vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a notification in regards to my credit report from Transunion and XXXX. The notification told me that my credit scores had decreased by XXXX points with Transunion and XXXX points with XXXX, because my vehicle loan balance decrease by {$450.00} due to me making a payment on time. When I called TransUnion to find out why they decreased my score due to a on-time payment he told me they decrease my score because of a late payment from over a year. They penalized me and decrease my credit over a year ago when I had the late payment, but now I have been paying on time the correct amounts, and they have decreased my score again. This is very frustrating as I have worked very hard to try to get my credit back up. I can understand being penalized for being late or missing a payment and making my score go down. But to decrease my score by so many points, because I made a payment on a loan on time and correctly is not okay.

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 2023-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
RETALIATION BY THE COMPANY FOR FILING COMPALINT WITH CFPB My credit card was erroneously reported by the Comenity Bank for delinquency. I filed a complaint # XXXX with CFPB, that was forwarded to the company by CFPB. Comenity Bank retaliated against me by closing my account. The reason was cited as : The customer requested for cancellation of Credit Card. I never requested for cancellation of the credit card. I merely requested the company to fix my credit report. But they retaliated by cancelling my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: SC

Complaint narrative:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

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 2023-10-04 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I am a huge XXXX XXXX consumer. I love the store. I have their close loop store credit card that I use weekly. I signed in to pay my monthly credit amount. The store card showed I had a XXXX balance, which I knew was not accurate. It took me a while to figure out that there was a drop-down arrow. When I clicked on it I could see a Visa account that showed my balance on it. I do now have a XXXX XXXX XXXX. I have declined every time the cashier has asked me to open one. I have worked very hard to keep my spending in check and keep my credit score high. I do not want another Visa. But there was a Visa account in my name with a balance on it. To make matters worse, I clicked on it to pay it and a big XXXX XXXX came up that said I have NO MINIMUM AMOUNT DUE. 
I am furious. The interest rate, like all credit cards, is high and I would have fallen for this. 
I called Citi Bank to discuss this and got nowhere. They said I was sent a letter saying this was going to happen. I never received such a letter. And I was never sent a card ... which is even weirder. It shows xxxxxxx on the online statement account so I can't even provide you my account number as requested on the next page of this complaint. 
I hope you can look into this. Seems very sketchy.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mortgage loan with Shellpoint NewRez was in forbearance from XX/XX/XXXX through XX/XX/XXXX. At that point when it ended, I was assigned a SINGLE point of contact by the name of XXXX XXXX. He initiated me to contribute forms I needed for loss mitigation to assist with mortgage payments. I have sent forms to them multiple times, 2 to be exact via fax and they somehow never received them. I have had to send forms via fax and mail, for them to only say they don't have it. Fast forward to XX/XX/XXXX, XXXX received the documents and starts his review. XXXX was aware I had an alternate address but did not tell me that I needed a letter or explanation. He also had me send the wrong documents for the wrong program. They stated via phone that XXXX had placed me in the wrong program. For months we are attempting to apply to a program that I was never to be placed into. XX/XX/XXXX, I sent another letter detailing explanation of address, and emailed XXXX to please tell me if anything else is needed as he stated before nothing else was needed. After complaining and changing out point of contacts to XXXX XXXX, they approved a loan modification XX/XX/XXXX. I say this all to say they have reported late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was dealing with someone, an employee of theirs ( XXXX XXXX, who not very helpful or clear on which program he had placed me in. It took the higher ups to step and state how XXXX did not have his best foot forward in my situation causing confusion and my payments to be marked as late. I later one sold the home in XXXX, however, these late payments are affecting me tremendously. I have tried to speak with the supervisors in Loss Mitigation and to no avail, they will not talk to me. I no longer know where else to go. I want to sue them as of now if I can not get them to correct the late payments as an offer of good will, due tot he mistakes of their employee that was not properly trained.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: Nelnet, Inc.
State: NY

