vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I bought a house in XXXX and was approved for a credit card in XXXX. Both through Navy Federal Credit Union. I commissioned in the XXXX XXXX. Was approved for SCRA in XXXX. Last year, Navy Federal Credit Union sent me a letter stating that they were ending my SCRA on all accounts due to the end of my XXXX XXXX status. After contacting NFCU, I was told that I had to reapply. I reapply in XX/XX/XXXX. It is now XX/XX/XXXX and I am constantly told that I either need to send updated orders, my application is being reviewed or its with a writer. My interest rate on my credit card has increased above 16 %. Reading the CFPB site, it says that even after I am complete with XXXX XXXX status, the rate is not supposed to increase. I am currently still XXXX XXXX status and I have provided all orders stating this. I have also requested to speak to a supervisor on XXXX XXXX. It is now XXXX XX/XX/XXXX and no one has returned my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 
Thanks, XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX  XXXX Account name : XXXX XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 15 U.S.C. 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 reasonable 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 non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I wrote a check to my vendor which I have a copy of that check. My vendor stated they had not received it yet. So I wrote another check on XX/XX/XXXX for the same exact amount paying for the exact same invoices figuring our vendor would receive them both and credit our account. I like be on-time with all of my payments. This is why I have great credit. Someone washed this check and was able to cash it at Morgan Chase Bank in XXXX, California per the police investigators report. Chase bank was able to get the money back therefore my bank XXXX XXXX refunded me that money for {$23000.00}. The second check got washed and cashed as well during the same time with a different name and cashed at a Morgan Chase bank in XXXX, California. The Police investigator was not able to get any information in regard to this check. The bank was not being cooperative. I have a copy of that check as well with the way I wrote it. That check was washed and cashed. In tears I went to one of the Chase banks in XXXX and the manager said they can not give me any information for the person that cashed it since I do not have an account there. My argument is that this person that washed my check has to have a bank account there, the bank has to have all of his information. I, myself can not just cash a check in that huge amount without having a bank account in my name right? For this criminal to be able to wash and cash a check in the amount of {$23000.00} is just wrong. I want to press charges on this person and Morgan Chase bank for allowing this person to cash this check without the bank stamping it. I feel Morgan Chase bank might be in on this scam since they cashed both checks. The only information I received from my bank XXXX XXXX in XXXX, California is this criminals routing # XXXX at Chase. I am a hard working citizen that was not only scammed once but twice. The bank Morgan Chase wants to protect these fraudulent people. There should be consequences for them. I should not have to suffer like this. My son fought XXXX and it was stressful for me. I do not need this extra stress. Nor do I need to lose this kind of money. This has to stop. Please, Please, Please help me. I'm begging you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
PLEASE BLOCKED AND REMOVED. 
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I pulled a copy of my credit report and noticed Fraudulent information that needs to be delete immediately. Also, personal information that needs to be updated. 
Pursuant to 15 USC 1681c-2 and 15 USC 1681s-2 these items need to be immediately DELETE AND UPDATED. Please see the ATTCH FTC Complaint XXXX. Thank you. 
These ITEMS NEED TO BE DELETED AND UPDATED WITHIN 4 BUSINESS DAYS OF RECIEPT OF THIS LETTER PURSUANT TO 15usc 1681C-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pulled a copy of my credit report and noticed Fraudulent information that needs to be delete immediately. Also, personal information that needs to be updated. 
Pursuant to 15 USC 1681c-2 and 15 USC 1681s-2 these items need to be immediately DELETE AND UPDATED. Please see the ATTCH FTC Complaint XXXX. Thank you. 
These ITEMS NEED TO BE DELETED AND UPDATED WITHIN 4 BUSINESS DAYS OF RECIEPT OF THIS LETTER PURSUANT TO 15usc 1681C-2

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 2024-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have requested to do an assumption through divorce to remove my ex husband from the note/loan. They are refusing by saying they cant do an assumption because I am already on the loan. This is inaccurate as I already started the process with previous lender and then I was transferred to SPS and they say an assumption will not remove his name. They need to abide by the terms of the original mortgage which is through XXXX. XXXX said they do allow assumptions through divorce when both parties are on the loan and title to remove one spouse off the loan. The proof is in the divorce decree. My ex husband left me the home free and clear with no interest to him. I sent them the divorce decree as evidence but are refusing to assist me in this process. I have a great interest rate of 3.875 % and can not afford to refinance at this time as it will double my monthly payment with an interest rate of 7.5 % currently. They are leaving me no choice but to sell my home and have nowhere to live. I cant afford even a small apartment at the current rental rates or to buy something smaller with such high interest rates. I will be homeless. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I identified several incorrect addresses listed on my reports from all three major credit bureaus : XXXX, XXXX, and TransUnion. These addresses are : I disputed these addresses with each credit bureau via certified mail on the same date ( XX/XX/year> ) and requested their removal in accordance with the Fair Credit Reporting Act ( FCRA ). While all three bureaus responded within 30 days, they all denied my request. 

The presence of these inaccurate addresses on my credit report is a violation of my right to privacy under the FCRA and could negatively impact my ability to obtain credit and other financial products. Additionally, having my personal information, including future credit offers, sent to addresses where I don't reside is a significant security concern. 

In my dispute letters, I included copies of documents verifying my current address, such as a valid government-issued ID and a recent bank statement. 

I request that the CFPB investigate this matter and ensure the credit bureaus comply with the FCRA by removing these inaccurate addresses from my credit report. I appreciate your time and attention to this 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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2024, I identified several incorrect addresses listed on my reports from all three major credit bureaus : XXXX, Experian, and XXXX. These addresses are : I disputed these addresses with each credit bureau via certified mail on the same date ( XX/XX/2024 ) and requested their removal in accordance with the Fair Credit Reporting Act ( FCRA ). While all three bureaus responded within 30 days, they all denied my request. 

