vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Aidvantage continues to report the consolidated loans to the credit bureaus, while the loans are continuing to accrue interest and the balances continue to increase which is negatively impacting my credit scores and credit profiles. My latest credit bureau reports state that the balances on that consolidated loan balance has increased again. That solely decreased my credit score. 

Here is what the US. Department of Education is saying about forbearance and interest on borrower defense approvals. 
" Title 34, Subtitle B, Chapter VI, Part 685, Subpart D, Section 685.406 ( 1 ) Approval of a Borrower Defense Claim. If the Secretary approves the borrower defense claim ( i ) The written decision states the Secretary 's determination and the relief provided as defined in 685.401 on the basis of that claim.

( ii ) The Secretary places a borrower 's Direct Loans associated with a group borrower defense claim into forbearance until the Secretary discharges the loan obligations under 685.212 ( k ). If any balance remains on the Direct Loans not associated with the borrower defense claim, those loans will return to their status prior to the claim process. The Secretary resumes collection activities on those Direct Loans not associated with the borrower defense claim no earlier than 90 days from the date the Department official issues a written decision. No interest will be charged on the loans during the forbearance period. " Those consolidated loans are a part of the Borrower Defense to Repayment approved application and they are supposed to be discharged and the tradelines deleted from my credit profiles. While in forbearance and awaiting discharge they should not be accruing interest. Why is interest still accruing? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XXXX XXXX Wells Fargo Home Mortgage sent a response back to Case Number XXXX. 

My complaints/issues are : Wrongful Loan Modification Wrongful Foreclosure Request For Restitution CFPB Settlement What I want to know is was I wrongfully denied or wrongfully removed from payment assistance on 5 occasions?, if so, on what dates were these 5 occasions, please specify with a dated copy of these 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 explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Please review the following : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : MACYSCBNA Account Number : XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ). 

After you have finished my request, send me a copy of my credit report reflecting these changes.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Transunion LLC ones again violated my rights by not providing documentation to support the negative information in my consumer report. Those negative transactions are affecting my credit and are affecting the well-being of my family. The dispute was sent on XX/XX/XXXX and the result only took 20 days.It is impossible to do a serious investigation in so few days.In addition What was the documentation they analyzed to conclude that the information is accurate? Why wont provided me copy of those documents? Below copy of the result of the investigation Report XXXX XXXX. 

" Report Created On : XX/XX/ File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS- INFORMATION UPDATED : A change was made to the item ( s ) based on your dispute. 
We investigated the information you disputed and updated : Not Specified. Here is how this item appears on your credit report following our investigation. 

INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Maximum Delinquency ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX, VA 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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for a business credit card through an offer letter sent to me and was initially approved, but then when I went to activate the card I noticed that my account was on hold not just the new account but also my personal account that I had previously and have been using. When I called Capital One to ask the reason they said they needed additional information such as bank statements for my personal account which I sent. They did not remove the hold even after receiving the statements they requested. When I called they said they needed the business bank statements as well and I refused because the business card is not related to my personal account at all. I then asked for all this information in writing as to why I am being treated with prejudice and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
ALLY FINANCIAL- XX/XX/2023 XXXX- XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 ALLY FINANCIAL- XX/XX/2023 I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Is falsely and inaccurately reporting a debt with XXXX XXXX XXXX that is not mine and they refuse to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: NY

Complaint narrative:
This is a follow up complaint for XXXX. I incorporate that complaint by reference. 

The issue is a washed check from XX/XX/XXXX for my company, the XXXX XXXX XXXX XXXX XXXX. 
The amount of the check is {$3200.00}. 

As you can see from my prior complaint, I have called the Key Bank fraud line many times and on several occasions been treated poorly, at best. 

My last complaint to the CFPB resulted in a letter dated XXXX XXXX XXXX from Key Bank Enterprise Client Relations. This letter is part of the file for my prior complaint and incorporated herein. 

It stated that, despite my many calls over the past two years, that Key Bank neglected to tell me of a request from XXXX XXXX. They did not advise me of this request for over one and a half years, despite my many calls. The Key Bank letter of XXXX XXXX XXXX acknowledges this error on their part. 

Allegedly, XXXX  XXXX is looking for an affidavit stating that XXXX XXXX is the Receiver of Taxes for XXXX. XXXX. She properly endorsed the replacement check for the washed check.This is public information, available on their town website and can be easily verified. This is an elected position. It is similar to being requested to prove, but affidavit, that someone is a governor or president. This is a fact they can verify. 

The end of the letter stated additional documentation is needed and that I was to work directly with XXXX XXXX at the XXXX branch. That is my local branch and I have cordially dealt with her over the years we have had these accounts. 

I have tried many times to reach out to her. 
1. I emailed her on XX/XX/XXXX. 
2. I emailed her again on XXXX XXXX XXXX 
3. I emailed her a third time on XXXX XXXX XXXX 
4. I then called and left a message with another employee. I was told she was busy but she would call me back. 
5. I sent a written letter on XXXX XXXX XXXX 

I have not had a response to any of the emails, the call or the letter. This is poor bank customer relations. 

I can not imagine that two years have passed and these funds have not been returned to the account. I have already provided all the documentation that was requested. 

I can not believe that Key Bank did not tell me or a year and a half that XXXX XXXX requested information on XX/XX/XXXX and that I was not informed until the letter of XX/XX/XXXX was sent to me. 

The information requested the name of the Receiver of Taxes, is public information. 

I also am very displeased that I have tried to contact the designated person at Key Bank, five times but there has been no response. 

I would appreciate that this matter be promptly resolved with the return of the funds to the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violate 15 USC 1681 a ( 2 ) ( A ) ( i ) which states that it is illegal to report transaction history : " 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Also, Fait Credit Reporting Act 15 USC 6805 states that CFPB must enforce it : " 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. '' I am requesting that above names accounts be updated to the " paid as agreed '' status reporting 0 % Credit Utilization and {$0.00} Reported Credit Balance.

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 2024-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
Harris & Harris , Ltd., failed to respond to a written request for verification of a debt, for which they signed a receipt of the certified letter making the request. They proceeded to file a wage/income lien with my employer ( despite not obtaining a garnishment order from any court ), in addition to calling various family members and disclosing information about the debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: UT

Complaint narrative:
In accordance with the FAir Credit Reporting act this creditor has violated by rights under 15 USC 1681 section 602 states that I have the rigth to privacy ( 15 USC 1681 ( section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a mortgage account under an open end consumer credit plan late for any purpose.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Bankruptcy should report actual courthouse name, filed date and docket number. 

Information are inaccurate, it is reporting inaccurate reference number, Closing date & Courthouse name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I opened Checking account & saving account in Chase Bank on XX/XX/XXXX after received an email with targeted offer of XXXXXX/XX/XXXX XX/XX/XXXX. 
Chase representative confirmed that both accounts opened successfully & Coupon Code has been applied successfully. 
He explained me terms & conditions. 
As per bonus qualification conditions, Direct deposit from Employer Deposited into checking account on XX/XX/XXXX. 
XXXX direct deposit from Employer Deposited into checking account on XX/XX/XXXX. 
XXXX $ from XXXX deposit from external account into Saving account on XX/XX/XXXX. 
90 Day period ended for XX/XX/XXXXqualification on XX/XX/XXXX. 
Yet, I did not receive any XX/XX/XXXX. 

Events below. 
XX/XX/XXXX - Checking + Saving Account Open with COUPON CODE XX/XX/XXXX - Chase representative confirmation XX/XX/XXXX - XXXX Direct Deposit from Employer into Checking XX/XX/XXXX - XXXX $ XXXX external Deposit into Saving XX/XX/XXXX - XXXX Direct Deposit from Employer into Checking XX/XX/XXXX - 90 Day period ended. 

Customer care Response " It seems you had previous account with Chase ''.

My Response " Not true ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I tried to report a hard ship with capitol one and also XXXX XXXX XXXX and neither responded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Please review the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ).

After you have finished my request, send me a copy of my credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Please review the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ).

After you have finished my request, send me a copy of my credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Autovest, L.L.C.
State: FL

Complaint narrative:
I am currently being sued by AutoVest LLC for an old Auto debt that has reached statues of limitation for sale of goods. I am also being sued in a state where I do not live, and did not sign for debt in. And they also are suing me without notifying me, or sending any documentation supporting their claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation