vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

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 XXXX Bank Credit card : Account number : XXXX, XXXX XXXX : Account number : XXXX, Dept Of EDXXXX XXXX : Account Number : XXXX, XXXX XXXX XXXX Account number : XXXX 15 USC 1681 section 602 A. 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 account without my written instructions 15 USC 1681c . ( a ) ( 5 ) Section States : no consumer reporting agency may make any cinsumer report containing any of the following items 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 consumer to any consumer reporting agency if the person knows or has resonable 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 explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
I changed my payments from monthly to biweekly starting XXXX XXXX. Paid the first half of my mortgage on the XXXX and waiting on the XXXX to pay the rest to complete the XXXX payment. 
Before my old mortgage company sold my mortgage to Carrington, i had a check given to me due to overpayment for escrow and now carrington help that amount in suspense. 
Carrington then told me that using that money in suspense i only needed to pay {$56.00} to complete that XXXX payment but i had the first half already paid. I kept asking them to explain to me why i have to pay multiple times. 
For context. I have about XXXX in suspense then the XXXX payment was supposed to be XXXX and i paid half of that. Carrington told me that to make XXXX payment up to date, i needed to pay XXXX extra since XXXX + XXXX is equals to my XXXX payment. I asked where my first half payment which is about XXXX went then. And they kept giving me the round about and basically telling me that i just now needed to pay XXXX to make XXXX up to day. So my question was what happened to the XXXX i have in suspense. 
The guy on the phone raised his voice at me gaslighting me that i just needed to pay that extra to be up to date. Now i have a late fee for all these going on. The balance left for the XX/XX/2023 is 2 different amount when i use the app and the website.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collections ), XXXX XXXXXXXX ( Collections ), XXXX XXXXXXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX Attempted to get my online free credit report from EQUIFAX. 
Website indicated there was a problem and instructed me to call the Equifax Customer Care Team at XXXX. 
Representative ( no name given ) sent me links so I could send a picture of my drivers license and a selfie. 
I attempted to send the pictures and the application failed to accept the pictures 4 times using 3 links sent by EQuifax. 
Equifax Customer Representative offered to tell me how to send in documentation by USPS. 
I've done this before and recieved no response and it was of no value. 
It is an abusive process. 
EQUIFAX appears to be making the process so difficult or inoperable that consumers will give up. 
I want my EQUIFAX credit report online. 
The abusive obstacles EQUIFAX uses are harmful because it encourages consumers to just give up. 
This places consumers, trying to act responsibly, AT RISK.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im accordance with the fair credit reporting act, this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as 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 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im accordance with the fair credit reporting act, this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im accordance with the fair credit reporting act, this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion After reviewing my credit report I have noticed that you are reporting false and inaccurate information on XXXX XXXX XXXX account numberxxxxxx XXXX XX/XX/2019 you are reporting 120 days late. How is that possible? When the account status is still showing open. Please remove this account from my credit file immediately and send me a updated credit report showing the deletion. This is a violation under the FCRA Thank you 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 non-monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: OH

Complaint narrative:
2 of my checks were stolen from a mailbox. The checks were changed and made out to people I don't know and different amounts.they stole {$15000.00} from my account.this happened in XX/XX/2022. The money still hasn't been returned to me. When I first filled the complaint, I turned in a police report and provided all paperwork that I was asked for. I was told that it could take up to 3 months. I am given the runaround and I had to keep turning in copies of the same carbon copies of the checks and the bills I was paying with them. I had talked to XXXX XXXX at Key Bank and XXXX XXXX in client relations XXXX. This is a lot of money to me and I just don't know what to do anymore

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 — Investigation took more than 30 days
Company: HW Holding, Inc
State: TX

Complaint narrative:
I sent a dispute letter concerning information reporting on my credit report directly to the creditor. I am unsure why they are reporting inaccurate information on my credit report. I have never gave this company the authorization to access my personally information or I never have any services with this company. They have not responded with any solution on why they are reporting inaccurate information on my credit report.

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: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a Citi bank AA credit card and the realized there was a {$450.00} annual fee so I called and canceled the card and called the company to make sure everything was ok. I then started receiving statements saying I owed {$450.00} so I called them again and they agreed to cancel the fee even though I kept calling. My credit score just took a hit of XXXX points do to a past due non payment on a {$0.00} account which has been cancelled and then called them again today ( XXXX ) and eventually got to a person after 2 hours of being transferred and they said my account was XXXX! 
Very frustrating trying to pay a XXXX bill on a cancelled account! 
What can I do?

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 monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Mine and my husbands information was used to open credit card accounts, purchase items and apply for loans. My credit was frozen so I only received letters about the loan application, my husbands information was used to open accounts and he is still receiving letters for loan applications that can not be processed due to his credit report being frozen. This has been on going since XX/XX/ 2021.

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 with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dispute amount : {$1600.00} and {$2500.00} Date of transaction : XX/XX/2023 Case # : XXXX Merchants name : XXXX XXXX XXXX 
Bank name : Capital One I rented a vehicle from " XXXX XXXX XXXXXXXX  '' I was involved in a minor accident that caused damage to the wheel 's & tires of the car rental. I applied car rental insurance to protect me in the event that something like this would happen. I am only liable for a {$1000.00} deductible but the merchant is charging me about {$5000.00}. After trying to resolved the issue with the merchant, I decided to dispute the charges with my bank because the merchant is not honoring their part of the rental agreement. Unfortunately, my bank closed the dispute in favor of the merchant & is charging me an amount that I am not liable to pay. This is bad business on behalf of my bank institution.