The presence of these inaccurate addresses on my credit report is a violation of my right to privacy under the FCRA and could negatively impact my ability to obtain credit and other financial products. Additionally, having my personal information, including future credit offers, sent to addresses where I don't reside is a significant security concern. 

In my dispute letters, I included copies of documents verifying my current address, such as a valid government-issued ID and a recent bank statement. 

I request that the CFPB investigate this matter and ensure the credit bureaus comply with the FCRA by removing these inaccurate addresses from my credit report. I appreciate your time and attention to this 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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I, XXXX XXXX assert my rights under the FDCPA and FCRA. My privacy, protected by 15 U.S.C. 1681 ( a ) ( 4 ), has been violated without my authorization as required by 15 U.S.C. 1681b ( 2 ). My credit card, as defined in 15 U.S.C. 1602, was used without consent & no benefit. Under 15 U.S.C. 1681s, your organization must act. XXXX, TransUnion, and XXXX have failed to maintain accurate data per 15 U.S.C. 1681i ( b ). Due to erroneous information and the transaction being no benefit to the consumer, I filed an identity theft report. As per 15 U.S.C. 1681c-2 ( e ), these inaccuracies must be removed within four days. Unauthorized use of my credit card, violating 15 U.S.C. 1602, provides me no benefit under 15 U.S.C. 1681s. This letter urgently requests the removal of these accounts from my credit report : XXXX XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX {$8100.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I've already complained to the U.S. Dept. of Education 's OIG regarding the fact that my Total and Permanent XXXX Discharge was approved back in XXXX BUT I NEVER GOT A REFUND OF THE GOOD FAITH EFFORT PAYMENT 'S I MADE TO THEN XXXX XXXX, AFTER THE TOTAL AND PERMANENT XXXX DISCHARGE WAS APPROVED! 
It doesn't " help '' that I did have an XXXX " free '' life line cell phone that was DISCONTINUED, AFTER I GOT SCAMED BY THE " XXXX XXXX XXXX XXXX OFFERING ... '' unlimited data and free wi-fi. '' Considering that I am a XXXX  recipient-beneficiary whose XXXX Benefits are... WAY BELOW THE U.S. D.H.H.S . POVERTY GUIDELINES FOR A ONE PERSON HOUSEHOLD, ALSO RECIEIVNG S.N.A.P. & MEDICAID, ( MIND YOU I'M " supposed '' TO NOT HAVE TO PAY OUT OF POCKET FOR CELL PHONE SERVICES ' ... NELNET IS NO DIFFERENT THAN XXXX  THAT CLAIMS TO BE " XXXX XXXX, '' OVER THE TELEPHONE! I ALREADY COMPLAINED TO THE F.C.C. ABOUT THAT, BUT THE POINT TO BE MADE ... SINCE NELNET WON'T PUBLICLY PROVIDE ANY CUSTOMER SERVICE CONTACT INFORMATION, ( DUE TO THE FACT THAT THEY'RE READY TO BE SUED FOR THE CRIMINAL BEHAVIORS ' ON THEIR END, ) " XXXX XXXX QUESTION '' TO BE ANSWERED IN ANY U.S. COURTS FEDERAL DISTRICT COURT ( S ) ' ... WHY DIDN'T I RECEIVE MY REFUND CHECK? HOW MANY PEOPLE BORROWERS ' HAS THAT HAPPENED TO? 

NELNET BETTER BE READY TO MAKE A SETTLEMENT OFFER, UNLESS THEY CHOOSE TO GO TO COURT ... WHAT DOES THE U.S. ATTORNEY GENERAL DESIRE? THE EXECUTIVE U.S. ATTORNEY?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX  Has a delinquent account on my credit reports. I have never received any services and or goods from this company and is not responsible for this account because it was opened fraudulently without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has a delinquent account on my credit reports. I have never received any services and or goods from this company and is not responsible for this account because it was opened fraudulently without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALPHA MIDCO INC
State: TX

Complaint narrative:
This company is reporting that they hold an account I am delinquent on that is in collections. The originator was a medical professional. I am a XXXX veteran and I only use the XXXX  XXXX and would not have a medical bill. I disputed this through a credit bureau and XXXX XXXX XXXX changed the originator. I disputed the collection again through the credit bureau and XXXX XXXX XXXX. verified that my dispute was accurate but then updated the report to show that the collection was delinquent again. At this point, I feel this company is harassing me through inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name XXXXXXXX XXXX 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 2024-05-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Commercial Mortgage Consultants, Inc.
State: WI

Complaint narrative:
I reached out to Commercial Mortgage Consultants , Inc. about applying for a commercial loan. They told me in order to look at an application I would need to wire them money. I thought it was weird but I did it. Then they collected my information and send me a letter approving me for the loan and asking for me to wire more money. I thought it was weird because they had many costs that are typically handled at closing but I wanted to get the ball rolling so I sent the wire. One week prior to closing I get a call from XXXX XXXX with Commercial Mortgage Consultants , Inc. saying that I was not approved and was never approved and that they don't even lend on properties like mine, mind you I have provided them with all documentation about this property and was approved already and even explained it to them over the phone when they were asking me to apply and ensured they would be able to help. I asked them about all the money that I had wired them and why they would collect all of that and say I was approved when I wasn't. They coerced me into applying so I would pay the initial fee and then continued to collect fees then never lended and tried to gaslight me into thinking I was never approved when I have a signed document from them saying I am approved. They then said they were going to get me connected with a hard money lender but there would be more fees. I told them no I want my money back. They have since never responded to any of my attempts to get my money back which is thousands of dollars.

Company response to consumer: Closed with non-monetary relief