Complaint narrative:
My federal student loan servicer is Nelnet. My federal student loan repayment was due XX/XX/2023. I set up AutoDebit on my account on XX/XX/2023 and received a confirmation email. On XX/XX/XXXX, I checked my Nelnet account on XX/XX/2023 and saw a message that said that my account was past due. To avoid any issues, I paid the balance due because I was under the impression that the Auto Debit did not go through. On XX/XX/2023, the balance due was taken from my bank account. I checked my bank account again on XX/XX/2023 and saw that a duplicate payment was also taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone tried to open a Chase Freedom Credit card using my I formation on XX/XX/2023. The card was declined. I received a notice that my credit was pulled from XXXX  and chase the next day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-04 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: FL

Complaint narrative:
In according with the fair Credit Reporting Act XXXX  Account : XXXX XXXX,. XXXX  on XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX XXXX, XXXX, XXXX XXXX  on XXXX XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/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 furbish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: SC

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
Wells Fargo closed my checking account as inactive. It has nearly {$18000.00} on deposit, over {$1000.00} auto deposit monthly from XXXX XXXX, and several monthly auto payments. I have tried to email and call from XXXX using land line and appropriate codes yet only get busy signals and email is rejected. The communication problems are identical to previous complaints but the closing of my account without warning or explanation is outrageous. This is an emergency.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a complaint against Flagstar Bank ( # XXXX, see attached ) regarding their Partial Release process, and that it was the reason a property sale fell through. I had a contracted buyer that backed out after 3 months of extensions to a contract that began in XX/XX/XXXX, and still no Partial Release from Flagstar Bank. 

When I checked the status of my complaint on XX/XX/XXXX, the CFPB had closed the case because Flagstar Bank stated there was an unauthorized 3rd party involved. The CFPB agent ( XXXX ) that I spoke to reread the complaint to determine if there was actually a 3rd party included in the in my complaint. He verified that there was no 3rd party indicated in the complaint, only me and Flagstar Bank. The CFPB agent then suggested that possibly Flagstar Bank thought that I had not personally written and submitted the complaint. I find that a little insulting, considering they know nothing about me personally. However, I did write and submit the original complaint by myself, and sent Flagstar Bank an email stating so. The agent also suggested that since I had a name change ( I remarried during this long-drawn-out process ), that I attach a copy of my DL, marriage license, and a handwritten statement that I am the only person involved in writing and submitting the original complaint against Flagstar Bank. All of those documents are attached, as well as a copy of the original complaint and attachments that were submitted on XX/XX/XXXX. 

Please consider this an addendum to the original complaint. I still contend that Flagstar Bank 's unreasonably lengthy Partial Release process was solely responsible for the loss of a property sale with a contracted buyer. Please see original complaint for details regarding Flagstar Bank 's Partial Release policy, how it has impacted me, and my proposed resolution. 

Thank you for your assistance in this matter, it is greatly appreciated.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am writing to file a formal complaint against LexisNexis regarding inaccuracies in my credit report. On XX/XX/2023, I submitted a dispute letter to LexisNexis highlighting two significant issues : Incorrect Personal Information : My credit report contains incorrect personal information that does not accurately represent me. 

Inaccurate Public Record : There is a public record listed under the name " XXXX, XXXX. '' This name is not the correct spelling of my name, and the information associated with this record is inaccurate. 

I have made every effort to rectify these issues with LexisNexis, but to date, no action has been taken to correct the inaccuracies. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that credit reporting agencies maintain accurate and up-to-date information. The inaccuracies in my credit report are not only damaging to my financial standing but also a clear violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Today, I am writing this complaint to JPMCB AUTO regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a letter from Bank of America dated XX/XX/XXXX telling me that the account was closed bc I didnt follow certain guidelines. I called to inquire about the remainder of funds that was in the account and they told me I would get it whenever they finish their investigation which has no time limit. I have sent them documentation to prove that the funds are legitimately my funds and still they have yet to release my funds which is over {$10000.00}.

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 2023-10-04 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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