vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery account # XXXX. I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 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 of has reasonable cause to believe that the information is inaccurate. 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I would like to add additional information and new attachments to a complaint I just made moments ago. [ Complaint ID XXXX ] : [ DO NOT MARK THIS AS A DUPLICATE BECAUSE IT IS NOT ]. I have enclosed a copy of that complaint as well, in which I disputed the following items : XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I am just realizing a few documents failed to attach. Exhibit 1 : Proof of delivery showing that my most recent letter to Experian was left with an agent of the company. [ Experian did not follow procedure upon disputed accuracy. It has been over 45 days and I have yet to receive any investigation results, nor a copy of my credit report ] Exhibit 2 : Excerpt from my Experian credit report, proving AGAIN, that XXXX XXXX XXXX is providing inaccurate data, and continues to provide inaccurate data to the Credit Reporting Agencies. [ SOMEHOW no matter what evidence I mail to Experian, they have not deleted this item! Please delete it ] Exhibit XXXX : Copy of XXXX reporting 30 days late, then a charge off, then nothing! Incomplete and inaccurate data. Please delete this item. Exhibit 4 : XXXX XXXX XXXX reporting inaccurate and incomplete data. Federal law states that my credit report is to be 100 % accurate and truthful, therefore I am asking that you to please have these item deleted 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 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IA

Complaint narrative:
Regarding Flagstar Mortgage Received escrow statement dated XX/XX/XXXX claiming a shortage of {$5500.00}, resulting in payment increasing by {$800.00} per month to {$2900.00}, equating to an increase of 38 %!! 

Upon contacting the bank, I was informed that my monthly escrow payments were reduced in error in XXXX due to a system error. Thus, due to a significant control breakdown in their processes that 1 ) would allow an error of this magnitude to occur and 2 ) additional controls were not in place to allow them to catch and remedy the error that would have saved me from being in having to repay a significant shortfall. 

I further confirmed that they only run their process once eah year, thus escrow shortages would not be identified for many months, allowing the amount to build unbeknownst to the customer. 

The fact that this is a complete system /process and control breakdown leads me to believe that their is an serious issue within their escrow division affecting countless others.

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 2022-11-04 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: GA

Complaint narrative:
I have not applied for any new credit or authorized anyone else to run my credit in the last 3-4 years. I recently downloaded a credit tracking app and was surprised to see the number of unauthorized inquiries on my report. This has greatly impacted my confidence and ability to apply for anything because I know I will either be denied or receive a high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: NC

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX AccounXXXX XXXX XXXXXXXX had violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
s.

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 2022-11-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
i have made multiple attempts to resolve all the mistakes on my credit report with all three major credit reporting agencies. starting on XX/XX/22 i wrote letters to XXXX, XXXX, and experian i got no response at all first issue at hand is an account from XXXX XXXX being reported Soley to Experian and XXXX on my report its in complete violation of 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 highest balance shows different amounts account status shows paid on experian but show derogatory on XXXX last reported dates show different dates date last active shows different dates date of last payment shows different dates as well i would like this account completely removed from my credit report immediately please and thank you

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 2022-11-04 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: AL

Complaint narrative:
In XX/XX/2022 I filed XXXX XXXX Bankruptcy. I wanted to keep my vehicle so it was excluded in the XXXX XXXX. I attempted to make payments during the period before the discharge but the lender would not accept payments until after the discharged. On the Transunion credit report it is reporting 120 days late. That is not correct.

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 2022-11-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter out to all three credit bureaus about my disputes and inquiries that I didn't have any knowledge of I also sent them my FTC report because my identity was stolen, they still have all these accounts and inquiries on my credit report this is affecting my life I'm not able to do anything my life is ruined can someone please help me these accounts are XXXX XXXX but it's a closed account XXXX XXXX  it's also a closed account and XXXX XXXX  and it also is a closed account all of the inquiries have been removed from Experian but not XXXX and XXXX I've sent them letters and pictures of my identity and social and they failed to send me proof of signature showing I in fact authorized these accounts and inquiries.

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 2022-11-04 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: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I, XXXX XXXX XXXX, have been a victim of fraud relating to Penfed credit union. They allowed money to be stolen from me and then did nothing except back up the perpetrators. 
They lied to you, a federal agency created by the powers of Congress, yet they do not honor or recognize their disdain for integrity in replying to my complaints. Stop their harm and knowing lies and deceit here. 
I told them of the fraud, i told them to get rid of these lies and i do not own that asset. I do not insure it and it is not mine.

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 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
so I upgraded my card on XX/XX/XXXX there is a promotion that if I spend XXXX on the card in purchases I will get XXXX bounus XXXX  points I have been tracking for the whole 4 months and overtime been getting updates from the company. so I made the XXXX and I called and checked and know they come back and say XXXX purchases don't count which I didn't know and they never told me going back all the way to XXXX and the conversations I have had with the reps through the phone and in chat they have said they all now I only have live days left and they say I still have to make XXXX in purchases according the reps for the 4 months I have been tracking I already made the threshold they never told those purchases didn't count until it was too late if I would have known that I have don't things differently I want this XXXX points honored because I did spend over the XXXX and according to there for 4 months when I was tracking this everything was a fine I feel I misled by there reps and I want this honored asap its not my fault if I would have known I would have spend the money on the card diffently I never did any cash advances they are all purchases I made on the card. they never told me XXXX and XXXX XXXX did not count at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Claim ID : XXXX Account ending : XXXX I received a notification that my claim ID XXXX in the amount of {$6900.00} was denied on XX/XX/2022. I called the fraud department to reopen the claim and send in the police report. Bank of America has not answered the phones and denied my claim. I have waited on hold for over 3 yours. They also have not honored their theft and fraud policy. please see my below statement as to what happened : On XX/XX/2022 I went surfing in XXXX, CA and left my wallet and phone in the car. There is a group of criminals who target surfers in XXXX for this reason. The criminals stole my wallet and phone out of the car and went to the XXXX XXXX in XXXX XXXX and were able to use my debit card to purchase {$6900.00} worth of merchandise. They were able to authorize the transaction because they had my ID and my cell phone and were able to call Bank of America to verify my identity. On XX/XX/2022 I filed the police report and was able to verify my identity with Bank of America because I got my new phone from XXXX. Up until XX/XX/2022 Bank of America would not allow me to freeze my credit and debit cards because they could only use my phone to verify my identity. 


