vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: MI

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

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2022-09-28 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: MI

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

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2022-09-28 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:
In accordance with the Fair Credit Reporting and XXXX XXXXXXXX Account # XXXX, XXXX Funding Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a banking message on the Chase app on XX/XX/XXXX advising my account had been locked and I would need to call the bank to get the lock removed. I called on XX/XX/XXXX and the representative I spoke with advised that my account was subject to closing upon the decision of the bank. I asked what would happen with my funds in the bank and she told me that they will send a cashiers check within 10 business days. I asked was there any other information as to why this was being done or why I was not contacted in regards to this and she became discourteous and impolite and proceeded to disconnect the call in which I had to call back and spend more time to report this to a supervisor. I have been a customer of Chase for 4 years and trusted them with my business and personal accounts and now I have access to nothing without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Click n' Close, Inc.
State: CA

Complaint narrative:
I filled out an order for relief for XXXX XXXX lending granting them credit on the application which gives me a security interest in the business known as equity. The amount was for XXXX around XX/XX/2022. I was denied. On XX/XX/2022 I received and adverse action letter from your company attempting to explain why I was denied. This was clearly and act of DISCRIMINATION pursuant to 15 usc 1691 ( a ) ( 3 ) I used my credit card pursuant to 15 usc 1602 ( a ) ( L ) to extend myself credit through your company, which make me a creditor pursuant to 15 usc 1602 ( G ). That also give me the right to give credit pursuant to 15 usc 1602 ( F ). I exercised my right in good faith to extend myself credit as a consumer, and a creditor pursuant to 15 usc 1691a ( 3 ), I have received no benefits from this consumer credit transaction pursuant to 15 usc 1602 ( a ) ( p ) on top of that my credit card was used by a person other than myself which is clearly a violation of this federal law. I told XXXX XXXX i had given him all the info he needed to process the loan, XXXX said he was going to XXXX the load. I explained the information above to XXXX he told me it doesn't apply to me getting the loan and no one was going to give me one. I told XXXX XXXX okay and hung up the phone. I am looking to get the loan that i need to get the house i want. No company rules supersedes federal LAW!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Karma, LLC
State: MI

Complaint narrative:
My name is XXXX XXXX almost 5 years ago I applied for government housing finally after waiting that long I received my voucher when you receive your voucher you only have 60 days to find housing and if you dont theyll give you two extensions thats another 60 days well they giving me five extensions total so thats 210 days altogether and I still can not find housing and I did not understand why because Ive never been in trouble So I was a little confused till I got an email saying I got denied because my credit so I started looking into it and I saw my brothers name as far as I can look back XX/XX/2020 his name is on my credit report around eight months ago I contacted the credit bureau and told them the all them high inquiries are not me the lady basically said I had to jump through all these loops and holes come to find out it was really my brother now since I lost my housing voucher that I waited five years for me and my kids are homeless we have nowhere to go we are sleeping in my vehicle I do not know where to turn I lost everything because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Having been through ID theft, in which the individual opened accounts at credit reporting agencies, I was unable to get my own credit reports. This has been resolved with two of them. However, Equifax will not allow me my credit report because APPARENTLY someone opened a credit card account I am unaware of ; and questions regarding this fraudulent account are part of the ID verification process to gain entry to my report. I've written and called them, explaining the verification questions refer to accounts I have no knowledge of. However, since I can not provide info regarding the accounts they won't even discuss it with me. XXXX XXXX. Help please, how can I get around this to see my own Equifax report, AND see what fraudulent accounts have been opened, to dispute them? It's been going on for a number of years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I paid the debt with the negotiable instrument that was sent to me in the mail from Mercedes Benz financial they refuse to except my payment, so I started a billing error and Mercedes-Benz financial did not respond to my billing error correctly they did not send any of the documents I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no 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 2022-09-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested validation twice directly to XXXX XXXX XXXX. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. I should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 day validation request to prove I owe the debt to XXXXXXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested validation twice directly to XXXX XXXX XXXX. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. I should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 day validation request to prove I owe the debt to XXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.

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 2022-09-28 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: AR

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 USC 1681. 

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXXXXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 
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 before that the information is inaccurate. 

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.

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 2022-09-28 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: AR

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 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 
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 before that the information is inaccurate. 

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Despite multiple attempts to remedy my issue, the company Comenity Capital Bank operating as Comenity , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone XXXX has not reported my account information accurately. They have given multiple reasons for this negligence. This lack of reporting accurate balance information has caused an adverse action to my personal well being as I'm in the process of purchasing a home. I have filed a complaint with the FL department of agriculture and consumer services. 
Comenity advised me I would receive a satisfaction of balance message in my inbox from Comenity Rewards but I instead received an error message. Attached you will see the failure to produce any information from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently submitted a complaint with the CFPB to have accounts that were subnitted on an FTC Report to be removed/deleted. Not all accounts were deleted. The bureaus have made several violations of federal law under the Fair Credit Reporting Act. I do not appreciate being undermined as a consumer.

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 2022-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nation-star, Mr. Cooper, RightPath refuse to honor Covid forbearance transition to deferment. RightPath demands lump sum payment for 18 month forbearance period or they will foreclose. 35 day notice to comply. On its face, intentional scheme to Force modification at MUCH higher rate and/or unjust enrichment with forclosure ( $ XXXX equity ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted my identification and FTC report to Equifax many times and they continue to say the documents are not legible when I'm sending full exposure color documents. Furthermore they are giving me the run around about removing the fraudulent inquiries listed on my report. First they advised that I needed to list all inquiries on the FTC report which only allows you to list up to 3 inquiries. I resubmitted with all remaining inquiries listed in the personal statement section of the FTC report as Equifax 's supervisor advised me to and waited 30 days and then another supervisor tells me I needed to list each inquiry on a separate FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On the Regions ATM machines, they claim to accept XXXX bills at a time. I confidently put my XXXX XXXX dollar bills that we had just received from selling our car to deposit into our checking account to pay off a card. The machine took my money, returned my card and issued me a receipt saying that There was an issue returning my cash and for me to contact my financial institution immediately. I did not move. I called the bank from there and even inserted my debit card again to assure myself that the deposit and withdrawing options were unavailable, which they were. I attempted with two cards. The bank opened a claim and told me it could be up to 10 days. I called a few times and they continued to tell me it hadnt been 10 days. The 10th day came and went. I called and they had closed my claim saying there was no merit in depositing the money in the clients account. I told them they were robbing me and calling me a liar. They reopened the case using the picture of the receipt that the atm gave me. I reminded them that there are cameras and that I inserted my other cards. They were able to see my other actions and the error of the atm. I am still waiting to he contacted and for my money. They are thieves and treat their customers like liars

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 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The company closed my credit card account one week after filing my last cfpb complaint because they refused to cash a check. This is credit discrimination and will directly effect my XXXXredit score. This is retaliation and against ECOA. They sighted a complaint they sent me a month back about cursing at them, which I had not done since and have a history of shutting account to down without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I requested a student loan refund of {$9800.00} from Nelnet on XX/XX/22. I was informed by Nelnet at that point that it would be 4-6 weeks before I would receive that refund. 

Over the course of the next several weeks, I called Nelnet repeatedly to confirm that my refund was still on track to arrive within 4-6 weeks. I called on the following dates : XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 Each representative said my request had been sent to the treasury. Each representative stated that Nelnet no longer had my refund paperwork and that it was with the federal government. Each time I was informed that 4-6 week window started on XX/XX/22. 

I called again today ( XX/XX/22 ) and was informed my refund request has not gone to the treasury yet and that the 4-6 week window has not been triggered yet. This surprised me because I have called Nelnet numerous times and received different information. The representative today told me that Nelnet has struggled to provide accurate information and that many of the previous times I called I did not speak to people in proper departments who would know this correct information. 

I previously filed a CFPB complaint against Nelnet to confirm that my refund request was received and to receive an estimate of when I would receive my refund. I would like to submit a second complaint now due to the completely false information I was provided on numerous occasions by Nelnet.

Company response to consumer: Closed with explanation