vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've been trying to get a mortgage loan. The company I used says they used XXXX to pull all 3 reports. I was tod that that Experian report was locked because I was active military. It also showed my date of birth as XXXX, my date of birth is XX/XX/XXXX. It had many other mistake as wll. Every time I found a new issue it would start the clock over on their system to update. I made at 10 calls to correct issues. Finally on XX/XX/XXXX I was told everything was corrected. I checked today and still can not access my score, and information is incoreect. I don't want to call them again because they will start a new dispute and the clock stars over again. I've never been in the military. I called Experian and was told that these issues were corrected and it would take about 30 to 45 days to reflect my report. I don't know what else to do. Interest rates are going up. PLEASE HELP. The other 2 bureaus are showing updated 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 2022-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with XXXX XXXX ACCOUNT NUMBER XXXX, all have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or about XX/XX/XXXX I went to deposit a check to my business account at Chase bank, at which point the teller said that my account is " restricted '' and can not accept any deposits or pay any checks. The bank manager wasn't sure why that is the case, since there was more than enough money in the account. The message in their system said that some information is missing. I spent most of the day filling out all kinds of paperwork, even though this account has been open since XXXX. In the meantime, the bank bounced some payroll checks, tax payment to the IRS and XXXX, child support payment for one of my employees, etc. After the account was reactivated, I asked for the letter explaining why this happened. Bank manager said that someone would contact me. To date, no one did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I am writing in regards to the student loan I held with Navient. In XX/XX/XXXX I consolidated my loans with XXXX and until that time I made my monthly payments to Navient. I contacted Navient to request a refund for payments made from XX/XX/XXXX to XX/XX/XXXX and was told that I was not eligible for a refund due to the loans being FFEL program loans. I was disheartened to learn this information due to the fact that I had never recieved good information regarding obtaining loans and repayment so that I could make an intelligent decision regarding student loans. Had I known moving my loans from Navient to XXXX XXXX would have stopped my payments I would have done so in XXXX of XXXX but I was never given the information or the opportunity. I feel I have been a victim of predatory lending practices and would like my story ( and others similar to mine ) be heard and addressed. I only ask that the monies paid to Navient during the period of XX/XX/XXXX and XX/XX/XXXX be repaid to me. 

Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NE

Complaint narrative:
I made an application to the Nebraska Homeowners Assistance Fund and the application was approved in XXXX. The people from XXXX have been trying to communicate with our mortgage lender and servicer which is Shellpoint Mortgage Servicing for over two months now. They have sent electronic communication to Shellpoint requesting amounts due on the mortgage so they will be able to send funds for the delinquent mortgage but Shellpoint has not and will not respond at all. We have called Shellpoint over a dozen times and three way called them with the XXXX and they keep telling us they have no way of seeing if they received any communication. Shellpoint keeps sending letters of amounts due and foreclosure warnings but will not acknowledge the approved application with the XXXX. XXXX is ready to send funds over for the mortgage that is due but Shellpoint absolutely will not respond or acknowledge them and we are scared of getting foreclosed on our home. If there is any way you can help we would greatly appreciate it. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i made a cash deposit on XXXX they not only not credited my account they deducted it it from my account as a check so they owe me my deposit and the debit they took so they owe me XXXX deposit plus the debit of XXXX out of my account

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 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I paid off my XXXX XXXX XXXX loan in full. However, this information was not updated by the credit reporting agencies.

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 2022-09-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I paid off my XXXX XXXX XXXX loan in full. However, this information was not updated by the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: CT

Complaint narrative:
XX/XX/22 Received a notification from Experian that there was a hard inquiry added to my credit report. I did not apply for any new credit cards so I checked my report and found that someone tried opening a credit card with XXXX XXXX XXXX. I contacted the bank that same day and they canceled the application and did not mail out the credit card. The credit card application information was fraudulently completed and the thief used my maiden name to try and open it. 

XX/XX/22 Contacted all three credit reporting agencies and put a credit freeze on them. 

XX/XX/22 Was unable to file a police report in my town of XXXX CT because I do not have transportation ( someone stole our car recently ) and the police need me to file the report in person. 

I need the hard inquiry removed from my credit report as I am trying to buy my first home and need the best possible credit score. Per the letter from XXXX XXXX XXXX, in order to get the hard inquiry removed, I must file a identity fraud report with FTC and provide them with a copy.

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX decided to get a credit card from their website somebody open a credit line under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX staggered years posting Delinquent Line of Credit on Mortgage to add additional years from the 7 to 9 years with one credit Bureau ( Transunion ). Since none of the Credit Bureaus coordinate with each other, no one can assist in the difference in years filed for the same account. XXXX listed with Transunion that a payment was made in XXXX... which I never made. On their Report Legend it is justified with " Ok ok ok etc ) for that year. How did it get to be ok .... ( Fraud payments posted )? No payment made. 

I received all three Credit Reports from XXXX, XXXX and Transunion : The account numbers were changed for different accounts XXXX was filed with XXXX XXXX Same account. When XXXX submitted my dispute... it was changed and closed. 
XXXX was filed with XXXX XXXX same account. Changed and Closed XXXX  was filed with Transunion ( XXXX ) with bogus payment made in XXXX to extend the years from ( 7 to 9 ) to a closure date of XX/XX/XXXX. I MADE NO PAYMENT IN ( XXXX ) to this account. This justifies their beautiful, itemized statement. 

In their payment legend with OK OK OK reset the account., extend delinquency and post with a Credit Union . 

Also different account numbers used with the Credit Bureau... With no check and balances with each Credit Bureau, Can they post a bogus payment and post with different account numbers, extend years, and file with a different Credit Bureau? 

My original account number is XXXX, and this number is not used, but different numbers with different accounts. 

I know accounts may be posted with different Bureaus within 30 days or so, but not 2 years, same account, to keep a negative credit rating after the 7 year allowance on this type of delinquent account. 

Since I posted a Dispute, the information now reads " Foreclosure Initiated ''. 

Please help ... .Thanks.

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 2022-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: TN

Complaint narrative:
XXXX XXXX of XXXX, TN has been trying to collect a debt from me owed to them by my worker 's compensation claim insurance for an ambulance service that was on XX/XX/2019. I have been contacted by XXXX XXXX and various collection agencies to try and collect this debt from me. Over the last few years, I've provided written letters, workers compensation medical claims info and verbal phone calls to inform these companies that the debt is owed by worker 's compensation claim and NOT by me as an individual. I have also asked them to cease and desist in contacting me, however, they continue to bounce this debt request around to different companies to get around having to abide by the cease and desist request. 
At this point, I need them to contact the worker 's compensation provider directly ( XXXX ) to file claim and remove me from all communications harassing me and continuing to bounce this around to other companies, requiring me to provide documentation each time that has been provided already. Please help make it stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Union Home Mortgage Corp
State: OH

Complaint narrative:
I applied to get a loan with XXXX XXXX XXXX at the beginning of the summer XXXX She requested I give to her a picture of my id and a picture of my social security card. She also recommended that I get a new credit card because when I applied my credit did not show on their system. 

XXXX does not have a license. She hasn't worked for a bank in over a year and yet she is still doing business under her cousins name : XXXX XXXX who is an LOA at uhm. I do not understand why she asked me for my id and my social security card. Thats not how people usually apply for a loan. Her husband XXXX is also a realtor. she is abusing her power, and her husbands license to not only work with clients but abuse their personal information. I am scared they will steal my identity. 

I am only one person. You should really see how many loans does she do for XXXX speaking people who do not know better like myself. I feel like she keeps working on this because of greed.

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 2022-09-07 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: OH

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 : It also states a consumer reporting agency can not furnish a account without 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. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In XXXX of XXXX  this year, I submitted a request to the credit bureaus because I noticed that there is some inaccurate information being reported being reported on my credit reports. I have not received the information back about these accounts or how the accounts were verified to be placed on my credit reports. I am also aware that my information was in the recent XXXX XXXX XXXX in which I have asked that all bureaus remove the non-account holding inquiries and inaccurate personal information from my credit profiles. Of which I have received no correspondence back at this time. I am requested for these to be deleted from my credit reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In XXXX of XXXX  this year, I submitted a request to the credit bureaus because I noticed that there is some inaccurate information being reported being reported on my credit reports. I have not received the information back about these accounts or how the accounts were verified to be placed on my credit reports. I am also aware that my information was in the recent XXXX XXXX XXXX in which I have asked that all bureaus remove the non-account holding inquiries and inaccurate personal information from my credit profiles. Of which I have received no correspondence back at this time. I am requested for these to be deleted from my credit reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a lowes credit card with a fixed interest balance and several XXXX interest promotions. On XX/XX/2022 I made a payment of {$2600.00} to be allocated to paying off XXXX of the XXXX interest promotions before they expired ( XXXX in XX/XX/2022 and XXXX in XX/XX/2022 ). I was told that it would be allocated by the beginning of XXXX. I checked my statement in XXXX and it had not been completed so I called again. They said it was corrected and to check back at the beginning of XXXX. I checked again and called again because it still had not been completed. I just went through the same thing with them again. With those balances not being paid off as they were suppose to have been done, my minimum payment calculations were not correct. I have always made my payments on time. This is a very unfair practice. If someone is paying off a promo before it ends in order to prevent paying the accrued interest but it takes months for it to go through, that is extremely wrong.

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Last week, I received XXXX emails about my XXXX XXXX card : the first said a new one was due to arrive in the mail, the second instructed me to ignore the first email because my account was closed ( which was an absolute surprise as that was news to me ), and the third told me to ignore the second email as my account _wasn't_ closed. I tried calling them, but was on hold for about an hour and no one ended up answering. Today I received my new card in the mail, but upon trying to activate it, both the automated phone system and online activation say there is no record of my account. My credit report shows the account still open, but I can't even log into the Comenity website to check as the site throws a " technical glitch '' error message every time I try to sign in. Nothing seems to be working at this company and I can't manage my account or even get a hold of a real person to understand what's going on. 

It feels like something is being covered up ; whether it be a cybersecurity incident or a botched system upgrade, this should not be happening to an institution in charge of this much sensitive personal and financial information. 

Leadership needs to step up and explain to their customers why their entire online and phone system have been in disarray for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: VA

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.

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 finish 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 XXXX years XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # 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 2022-09-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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