They also were able to charge {$6500.00} on my Bank of America credit card at the same XXXX XXXX and I opened a separate claim for that amount. Claim number : XXXX I filed a separate CFPB complaint for this because it was on a credit card. 


Additionally, They were able to XXXX transfer {$3000.00} to someone named XXXX using my XXXX. I assume they were able to do this because they had my cell phone. You can see in the below screenshot they also tried to make several other XXXX transfer to someone named XXXX claim number is XXXX. Bank of America honored and paid this claim. 

Please review the information. I can provide you with all the information you may need. Thank you XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: VA

Complaint narrative:
Over the past few years, I have done multiple investigations on my credit report once I was made aware that incorrect information was being reported. I have reached out to each bureau multiple times regarding the incorrect information, but my effort have gone ignored. 

My investigation revealed unverifiable, invalidated, inaccurate and questionable items neither of the three major credit bureaus ( XXXX, TransUnion, XXXX ) bothered make sure is reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), anything reporting inaccurately on my credit bureau is in direct violation leaving my incapable of being 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and that they each came back verified. However, it is impossible that this can be true due to several inaccuracies still reporting on my credit bureau, despite my efforts to right this wrong. Each dispute that I have filed with the three major bureaus, have all resulted in the same response. In the case of the inaccurate bankruptcy reporting, each bureau responded stating that the information had been verified directly with the source, which would the bankruptcy courts. However, I am attaching a letter here from XX/XX/2022 where the courts clearly state that they do not verify information with any third party entity. So all three of the credit bureaus are lying and they are intentionally allowing inaccurate information to be reported against me, which has hurt me not just financially but professionally as well. Additionally, I have vigorously disputed fraudulent inquiries that I made clear were also not mine and I was told that inquiries can not be disputed. HOW IS THAT POSSIBLE? If ALL information is required to be 100 % accurate, as a consumer I have the right to dispute everything. I DID NOT apply for credit from those companies.

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 2022-11-04 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: GA

Complaint narrative:
I have not applied for any new credit or authorized anyone else to run my credit in the last 3-4 years. I recently downloaded a credit tracking app and was surprised to see the number of unauthorized inquiries on my report. This has greatly impacted my confidence and ability to apply for anything because I know I will either be denied or receive a high interest rate.

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 2022-11-04 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: GA

Complaint narrative:
I have not applied for any new credit or authorized anyone else to run my credit in the last 3-4 years. I recently downloaded a credit tracking app and was surprised to see the number of unauthorized inquiries on my report. This has greatly impacted my confidence and ability to apply for anything because I know I will either be denied or receive a high interest rate.

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 2022-11-04 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: KY

Complaint narrative:
I called Navient today trying to get my payments reduced. They only offered me an " interest only '' option of {$160.00} or a standard repayment of {$220.00}. At the end, they also offered to refinance my loan through another company. I've been paying on this loan for YEARS and still have many years to go. I feel as if I am being taken advantage for a loan I've had since XXXX. The payments are too high for me and navient is unwilling to offer affordable options. My original loan is {$10000.00} and my current balance is ~ {$20000.00}. The interest on the loan each month is {$160.00}. I am just a XXXX  XXXX XXXX with a XXXX XXXX XXXX child and husband trying to do the best I can. This company is ruthless, heartless, and selfish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Signed up for Wells Fargo Visa Card branded with XXXX in early XX/XX/2022 in response to advertisement ( see link below ) offering 3 free hotel nights for spending over {$4000.00} on the card in the first 3 months of card opening. Spent over {$6000.00} in the first two months the card was open, but was only credited with one free night. Six calls/online chat exchanges with Wells Fargo resulted in them denying me the promotion and saying I was ineligible. 

This is dishonest and possibly fraudulent. I would hope Wells Fargo had changed their business practices but apparently they haven't. 

XXXX XXXX XXXXXXXX

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 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a checking account with the Citi Bank for many years and it was my main checking account. 
it means all my pay checks and income has been direct deposited in this account for many years and all my mortgage and credit also set up to pay from same checking account. 
for some unknown reason they decide to close my account and even after I asked them for explanation regarding their decision, but they refused to provide any information. 
I understand that they have right to refuse service to anybody, but my problem is the my money that has been blocked on that account and they are not releasing my funds and i don't have any access to my fund and it cause me too much problem with paying my house mortgage and car payments and even paying my utility bills and all other day to day payments such as credit cards and so. 
the total available balance in my checking account at the moment is {$18000.00}, but as i said they are not releasing my fund and it cause me big problem and it will damage and has unrepairable effect on my credit score and everything else. 
I already tried to talk with them several times and, they only said " this account is closed and you will receive your fund within 60 days '' when i explained my problem for them and asked them to expedite the process for releasing the money the hang up the phone. 
here is the account information : Bank name : Citi Bank Routing NumberXXXX Account Number : XXXX I already told them that they are responsible for any damage and problem that could happen for me regarding my financial status. 

I need you to help me with this big concern before it is getting to late. 
thank you for your understanding and help in advanced. 

XXXX XXXX XX/XX/2022

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