Company response to consumer: Closed with 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: LEXISNEXIS
State: GA

Complaint narrative:
Lexis Nexis false represented me by obtaining an unverifiable bankruptcy and placed it on my ACCURINT REPORT with out my permission. Lexis Nexis furnished the bankruptcy to the consumer reporting agencies inaccurately without properly investigating this ( Bankruptcy/Public Record ). Only VERIFIED information should be reported to the consumer reporting agencies. Although, The Accurint Report or database is not under the FCRA, however the ACCURINT Report/Database is regulated under the Gramm-Leach-Bliley Act. Lexis still furnished it to the Consumer Reporting Agencies who do follow the FCRA Laws. Therefore, FCRA laws are required during this Transaction or Process.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX and XXXX  XXXX # 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 1681q Obtaining information under false pretenses shall be fined under title 18 and imprisoned for not more then 2 years, or both. Failure to remove these accounts within the next 4 days upon receiving these receipt.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Under the federal CARES Act, if you are receiving an accommodation on your mortgage, such as a forbearance or a repayment plan, and you were not delinquent on your mortgage before COVID-19, your servicer must report your loan as current even if you are not making payments. 

I entered into a mortgage assistance program with the XXXX XXXXXXXX XXXX XXXX due to being out of work during beginning of COVID. I was approved. 

3 payments beganXXXX XXXX XXXX placed me in loss mitigation. 

The first payment of three by XXXX  ( mortgage assistance provider ) of {$1900.00} was made on XXXX XXXXXXXX XXXX 
However, I paid {$1900.00} on XXXX XXXXXXXX XXXX from my checking account. 

My auto pay was shut off unknown to me at this time and I am responsible for overlooking this. However, prior this time I had 0 ( zero ) delinquencies. 

The second payment On XXXX XXXX {$1900.00} was paid. Auto pay had been shut off so I did not have a withdraw from my checking beginning in XXXX. 
-- - At this point XXXX, XXXX, XXXX, were paid and up to date. However, XXXX and XXXX XXXX XXXX XXXX 0 ( zero ) funds due to auto pay being shut off unknown to me. 2 payments. 
-- - The third payment was made on XXXX XXXX, XXXX for {$2000.00}. In XXXX, upon discovering what had happened to my account I paid what was delinquent and asked to be removed from loss mitigation 's grasp and in XXXX I paid the remaining delinquencies. I have not been removed from loss mitigation despite almost 45 days going by and now discovered. 
-- -- XXXX sent my lack of payments to different credit bureaus, which according to the CARES act is not allowed. They claim I do not fall under the scope of the CARES ACT 's silence on payment history. 
Please help me get my credit score back up and to have them recant their reporting as an error on their part. 

-- =

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: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I have an Apple card that was restricted after using it out of state. When I try to get in contact with the car company, I was told theres nothing they can do. They had me verify my identity and Ill change my account password, but there was still nothing they could do to help.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Im accordance with the fair credit reporting act, this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with monetary relief
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: MOHELA
State: MD

Complaint narrative:
Prior to my loans, being with Mohela, they were with XXXX XXXX. I was informed by XXXX XXXX by several representatives, that once my loans were transferred to MOHELA I could request and in school deferment waiver, as well as a request to waive my six-month grace period to have my loans placed back in in school status. I was in the process of completing my XXXX XXXX and was very concerned that if I continued to go to school and start my XXXX XXXX, my lungs were not placed in in school status and therefore were not qualify under the special waiver period that President Biden put forth. I was assured that I would be fine, and as soon as I transfer my lunch to MOHELA, they would be able to accommodate us. After being with Mohela for several months, I finally spoke to a supervisor who advised me that this information that I was provided was not accurate and I could not place my loans in in school status, nor can I wave my six-month grace period. Because I was XXXX XXXX XXXX If I was if I was provided the correct information, I wouldve stopped going to school after I completed my XXXX XXXX in XX/XX/2022 to allow my payments to go into in payment status so that way these lines could apply to my PSLF. I have written to the White House about this several times, and they forward my concern over to Mohela. MOHELA then responds generically and does not resolve my concern. They are not able to review my calls from XXXX XXXX where I was provided inaccurate information. 

My biggest concern now with mohela is that theyve advised me three times now since the beginning of 2022 that I could request to be placed in an in-school deferment I have requested it three times however still to this day loan sequence one through 10 is not reflecting appropriately. As a result, even though I work for a XXXX XXXX, the past two months is not being counted towards loan sequence one through 10 because of this. I called in again where a supervisor stated that he did not see the request and asked me to send it in for a 4th time! I have mailed it 3 times as well as requested it over the phone. This doesnt make any sense. 

I am exhausted and every time I call Mohela I usually get a person who provides an accurate information as well and Ive wasted two hours of my time and feel defeated. I need help. I know that I can not be the only person going through this and I am tired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation