vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated
State: TX

Complaint narrative:
XXXX XXXX keeps repeatedly calling me, after requesting for them to stop calling me back in XX/XX/2021. I have submitted several complaints with the Do not call Registry, blocked their number, but they still call at least four to seven times a day six days a week. I'm not sure why they keep calling me, but I don't know what else I can do to stop this aggressive marketing harassment. Please reach out to this company, to have my phone number permanently removed from their calling and marketing list. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Conn's, Inc.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXXXXXX XXXX XXXX  loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS. 


The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Someone reported now I cant get approved for checking account

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 2022-01-27 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Was divorced in XX/XX/2018, in which the exhusband was awarded the truck loan and I was not to be held financially accountable any longer. He allowed this loan to default and it has appeared on my credit report. I have attached the divorce decree which provides the court proof of this matter.

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 2022-01-27 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several XXXX laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 


The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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:
My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX, US DEPT ED Account Number : XXXX, US DEPT ED Account Number : XXXX. 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.

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 2022-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I have a credit card with Macys stores and on XX/XX/XXXX I returned merchandise to Macys and so the balance on my account was a credit of XXXX dollars and that means Macys owes me XXXX dollars On XX/XX/XXXX I made a purchase for XXXX dollars and so the balance should update and XXXX XXXX dollars credit on my account but when I received my statement the balance was that I owe macys XXXX dollars and the credit for XXXX dollars was NOT showing but this is wrong. 
Macys owed me XXXX for a returned merchandise and then I made a purchase for XXXX dollars so then Macys still owes me XXXX dollars but they are asking me to pay XXXX dollars and that is completely WRONG.

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 2022-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX engaging in Unfair Deceptive Abusive Act or Practice ( UDAAP ) regarding paper statement fees. The employer I work for, XXXX, is in the process of transitioning our accounts from an old to new XXXX ( Health Savings Account ) both with Optum Bank. I was charged a paper statement fee on my new account today, XX/XX/2022. I called Optum Bank/Financial on XX/XX/XXXX to ask them to turn off paper statements, as I had already signed up for electronic statements with them on my old account and expected the same would carry over. ( 1 ) The customer service agent with Optum told me that my prior selection to have paper statements does not carry over to my new account, which makes no sense with the HSAs both being with the same company. I promptly told the agent I wanted paper statements turned off again and asked him to refund my fee. ( 2 ) The customer service agent said it is company policy not to refund this fee and that nothing can be done and while he would like to help me. Management would not allow or approve of refunding this fee. Ask to pull the recording of my call to confirm. ( 3 ) The customer service agent told me instructions to turn off the paper statements again and information on the fees would be included in my XXXX statement, which has not even yet been received by me. In short, Optum is charging me a fee without giving me the appropriate notice and time to avoid being charged the fee. 

Regardless of the fee being only {$1.00}, Optum Bank/Financial is acting. I have looked on the XXXX employee message board this week ( the week of XX/XX/2022 ) and Optum Bank/Financial has committed this UDAAP not only to me, but to thousands of other XXXX employees that also have HSAs with them. This would result in thousands of dollars in fee income for Optum, which is the root motivation for the company taking advantage of customers, like me, that don't have a choice and have to use them since this is who my employee chose for my company to use for their HSAs. I am asking for the CFPB to hold Optum Bank/Financial accountable . If necessary, a Consent Order should be used to make sure the company must not only lose the fee income they earned from engaging in XXXX when charging customers in the manner they do, but also hold Executive Management at this company accountable for their actions. It is unacceptable to be charging not only XXXX employees for a paper statement fee without giving them the proper notice and timeframe to opt out of paper statements, but any and all customers. This is clearly a deceptive tactic to make additional fee income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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:
My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX. 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: TX

Complaint narrative:
The following closed and collections accounts have been placed onto my credit report without my verbal or written consent to do so, and is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit or even housing in the future. Due to these facts given the following closed and collection accounts must be removed : CLOSED ACCOUNT : XXXX XXXX XXXX XXXX. ( THIS ACCOUNT HAS ALSO REACHED ITS STATUTE OF LIMITATIONS ON DEBT ) COLLECTIONS : 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 2022-01-27 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: TX

Complaint narrative:
The following closed and collections accounts have been placed onto my credit report without my verbal or written consent to do so, and is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit or even housing in the future. Due to these facts given the following closed and collection accounts must be removed : CLOSED ACCOUNT XXXX XXXX  XXXX XXXX XXXX. ( THIS ACCOUNT HAS ALSO REACHED ITS STATUTE OF LIMITATIONS ON DEBT ) COLLECTIONS : CONVERGENT OUTSOURCING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I made a {$300.00} payment on my Capital One card on the XXXX. Also of today my available credit has not updated! I called and they said the payment was frozen due to suspicion. This is the third time they have done this to me. If I make a payment and it clears it should be posted RIGHT THEN. I feel they are discriminating against me as it has happened so often. They said it will post tomorrow, 7 days after payment. Too slow in this day and age and there is nothing suspicious about making a payment from the same checking account for months!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: CL Holdings LLC
State: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several FederaXXXX laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXXXXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 

The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
My original loan servicer was XXXX XXXX XXXX and I was laser moved to XXXX XXXX. They were aware that I was going for PSLF but gave me incorrect information multiple times. First they failed to tell me I needed to fill out a deferment waiver while in school and working full time in public service for that time to count towards payments - that lost me 4 years of PSLF time. Next, they put me into a forbearance when I qualified for {$0.00} IBR payments and told me I was on a qualifying payment plan - this lost me another 31 months of PSLF time. Lastly, they failed to tell me that my XXXX loans did not qualify and actively told me they did since they were owned by DOE. Luckily the waiver will correct the last issue but it does not go far enough to correct the wrongdoing of the loan servicers in the early years of PSLF. My public service work is certified since before the beginning of the program - 2006 - but I still have many years until I reach forgiveness because servicers did not have my best interest in mind. For the program to work the way it was intended anyone with 10 years of service should be automatically forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I recently requested a forbearance extension from Rushmore loan management and was told that it was denied by the owner of the loan. There was no further explanation. When I called to discuss this I was told that most likely forbearance were no longer being offered. I would like to appeal their decision and request a forbearance extension. I am only working part time due to my ssi XXXX and can not yet afford my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: SC

Complaint narrative:
My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.

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 2022-01-27 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: TX

Complaint narrative:
I have disputed two accounts on my Credit Report with Experian MANY TIMES as they are incorrectly and illegally reporting to my Reports. All to no avail, XXXX XXXX XXXX and XXXX XXXX have been reporting an account to the Bureaus as CO ( Charged Off ) every single month for the past 4 or more years. This is to my knowledge ILLEGAL to do as it is manipulating the Statute of Limitations and also the DOLA ( Date of Last Activity ). It is adversely affecting my Credit Scores and I have asked Experian many times to investigate these accounts and remove them immediately per my rights with the FCRA. Every time they have come back saying that the accounts have been investigated and updated and nothing was changed. I call Experian and still nothing has changed they do not remove the accounts even though it is clear that they are reporting incorrectly and illegally. I am demanding that these accounts be removed immediately which by law should have been done already upon my first dispute of these accounts.

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 2022-01-27 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-27 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: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX Original creditor : XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$240.00}. Inquiries : XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2022-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My mortgage loan with Bank of America balance as of XX/XX/2022 is XXXX and is totally current with the next payment due on XXXX XXXX, 2022. XXXX shows a loan balance of {$160000.00}, which is {$3800.00} higher than the current balance. This caused my XXXX score to fall XXXX points ( it should have been XXXX points ), from XXXX to XXXX overnight at Bank of America and XXXX points at XXXX XXXX XXXX. XXXX was the one that advised me of my drop. 

I contacted XXXX as per their instructions and the told me that it was a Bank of America issue and that I should contact them. I tried doing so but no living person answers my calls or messages. Bank f America shows a drop of XXXX points ( sic ) and XXXX shows XXXX, which is not deserved but at at least they can add and subtract correctly. 

I am considering terminating my relationship with Bank of America because : 1. They make many mistakes, which you will be able to see in my previous complaint to you and, 2. It is impossible to get them to answer a call or message. 

PLEASE! 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 explanation