vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: CA

Complaint narrative:
Formal request via certified mail was sent to XXXX on XX/XX/XXXX to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to XXXX resulting in partial payments. Prior to XXXX 's security breach, we made overpayments to our XXXX account from XX/XX/XXXX through XX/XX/XXXX and NEVER had a late or delinquent payment. 

XXXXXXXX XXXX security breach occurred in XXXX and lasted for weeks. My wife contacted XXXX and explained our dilemma with the understanding that our telephone call on XX/XX/XXXX was noted with an extended grace period. We were surprised to find that the grace period was not extended and that XXXX falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account was paid in full as of XX/XX/XXXX. 

We asked XXXX to amend and provide a good will adjustment to Experian, XXXX and XXXX for the aforementioned reasons. 

On XXXX XXXX, XXXX @ XXXX, XXXX XXXX XXXX, XXXX XXXX offered to provide a one-time courtesy to amend our credit report if we provided proof that payment was initiated via Bill Payer on or before XX/XX/XXXX. Proof was enclosed via email ; attachement included voice-mail transcript from XXXX XXXX stating as such and bill payer payment made XX/XX/XXXX. XXXX continues to be evasive and disingenuous to resolving our request to addend our credit report. We would appreciate your help in resolving the issue.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANKMOBILE TECHNOLOGIES, INC
State: PA

Complaint narrative:
I had charges occur in XX/XX/year> that I didnt authorize and they keep denying me for reasons that make no sense. They tried to tell me that I reported in XX/XX/year> for a claim that happened in XX/XX/year>. I explained that I couldnt foresee the future, so theres no way I called to file a claim 6 months in advance before the unauthorized charges were going to occur. They were speechless. I spoke on speakerphone and there were several people in the room, the phone call will even corroborate that because the customer service operator said she hears other people is it ok to talk in front of them. They heard that I was spoken to like a child, made fun of, was made to be treated like an idiot. They are trying to drag this out to be past their 90 day cut off. They have not gone through and properly read all the notes like I did because they clearly show that the things listed were about different things. They also tried to tell me that had I got a new card in XX/XX/year>, i wouldnt have gotten scammed in XX/XX/year>. Thats insured! I said why would i need a new card when i keep saying I wasnt scammed in XXXX! XXXX my XXXX payment came out and I forgot what it was at first then immediately contacted them and said it was ok, it was my XXXX IPhone charges for my XXXX. They refused to let me speak to anyone else, give me any other email address phone numbers a manager, nothing. Please listen to our recorded calls! All of them and listen to hideous the calls sound. They make no sense. If they would just read all the notes they could see that there are different scenarios that take place in them. They keep lumping them all together for their benefit. Theyre bullying me horribly. I actually cried and wanted to runaway because of how they treated me. I felt useless, stupid, just awful. Ive never experienced anything like this ever! Please, could you please help me to make them take the time to see that they have hurt my feelings badly and to read the notes to get this right? Theyre bullying me so bad. They will not help me p, listen to me nothing. Theyre acting like what they say goes, I have no say in anything, I do not deserve any type of explanation nothing. This isnt right. This isnt how a bank in the US is supposed to be operated.

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 2024-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
To whom it may concern : I'm writing to file a formal compliant against Navient for its denial of the School Misconduct Discharge application on my private loans, which were taken out to attend the XXXX XXXX, which later was found to commit fraud. Despite Navient 's acknowledgment of the misconduct of the XXXX XXXX, I received a grossly gauge response to my application. This response is not only inadequate, but also in clear violation of the Holder Rule. It has been well documented of XXXX XXXX fraudulent activities, and Navient has received these types of complaints since 2011. My federal loans under Navient were later discharged under the borrower 's defense and now under is this School Misconduct application, my private loans should be discharge under the same circumstances. I'm seeking for a clear and specific explanation on why my application was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my 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 explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
This is my 3rd complaint against the same company since XX/XX/24, Complaint ID XXXX. In it I complained about loan XXXX, XXXX XXXX, approving my application, promising to send the pre-approval letter then not sending it. XXXX responded to the CFPB by saying they need more time to respond. On XX/XX/24, I filed my 2nd complaint, Complaint ID XXXX, against loan officer/manager, XXXX XXXXXXXX, for wrongfully denying my application after it was approved by XXXX, in violation of the XXXX XXXX, and HUD Mortgage Loan processing guidelines , for discriminatory loan processing tactics and discriminatory denial. XXXX responded to the CFPB by saying they need more time to respond. This 3rd complaint arose today after XXXX XXXX XXXX XXXX XXXX - Cross Country Mortgage called me numerous times inviting me to apply for a mortgage. After several texts and voicemails from them discussing that I have a HUD XXXX XXXX XXXX for 4 bedrooms and an Estimated Payment Assistance ( EAP ) Letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), she indicated that there may be a problem with me using my XXXX even before sending me a new application, saying in a text from her supervisor 's phone number XXXX " Ok. Let me ask our underwriting department how that works and if there are any issues with that, '' I asked why there would be an issue, she responded, " I don't see why it would be an issue, but just double checking to be sure '' then the supervisor continued, " Well, we are the mortgage lender and like we were discussing before, we can get you down payment assistance and we can use the voucher and XXXX XXXX that you mentioned to her that you got a new voucher for more essentially is that correct... '' then XXXX sent a follow up text from her phone XXXX on XX/XX/24 " XXXX XXXX, just left you a message. Our company has an overlay where we can not use the voucher unfortunately. We can help you with the down payment assistance, but you would have to have income outside of the voucher to qualify. Sorry the news isnt better, but if something changes on your end, just let me know. " On her voice message she stumbled and stuttered her way through stating the same with a lot of UMs in between. This encounter appears to be furtherance of FHA violations and the ECOA denying a mortgage prior to filing another application after XXXX denied the first application, based on the type of income being a HUD homeownership voucher. It is also indicative of the reason for XXXX requesting additional time on the first two complaints to respond. It appears they have no intention of ever responding and no intention to adhere to any applicable law or to reverse any of the discrimination they've subjected me to, which if reversed, would cure their ongoing discrimination against me and deprivation of rights under the FHA, ECOA and HUD Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
Usaa continues to lock me out of my account beginning in early last week. They sent a text message while I was on a call with a team member from Usaa address a dispute stating they were restricting my outgoing transactions for fraud activity. Prior to speaking with the current representative at the time I was fully verified and was transferred to the representative who exemplified poor customer service and male representative ifentifying himself self as a chief petty officer for this bank. In several repeated occasions and continuing to this fate my account access and the ability to service my account has been denied and I have reported these concerns to XXXX on the advocacy who refused to investigate the issue. This evening at XXXXXXXX XXXX my account acccess was revoked again for the same said security flag for unauthorized access to my account for something from XX/XX/XXXX & XXXX XXXX I spoke with XXXX AND XXXX From the security team whom verfied who I was and sent a code to my phone to validate I was the indeed owner of the account. I was refused to speak with a supervisor and Im still without access to my account. I continue to be harassed by members of this bank from various departments and my account continue to be tampered with by the same. The lied and stated it was an auto lock on my account by the same for alleged security breach on my account for something that occurred approximately a month ago as of XXXX XX/XX/year>. XXXX proceeds to request me to provide him security codes to my account from previous request and versus him doing his job to validate when he then reviewed my account showing I had spoke with several members on this date with no problems access 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 2024-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed some inaccuracies and unauthorized account/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I was invited to start a " hotel optimization job '' in where money was transferred to a crypto in return of a daily income. When it came to withdraw the money was un-retrievable. I immediately took action where in fact I was told it was a scam. I filed a fraud complaint with my institution where an investigation was done on two wire transfers and was denied my 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
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FMA Alliance, Ltd.
State: NC

Complaint narrative:
FCRA 15 USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This collection agency has violated FRCA 15 USC 6802. I was never given the opportunity for non disclosure option in any shape or form. Not only is XXXX XXXX continuing reporting inaccurate information AGAINST MY WILL.This has completely violated of my consumer privacy rights when they allowed a 3rd party ( FMA Alliance ) to obtain my confidential personal information.This collection agency has engaged in false and misleading practices violating FDCPA 807 and providing misleading forms violating FDCPA 812.This matter has effected my privacy and cause defamation of my character. This Agency had repossessed my car violated my rights under 15 USC 1692F. When They released my information and privacy to a repossession company. This agency recently had been in a lawsuit for violating 15 USC 1692 F.I asked for this to be resolved by removing this negative remarks OFF my credit report with all 3 credit bureaus as I the " consumer '' have NOT authorized XXXX XXXX to report ANYTHING on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1400.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Formal request via certified mail was sent to Navient on XX/XX/XXXX to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to Navient resulting in partial payments. Prior to XXXX 's security breach, we made overpayments to our Navient account from XX/XX/XXXX through XX/XX/XXXX and NEVER had a late or delinquent payment. 

XXXX 's security breach occurred in XXXX and lasted for weeks. My wife contacted Navient and explained our dilemma with the understanding that our telephone call on XX/XX/XXXX was noted with an extended grace period. We were surprised to find that the grace period was not extended and that Navient falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account was paid in full as of XX/XX/XXXX. 

We asked Navient to amend and provide a good will adjustment to XXXX, XXXX and XXXX for the aforementioned reasons. 

On XXXX XXXX, XXXX @ XXXX, Navient Customer Advocate, XXXX XXXX offered to provide a one-time courtesy to amend our credit report if we provided proof that payment was initiated via Bill Payer on or before XX/XX/XXXX. Proof was enclosed via email ; attachement included voice-mail transcript from XXXX XXXX stating as such and bill payer payment made XX/XX/XXXX. Navient continues to be evasive and disingenuous to resolving our request to addend our credit report. We would appreciate your help in resolving the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief