vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On unsaid date in the latter part of XXXX, Bank of America unexpectedly closed my account due to fraudulent activity. Said bank made it where I was unable to gain access to the account. I had pending direct deposit coming on XX/XX/2023. I have was expecting to have access to my funds to pay my mortgage. On XX/XX/2023 I spoke with a representative who stated she would make a request for me to walk into the bank and obtain the funds. On XX/XX/2023 spoke with another representative who stated that request had been denied stated the account was pending closure on XX/XX/2023. I have bills that are now past due and are in pending status of being terminated due to none payment. This information was relayed to Bank of America and was told it was nothing they could do about it. My issue is as fast as they made the account unavailable to me, they should have refunded me just as fast.

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 2023-08-14 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX, AZ XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX, AZ XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9 The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: MO

Complaint narrative:
there is information that on my consumer report that is a result of identity theft I did not provide written permission or instruction for identify transaction to be reported on my consumer report I'm requesting that the reporting of this information be blocked and deleted My request to block is not being made in error nor is it a request to block being made in the basis of material misrepresentation of the fact by me relevant to the request to block the identify transactions. The identify transactions are not in formation related to any transaction by me as the consumer. 

You are required to do what I'm asking and block these transactions from being reported to my consumer report within Two days of the day of the receipt of this notice I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: MO

Complaint narrative:
there is information that on my consumer report that is a result of identity theft I did not provide written permission or instruction for identify transaction to be reported on my consumer report I'm requesting that the reporting of this information be blocked and deleted My request to block is not being made in error nor is it a request to block being made in the basis of material misrepresentation of the fact by me relevant to the request to block the identify transactions. The identify transactions are not in formation related to any transaction by me as the consumer.

You are required to do what I'm asking and block these transactions from being reported to my consumer report within Two days of the day of the receipt of this notice I look forward to your response.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent Capital one checks to pay my account and they held the checks for an extremely long time and then marked my account late. Then to be sneaky they didn't cash the checks I sent but turned around processed the payments via ACH and didn't return my checks to me. I didn't want any payments going through my account via ACH. I never gave them permission to do this and they did it anyway. Now my credit is suffering for late payments that were not late.

I need to know where my checks are?

I also need to know why were my checks ran as ACH without my permission. 
I also need you to remove all the negative remarks that are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-14 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: TX

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-14 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: LA

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-08-14 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Last week I signed on to my Chase Visa account. Before I could access my account, I first received two agreements that have to be signed to access the account. The first agreement is 125 pages long, the second 10 pages long. As a long time Chase Visa account holder who has relied on internet access to check on my account, I found the 125 page agreement customer-unfriendly ( to say the least ). Im supposed to sign 125 page document from a bank to access an account Ive accessed for years? A bank document no less, fraught with fine print and who knows what liabilities? I called Visa and spoke with 4 different representatives. I learned this is a standard '' update. Yes, but never before has such an agreement been close to this long and so customer-unfriendly, and what exactly am I signing without carefully combing through a 125 page bank agreement? They told me I can continue to receive monthly statements by mail. Yes, but one of the reasons internet access is so vital is to monitor the charges which, experience proves, occasionally are fraudulent. They told me that I can continue to do so with the monthly mail statements. I told them that Id rather take the time to contact the appropriate oversight agencies to complain rather than read a 125 page agreement. Therefore I turn to you. Finally, I asked if they are receiving similar complaints from other customers. Indeed they are. I am now their ombudsman. Please look into this and report back to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I have private loans services through FirstMark Services. I have been consistently paying since they worked with me last time after my last complaint. I was paying in the XXXX consistently for awhile. My payments went up to XXXX which I have been consistently paying. If you look at my balance it is going down. I can barely afford the XXXX but have been paying. All of a sudden my payment went up due on the XXXX to XXXX. I payed XXXX on XX/XX/XXXX and messaged them on XX/XX/XXXX stating thats all I can afford. They messaged me back saying my interest rate increased to XXXX XXXX, they cant change the rate, loan terms ; rate, etc. They suggested I could also go through another company to consolidate. However I have tried this numerous times and no one will work with me as my balance is too high. My argument here is I cant afford anymore than my monthly payment of XXXX. It was my understanding the last time I complained on here the loan term did get extended. I dont necessarily need an extension but we did the math and even at XXXX percent the XXXX it more than covers the interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: GA

Complaint narrative:
I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2023-08-14 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: NC

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.

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 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 2023-08-14 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: NC

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.

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 believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a bank account with Wells Fargo from the year XXXX until XXXX. I was no longer working and was charged astronomical over draft fees for the first time ever. With that being said they closed my bank account because I was unable to pay them back within the time frame they needed it. They were ok with taking and cashing XXXX checks XXXX checks at one point but when I couldnt pay back XXXX they harassed day and night and now I no longer have a bank account and can not open one up because of this! Its not fair!

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 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Huntington Debt Holding LLC
State: MO

Complaint narrative:
I received a letter dated XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX stating that they are trying to collect a debt that I owe to " Huntington Debt Holdings LLC '' in the amount of {$1900.00}. 

I have never heard of " Huntington Debt Holdings LLC ''. I have had no contact with that company, and have never taken out a loan or debt with them. 

I have taken action to formally dispute the debt with XXXX XXXX XXXX. I submitted my dispute through their website at " XXXX XXXX XXXX XXXX and I have mailed my formal dispute to them. 

So far I have not received resolution to this fraud claim. 

I also had credit freezes in place with XXXX, XXXX, and XXXX. I have placed a fraud alert with all 3 agencies to try and help prevent against similar cases of fraud like this in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have been a customer of MARCUS.com ( Marcus Goldman Sachs ) since XX/XX/XXXX. 
About 6 months ago I opened a new cd and a saving account and made a deposit of $ XXXX, one day in XX/XX/XXXX, I tried to access my online account and found out it was being locked and there were no email notifications or any signs before they decided to lock my account. 
Since that, I tried to call them numerous times and try to solve the issue but the first time I called their rep told me the house number was the only number that their internal system identified. Very soon I noticed she was lying, I have always used my cell phone as the primary number whenever I forgot the password their system would automatically send me the passcode to my cell phone. I told her I have never set my house number as the primary, and I asked her about where on the website had that setting and she said it was their internal system that identifies the house number, not the cell phone number. I then was promised that someone will be in contact with me no later than 48 hours to verify and provide the passcode. 2 days passed I did not get a single call from them, I then made several follow-up calls about this, and every time I was promised the same things and I still never got the call then I continued making several calls until someone finally said I can send them the notarized documents to prove my identity so I did it then I called again to follow up and make sure they got my documents. They told me they have received the documents and they are currently in the queue for review. I was told to call them back in 3-5 days to follow up on the status. It has been over 3 weeks, I have made a total of 6 calls at different times and I was always been told the same lies. Until today, MARCUS still locks my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Collection Systems, Inc.
State: GA

Complaint narrative:
I discovered that National Credit Management has reported a collection account for a debt that I believe may not be valid. I have not been properly informed about this debt, nor have I received any communication or documentation from National Credit Management regarding its legitimacy. This lack of transparency has left me deeply concerned about the accuracy of this debt reporting and its impact on my creditworthiness. 

It started on XX/XX/XXXX. The last reporting is on XX/XX/XXXX. The account is XXXX dollars. It is to my understanding that the XXXX XXXX XXXX XXXX  have sold my account to them and they got a credit from the IRS when filing my account as a loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2023-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
XXXX XXXX sold my mortgage to New Rez LLC. on XX/XX/XXXX. XXXX XXXX refuses to send a letter of acceptance and a statement on my mortgage which is due on XX/XX/XXXX. When I called them to inquire on a letter and statement they just reply that my post man is a thief and he stealing the statements. Never had any issues with the XXXX man in 18 years. I never missed a payment or was late with a payment. I believe that this company wants me to miss payments because their main income stream is a debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation