vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management
State: FL

Complaint narrative:
Amerifinancial Solutions placed a medical debt on my credit report. I was never contacted by them via mail or phone. I only learned of the debt through checking my credit report. This debt was never validated so I had no assurance of the debt being accurate. I need my credit so I paid the debt, and told them that I need it deleted from my credit as it is harming me and is an impediment to me obtaining financing for the purchase of a new home. The company would not comply when asked for their company address or to speak to a supervisor. I was assured that it would be deleted once paid, but was not given any information or confirmation after it was paid. I asked for a letter and they told me it would be sent in the mail. I havent received it and it hasnt been deleted. When i spoke to an agent I was treated rudely and hung up on when I asked to speak to a supervisor. They said they dont have any live supervisors to speak with and I would have to wait XXXX days to be contacted and it wasnt guaranteed when or if they would contact me. Their policies are terrible, and dont protect the consumer. There was no guarantee whether or not I was being scammed or not, but out of my need to get this off of my credit immediately I paid it. Now the company wont even comply with what I have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX XXXX, 2023, XXXX contacted me stating that someone ( JPMCB ) had looked at my credit report. At the same time, we received an email stating that someone had completed a request for a credit card in my name from the same company. I did not initiate any of this. 

XXXX put us into contact with people from JPMCB. They needed a social security number to find the credit card application, which was filed online. When this was located, they canceled the application. 

XXXX then put an alert on my credit report through XXXX. 

At this time, I do not believe I lost any money. However, it appears my personal info was compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
In approximately XXXX XXXX XXXX XXXX XXXXXXXX. I, ( XXXX XXXX ) started making the mortgage payments on this home located at XXXX XXXX XXXX. At that time, the mortgage company was Principal Residential Mortgage out of XXXX XXXX Iowa. The loan was in XXXX XXXX XXXX 's name. I had been granted permission by him in writing to communicate on his behalf regarding this loan. This loan has been serviced by many mortgage companys over the last twenty four ( 24 ) years. XXXX, XXXX, XXXX XXXX and now Newrez. I have kept these mortgage payments paid and insurance secured for this home ( in good standing ) for all of these years. The insurance was with American family for years and I changed insurance Companys a few years ago to XXXX. The insurance premiums has been paid through escrow. I received a letter from my insurance company XXXX stating that the premium had not been paid by Nerez Mortgage Company out of escrow and is going to lapse. Which by the way, I, XXXX XXXX have not missed any mortgage payments and was completely in good standing. I called Newrez to inquire about why they had not paid the insurance premium. They refused to talk to me and said i did not have authority to speak about this Loan number XXXX. In the mean time, Nerez sent a notice dated XX/XX/XXXX stating that they have not received proof of hazard insurance ( absolutely not true ) for this property and it has become necessary to place lender-placed insurance coverage on this property. The mortgage payment has been {$1100.00}. Now, our XXXX statement comes in the mail and they ( newrez ) is stating that our amount due for this month is {$2300.00}. This is a very serious issue and needs to be addressed. I have spent hours on the phone talking with different representatives at nerez mortgage company over the last few months. On numerous occasions the representatives told me that they would have a supervisor call me to get this resolved. This has not happened. The latest calls from me ( XXXX XXXX ) to nerez. i spoke with XXXX, XXXX, and others. They told me that all I need to do is e-mail confirmation of XXXX XXXX giving me permission to communicate regarding this loan and some one would be in contact with me within XXXX hours. I have sent multiply e-mails to different e-mail addresses starting XX/XX/XXXX th XXXX and still, I have not received any correspondence regarding this issue. Please help me!!!! Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Two accounts are showing up negative, and continue to report negatively, when I did a debt consolidation, or debt settlement with a company years ago ... XXXX The company was called XXXX XXXX... And I paid the debt off thru them. WHen i call the creditors, it says I have a XXXX balance, however still affecting me very negatively and still appearing to report for months now and years afterwards. 

The Comenity My Place Rewards, balance of {$290.00} paid off and XXXX which is also Comenity Bank, balance of {$970.00}. Both paid off before XXXX. 

Everytime I call the companies, I am reassured there is a XXXX balance yet it is still reporting negatively. Please HELP : (

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I obtained a refreshed copy of my credit report today and noticed that there are multiple fraudulent inquiries that are possibly hurting my chances at obtaining credit. I did not authorize these companies to inquire into my consumer report so I believe this is identity theft in progress. The inquiries in question are as follows on my consumer report : XXXX XXXX XX/XX/2023 Experian XXXX XXXX NA XX/XX/2023 Experian XXXX XXXX XX/XX/2023 Experian XXXX BANK XXXX XX/XX/2023 Experian Transform Credit XX/XX/2023 Experian

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 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet is charging daily interest on my loan after I applied for XXXX plan and was approved back in XXXX. Currently has me on standard repayment and has failed to process my XXXX application in a timely manner. Keeps putting me on administrative forbearance and applying interest to my loan. Two hour hold times to speak to customer service. This should be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently noticed 2 accounts on my credit report that are reporting innaccurately. They need to be removed immediately. These items also were never verified with me so they should have never been furnished to my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was temporarily XXXX and hired a personal driver wo ended up spending {$9300.00} on my XXXX Bank of America which i provided complete detail including the driver 's name, address and SSN #. BofA claims that the charges were legitimate which they were not. 

I've gone to VA Attorney General and he directerd me to you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
None of your choices were the correct choices per my problem. My problem is that Equifax dropped my score by XXXX points from XX/XX/2023 to XX/XX/2023, and per their own information that I have included on the attached document, the only change was that my credit card went from {$0.00} to {$150.00}. That is only using 13 % of the credit utilization for that card. It seems to me that has to be a mistake. Equifax does not give you any way to make a dispute with them online so I am going through CFPB instead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
called all companies involved. All removed from credit report. But they keep coming even with the credit reporting companies putting a freeze on my info. the keep trying even with the same cards. need my life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: VA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there were inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX dated XX/XX/23 indicates XXXX, XXXX received your XXXX XXXX XXXX ( XXXX ) plan application from XXXX. 

I see the account is past dues. How can it take more than XXXX business days to process a application so my account would not be past due?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i did not authorize these inquiries on my report and i would like these fraudulent accounts to be deleted As Soon As Possible

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 2023-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We paid off a commercial mortgage and received a letter from Wells Fargo dated XX/XX/XXXXXXXX  to contact our private banker if we would like coopy of the recorded release. We did so and tried on numerous occasions to get a copy sent to no avail. We tried again on XX/XX/XXXX and spoke to XXXX in the wealth management department and she said this is for personal mortgages. She switched us to XXXX XXXX in the mortgage services department. She was not able to help and she switched us to XXXX in the commercial mortgage department. Guess what ... ..she couldn't helpand she switched us to XXXX in XXXXhe small business premier department. You guessed it ... .she couldn't help and she switched us to XXXX in the home equity department. She couldn't help and I told her unfortunately I am left with no choice but to file a complaint in order to get a copy of the recorded release. Thanks for your help!

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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: NY

Complaint narrative:
I've had a Discover credit card since 2020, so well over 3 years. I've never missed any payments, and my credit score is very fair ( actually it is over XXXX ). I applied for a new credit card with them on XXXX XXXX. I even called to verify my identity, because I have a credit freeze on my account, and everything was fine. My card was subsequently sent out a day later. However, I received an email on XXXX XXXX, asking for information regarding my income taxes. The email also stated that " my account would be on hold " until I signed the document for them to essentially audit my tax returns, or closed if I refused to sign it. No one ever called me ( I did receive two AUTOMATED phone calls, but no live person was available to speak with ), regarding this completely inappropriate and invasive request. Discover HAS never, neither has any of my other banks, asked me to do such a thing with the threat of an account closure. I am puzzled as to why my account is on hold, and why my income is relevant to my account. It is in good standing, and current. I am going to file a complaint with the attorney general and reach out to the news channel if nothing is done to correct this border line criminality.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: World Acceptance Corporation
State: AL

Complaint narrative:
It came up on my credit report that I got a car loan for XXXX XXXX a month 45 months to pay and I do not have this car it was purchased XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
back in 2019, i had returned the automobile back to wells fargo on my own because i was a hardship and could not afford the payments because my wife was sick and not working. i was the only one working in my family. i had also sold my home that year because the medical bills was piling up. 
wells fargo had closed this account. 
for 4 years this account was closed. in XXXX, they had opened the account again and my credit ratin had dropped XXXX points. 
because of this, i can not find a place to live and my family will soon be homeless

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint against TransUnion regarding their handling of my recent credit report dispute. On XX/XX/, I submitted a dispute letter concerning two specific items : a XXXX  XXXX Bankruptcy with Reference # XXXX and a paid charge-off account under the name XXXX XXXX, with the account number XXXX. My concern arises from the responses I received from TransUnion, dated XX/XX/, and XX/XX/XXXX XXXX  both of which accused me of using an unauthorized third-party and subsequently declined to investigate my disputes. Astonishingly, this pattern of response is consistent with a prior dispute I submitted on XX/XX/. What deeply troubles me is that, despite my multiple attempts spanning over six months to resolve these credit report inaccuracies, TransUnion has consistently delayed or refused to investigate, despite the disputes being submitted directly by me and my diligent provision of identification documents, including copies of my ID, proof of address, and social security card for proper verification. Given this persistent lack of response and action, I am left with no recourse but to demand the permanent removal of these two items from my credit report. Furthermore, I wish to provide additional context regarding the XXXX XXXX Bankruptcy with Reference # XXXX. This entry is notably incomplete, lacking essential information in the Asset Amount, Liability, Exempt Amount, and Remarks fields, rendering it unreliable and misleading. Additionally, I've taken the initiative to contact XXXX, the vendor employed by TransUnion to obtain public record information, only to discover that they are unable to authenticate my identity or locate a record for me. This raises serious questions about how TransUnion can continue to report this bankruptcy on my credit profile. Furthermore, my repeated attempts to contact XXXX XXXX since XX/XX/XXXX  have yielded no response, rendering the information regarding this account unverifiable.

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