX/XX/XXXX to auction our primary residence at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 

The Notice of Error was sent to SPS on XX/XX/XXXX by Certified Mail # XXXX XXXX XXXX XXXX XXXX and by e-mail to the SPS Ombudsman 's Office. 

Our agent provided a detailed analysis of the initial transaction, whereby the a filed lost note affidavit failed to establish who owned the Note when it was lost and other requirements under UCC 3-804. In addition, the analysis shows that the subject consolidated note was never in the physical possession of XXXX XXXX XXXX XXXX XXXX, the lender. Accordingly, XXXX XXXX XXXX XXXX XXXX could not assign to Plaintiff XXXX XXXX, as Trustee what it did not have. 

Our agent supplied a complete review of the transaction and the fatal defects therein, and also two graphic illustrations that tracked the note and mortgage, illustrating that Plaintiff in NY foreclosure action Index # XXXX had no authority or Constitutional standing to commence the action on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: MD

Complaint narrative:
The student loans I had was discharge on XX/XX/XXXX as " Student Loan Discharge Based on Borrower Defense Evidence '' it was determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). The letter also stated that my credit report will also be updated to reflect this discharge when it is complete. I called Nelnet in XXXX of XXXX to ask how long it takes to process the discharge information to the credit bureau. Their response was 30 to 60 days. I called Nelnet back in XX/XX/XXXX still not done. I called Nelnet in XX/XX/XXXX to request a status on how long this will take to update the credit bureau with the 0 balance and discharge on the account and was just told again 30 to 60 days and I had my loan officer on the line with me. Because back in XXXX of XXXX I give them the paperwork from U.S DEPT OF EDUCATION. This was still impacting my credit score by XXXX points for my home loan closing that was dated on XX/XX/XXXX. 

I filed a complaint with the Federal Student Aid on XX/XX/XXXX Case # XXXX - No action was taken. 

On XX/XX/XXXX I paid off the loan in the amount of {$5300.00}. Nothing has been updated correctly with in the terms of my original case complaint with Nelnet. I was already getting the run around response with the Nelnet Agents when the original case complaint of update my accounts for the borrower defense discharge based on evidence filed. Still in a hasta to get a XXXX specifically down. I paid the {$5300.00} to Nelnet on XX/XX/XXXX. The money was paid through Nelnet the government servicer and received by Department of Education on XX/XX/XXXX " XXXX XXXX ( XXXX ) XXXX confirmed ''. The Nelnet.com system was updated. Now, Nelnet is blaming the government on not updating the system and or DEN account when Nelnet is the servicer of the government. I believe I have given Nelnet applet time to adjust/process and report accurate information on my account. At this time, I feel that my consumer right is beginning violated. I'm requesting an immediate expedite of all my accounts. I have been on multiple calls with Nelnet agents and Managers for the last 58 days. This is my final action before I can file a lawsuit in court. This is accurate and harmful misreporting action by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In the month of XXXX, I sent my rent over to my landlord, and it was cashed up to my understanding. But later on, I realize that it was cashed by someone fraudulently it was not who my check was originally made up to it was made to a completely different entity, which I send out every month as you can see it is XXXX XXXX XXXX and it was cashed by XXXX XXXX what you could also tell that the check was altered from who it was originally sent you if you were to compare from the other checks from my previous months, you would see the difference and in my current months, he would also see if the check would be checked number XXXX and all Im looking for is a solution to be able to get my money back and have this rent paid. If not, I will definitely look into small court to be able to get this solved, and it wouldnt be any more for the amount on the check, it would be for more because I am being charge late fees from my landlord because of this matter.

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 2023-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: WV

Complaint narrative:
I received an Escrow summery from Freedom Mortgage Company on XX/XX/XXXX showing they were increasing my monthly mortgage payment due to insufficient funds in my escrow account. They were stating I was short {$1900.00} and will be increasing my mortgage payments an addition {$300.00} a month starting XX/XX/XXXX. I reviewed all my statements and the summaries they provided and found there should be {$660.00} surplus. I have contact them twice now trying to get this resolved but they refuse to review this error. I have created a spreadsheet showing what was reported each month on my monthly statements and what they reported on their yearly summery reports. There are 2 months every year since XXXX no funds were entering my escrow account. Every month I receive a bill statement showing a specific amount going to the escrow account to include the missing months on their summery. I would request an immediate review of this account and an official letter of apology once they correct these funds.

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 2023-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was charged higher interest rates and of fees on my auto loan established XXXX/XXXX to current date. I would like this to be investigated and rectified with a refund and or settlement.

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 2023-03-21 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: FL

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 USC 1681. 

Account name : XXXX XXXX & Account XXXX has violated my rights. Or list of inquiries 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 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 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 2023-03-21 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: FL

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 USC 1681. 

Account name : XXXX XXXX & Account XXXX has violated my rights. Or list of inquiries 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 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 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 2023-03-20 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In accordance with the fair credit reporting act, XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can only furnish an account with my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX is continuously reporting inaccurate information to my consumer report, they have taken a vital role in myself and my childrens lives. They are practicing identity theft since I have never given any written authorization to share any of my personal information to any third-party entities which is a VIOLATION OF MY RIGHT TO PRIVACY. WHERE IS EQUIFAX 'S AUTHORTY? This companies have willingly and knowing reported inaccurate information after I have made several attempts to save my family from the malicious intentions we have endured. I have attached a response from a past complaint showing that Equifax did not reinvestigate after I provided information that this account was sold to another lender, how did they not know this information BEFORE ME and play such an important role in my life? This negligence has prevented me from purchasing a home, made insurance rates more expensive and has caused trouble in my marriage. I expect this false information to be removed from my report IMMEDIATLY this is ABUSE. Who is XXXX XXXX? WHERE IS A CONTRACT BETWEEN MYSELF & XXXXXXXX XXXX? I have never heard of this company why is EQUIFAX allowing this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TX

Complaint narrative:
last month i took a look at my credit report and noticed that i had 2 fraudulent accounts on 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 2023-03-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
last month i took a look at my credit report and noticed that i had XXXX fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: MOHELA
State: OH

Complaint narrative:
I have been victimized by identity theft.I reviewed a copy of my credit report and ( XXXX ) ran an unauthorized credit inquiry on me on, XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact ( XXXX ) and investigate such occurrence I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I sent them a copy of the Police report from the XXXX XXXX XXXX in conjunction with my CFPB Report my dispute letter and lastly my Identity theft report with the Federal Trade Commission Certified mail on XXXX TRACKING # XXXX Due to the incompetence of XXXX the unauthorized inquiry is still reporting. XXXX and XXXX have both deleted the unauthorized inquiry but for some reason XXXX refuses to adhere to the Fair Credit Reporting Act.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 USC 1681. 

MOHELA : # XXXX  # XXXX XXXX XXXX XXXX # ACCT # XXXX, Loan Sequences : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : 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 a 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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Credit Card : Ending in # ... XXXX During the week of XX/XX/XXXX, I spoke to XXXX representative XXXX XXXX. She confirmed that if I made a payment to this credit card by Friday, XX/XX/XXXX, it would bring the account current and that no negative information would be reported to the Credit Bureaus. I made the payment on Friday, XX/XX/XXXX, as I promised. However, the next day, Saturday, XX/XX/XXXX, XXXX XXXX XXXX still reported me 30 days late on this credit card account. XXXX  has reported this information to all three Credit Bureaus, and my credit score has suffered significantly as a result ; negatively impacting my ability to buy a home.

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