vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is violating my rights as a consumer. In accordance with the Fair Credit Reporting Act, reporting information regarding checking account ending in XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. section ( a ) ( 5 ) states : ( a ) Information excluded from consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 

On XX/XX/XXXX I sent a letter to B of A requesting copies of all documentation and information regarding account ending XXXX. I received a letter in the mail that simply stated their investigation had been completed and information was updated. They did not attach anything additional as I asked. 

They had reported incomplete, unproven, and or inaccurate information to both XXXX and XXXX XXXX XXXX about me and this account. Regardless of their inaccurate reporting practices they are in violation of my rights as I have stated above. 

I have attached a copy of the original letter that I sent to B of A which explained in detail what happened to me as well as a request for documentation that would have helped me understand why my account was closed in the 1st place. They failed to provide me with that documentation. 

I have also asked for both XXXX and XXXX XXXX XXXX to investigate this matter. Both came back and stated that their investigation with B of A has been completed. This account remains on my consumer disclosure with both companies. I also never gave them written instructions to furnish information about me. They are both also in violation of my rights. 

I have attached copies of both of their response 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 non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Name : XXXX XXXX Incorrect Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX, Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
After careful examination of my credit report from both XXXX and Equifax, I noticed several inaccuracies and notified XXXX and Equifax. My original request to challenge the accuracy of information report on my credit report was mailed to XXXX XX/XX/2022, certified mail, article # XXXX XXXX XXXX XXXX XXXX. Since I hadn't received a response, I then mailed another letter dated XXXX Then I mailed follow-up nonresponse letter dated XX/XX/XXXX. To date, I've yet to be notified an investigation was performed on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
EQUIFAX is both falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I am being billed after the account has been closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : XXXX. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : XXXX XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.

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 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America problem with my XXXX XXXX. I do not have a XXXX XXXX with Bank of American. This is number they called from 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 2022-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was attending XXXX XXXX XXXX XXXX and was suddenly dropped due to " attendance '' when I've only missed a handful of times while enrolled almost a year. I completed XXXX hours then the school closed due to fraud. I tried submitting paperwork to get loan excused with no success. Several friends who I attended with got excused. I was charged full tuition as if I finished school. I then try to transfer hours so I wouldn't take a loss and other cXXXX XXXX  only accept XXXX hours which is a loss for me. I would be charged tuition again and have to redo hours. Please look into this matter and help me removing this loan .... I'm now desperate because it's been on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Got a phone notification that I had applied for credit with XXXX XXXX XXXX, and have not. Called them and they said that they will canceled the application and for me to contact this web site to stop this from happing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a XXXX account on my report that is not mine. I was a victim of identity theft and made a police report ( approved ). There should be no reason why this is still on there. 

My rights have been violated through the Fair Credit Reporting Act .... 

XXXX # XXXX XXXX XXXX Section 602A states I have a right to privacy 15USC 1681 Section 604A sec 2 states a consumer reporting agency can not furnish an account without my written instructions or consent. 

Please honor these laws by simply deleting this fraudulent account ... this does not need to escalate to the court.

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX ACCOUNT XXXX XXXX is 30 days late on my credit report On XX/XX/2017. 

This is a false claim as this payment was not 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I applied for the XXXX XXXX  XXXX on XX/XX/XXXX and the application is still processing. I have received different answers from the WI program XXXX. US Bank has it listed on their website since XXXX but apparently they are not part of program. The WI XXXX program administer stated they have been trying to work with US Bank and she is " working on some work arounds '' but has not been clear as to what that means. This process has taken over XXXX weeks now for an emergency program that doesn't seem right. US bank served papers on XX/XX/XXXX for foreclosure and when I called them I was confused because I was in loan modification process along with the HAF application. US Bank told me to just " ignore ''. I applied for mediation and they are waiting on US Bank XXXX to respond.

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 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2022 I deposit a XXXX XXXX check in our account through the ATM. The check was for a refund from a money order in the amount of {$480.00} XXXX  # XXXX & {$480.00} MO # XXXX. Total of both checks was {$970.00}. Wells Fargo stated the checks had a stop payment on them and the funds were not collected. My account will close due to fraud on XX/XX/2022. I reached out to XXXX. A female representative repeatedly says the funds were available. I received a copy of the cashed money order showing the funds were paid. I called Wells Fargo again on XX/XX/2022, explaining what XXXX sent me. The representative insisted the checks were fraudulent. Wednesday, I sent copies of the checks to XXXX and asked them to waive the processing fee, because my account was closing due to the checks being fraudulent. I asked a for a XXXX or supervisor to call me or at least email me. I received nothing. I still have outstanding checks that XXXX insisted they couldn't cash due to a stop payment order placed on them. Here are the other XXXX money order numbers XXXX  # XXXX Amt {$500.00}, XXXX  # XXXX Amt {$50.00}, and XXXX Amt XXXX. Please have the fee waived on all XXXX money orders and include {$30.00} additional fee for the previous money order that caused my account to close for 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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
A collection account under the name XXXX XXXX XXXX has show up on my credit reports. It says it is for XXXX XXXX which I have never done business with. I never received a letter giving me 30 day notice of the debt. I have called and they where asking for more personal information from me I was unwilling to give. I am in the middle of a mortgage refi and this is holding up the process and needs to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc.
State: RI

Complaint narrative:
Sofi send response you have check my id intelegence check Id was occurred because lost my residence and driver license I need proof this investigation because my name is already change never opened account with your company never received validation of proof this debt under doctrine I lf you have. proof selfi send me proof this picture and driver license yor scam because not s correctly I dont accept this result trying several time contact us and dont received your proof nothing you have my information because lost everything is match in otherwise account yo say is opened fraudulent ready close for XXXX XXXX XXXX Need proof all your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/2020 Balance : {$6000.00}

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 non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint to TransUnion was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employers : XXXX XXXX LA XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
My home is worth approximately {$500000.00}. Yet when I negotiated my mortgage with the the investor, they did not follow any federal guidelines when the put a balloon payment at the end of my mortgage in the amount of over {$240000.00}. along with a XXXX XXXX  of {$430000.00}. Totaling {$670000.00}. This would bring the loan into Respa and Tila violations as it currently stands. 
I retained XXXX XXXX XXXXXXXX XXXX to negotiate and come up with a reasonable solution for a short sale, have a buyer in place with a HUD 1 provided as well as Community Loan Servicing, Contact XXXX XXXX. XXXX XXXX has tried to contact XXXX and her XXXX to negotiate a short pay with the current investor. XXXX XXXX and her XXXX XXXX XXXX. They apparently have not informed the investor of this situation. It is not in line with guidelines to not inform the investor of a short pay offer for a troubled asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I contacted XXXX at Synchrony where I have my XXXX credit card for HSN on XX/XX/22 for help lowering my interest rate of 26.99 % since I can no longer afford the XXXX of {$200.00}. He was a XXXX and told me they are not reducing interest rates at this time. I told him I am making less money and can barely afford this along with my medications, food and gas. I am a loyal customer and I am looking for help to lower the interest rate so I can afford a lower monthly payment amount. He just kept repeating that be can't help since they are not currently lowering interest rates. I told him I am drowning and need help but he did nothing.

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 1.XXXX  XXXX  XXXX acct # XXXX 2.XXXX XXXX XXXX acct # XXXX 3.XXXX XXXX acct # XXXX 4.XXXX  acct # XXXX have violated my rights. 

15 U.S.C 1681 602A. States i have the right to privacy.

15U.S.C 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief