vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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:
Today is XX/XX/XXXX and I received the attached XXXX XXXXXXXX XXXX XXXX ( XXXX ) letter dated XX/XX/XXXX supplying documents they claim I requested. I requested the permissible permission used to access my credit report in XX/XX/XXXX not copy of contract that took XXXX more than two months to send in the mail. But perhaps XXXX is a 3rd world country because they treat the american citizens that way. I requested the permission used in XX/XX/XXXX to access my credit report to prove it was a fraudulent loan. Also received today is a Fraud letter requesting more of personal information in addition to my credit report that they didn't have any rights to access in XX/XX/XXXX. Perhaps XXXX is a 3rd world scam to collect more of american 's private information to steal. After 5 years of this, XXXX needs to be talked to like an uneducated 3rd world stealing country.

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 2022-03-23 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: Credit Plus Inc
State: OK

Complaint narrative:
Inquires DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc.
State: FL

Complaint narrative:
Didnt receive any validation that to XXXX debt is 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 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, Capital One bank initiated a two-day early direct deposit for my checking account without my prior knowledge or consent. When I called the bank to determine why my direct deposit was two days early, I was informed that my account qualified for the new program and I was told that every two weeks, I would receive my direct deposits on Wednesdays instead of Fridays from now on. In early XXXX however, I began having issues with not receiving my deposit on Wednesday mornings as I previously had been and the deposits began arriving later in the day, or even the next morning. I called the bank several times and was told there was no guarantee with the two-day early direct deposit of which day I would actually receive my deposit. It could be Wednesday, or Thursday or Friday. After several weeks of inconsistent deposits, they did get back on track and arrived in my account each Wednesday afternoon. Today, XX/XX/XXXX, my normal payday, I have not yet received my direct deposit and was just told by a " manager '' of Capital One that IT is aware of the issue and can't do anything. I may receive my deposit by end of business day, or it may be tomorrow. 

Capital One has had nearly a year to detect and resolve this issue, and has failed to do so. It is not right that they are making customers wait more than their allotted pay periods and they are messing with our livelihood. It is not fair that I have to wait more than two weeks to get paid because Capital One has IT issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TX

Complaint narrative:
On XXXX XXXX I received a letter dated XX/XX/2022 stating they received my request regarding inaccurate information on my credit file. I never submitted any dispute! I already received my report XX/XX/2022. Looks like someone else requested there report & have not received it because once again Equifax has comingled someone else 's request for there report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I have been out of work since XXXX due to health issues and officially lost my job in XXXX. I was unable to make any payments to BridgecrestXXXX due to the fact I had no income. 

I was able to get one extension and shortly after had to have Bridgecrest place me on the Don Not Call list because their agents were contacting me trwice a day. I'd speak to a representative and within 20 minutes of hanging up the phone they'd be calling again. 

Communication methods since have been sub-par. I only receive emails, so when they notified me of a reposession date, I didn't immediately see the email. I don't understand why something so important wouldn't also be sent via USPS. 

I have found employment and am prepared to resume payments following my first paycheck on XX/XX/XXXX, but Bridgecrest refuses to work with me any further. They are insistent I need to pay approximately {$200.00} that I don't have to prevent the repossession. They tell me their hands are tied and they can't do anything else to help me because the computer system has it locked in. 

All the talk of assistance and understanding during the pandemic has been nothing but empty platitudes. Before losing my job and being unable to make payments I had close to two years of on-time payments, but that apparently accounts for nothing. 

I don't think it's too much to ask for an extension of just a few weeks all things considered, but Bridgecrest have absolved themselves of any responsibility in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
Optum Bank holds my health savings account, established through my previous employer XXXX XXXX in XXXX, XXXX. The account balance is about {$4600.00} ( account no. ending in XXXX ). In spite of numerous protracted, redundant requests to have access to my account, via their online platform, the Bank will not provide it. The Bank uses an outsourced customer service provider who is the only means of contact for XXXX matters, who only offer to send a debit card, mail an account statement, or email an account statement ( each time after I go through a long identity verification process ). However, the debit card and account statements are not sent, and the emailed account statement is actually only a link to the online access that I do not have. Online access requires entry of the full account statement. When I ask about the mailed card/statement, I have been told variously that the request was entered but did not process ; the request is not showing up ; or the request was made and it is not clear why the card/statement did not show up ( after least 10 business days- in any event, over the past 12 weeks, nothing has been sent per my request ). Optum Bank has sent two required mailings to me so it is not an address issue, and, customer service has confirmed the address on file multiple times. I sent a written complaint to the Bank at the only available address ( see attached ). 
Today XX/XX/XXXX I called the Banks customer service again, in an express attempt to escalate, and after being verified for 10 minutes, was put on hold to wait for a supervisor to speak to me as I requested. After 15 additional minutes on hold, I was told she was unavailable as she was busy with other things to do today, but would call me back in 24 to 48 hours. 
I reiterated that my request was to have access to my account, which requires the full account number that I do not have. I asked for an account statement to mailed to me by trackable express service or to be emailed to me but the representative would not do that and instead said I had to speak to the supervisor. 
Bottom line, I am in an infinite loop with Optum Bank, with no access to my XXXX, while Optum Bank wrongfully denies my account access, and effectively, to my funds- and charges me a {$3.00} monthly fee. As there is apparently no way to resolve this with the Bank, I am asking the CFPB to please intercede on my behalf to cause the Bank to give me access to my XXXX and my funds. Thank you. XXXX XXXX, XXXX XXXX XXXX XXXX, NE, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23 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: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, & TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2022-03-23 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: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, & XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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:
To Whom It May Concern : I recently received a copy of my ( Experian, & XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2022-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
We applied for a hardship program during COVID, to our Mortgage Lender, and were told that we qualified for the forbearance program, We accepted the terms we were told over the phone, which was that all payments would be deferred to the end of or mortgage life. After the 6 months, the company even called again and offered to extend the hardship program. So, again, clarifying that the terms were still the same that the payments not being made would be added on to the back end of our original mortgage terms. 

We NEVER missed ONE PAYMENT before we agreed to this hardship program, and once the program reached its final date, we have NOT MISSED a PAYMENT since. In this last year, we have not received one notification, or one note on our existing monthly bill that we are delinquent on our payments. Until a month ago, we were contacted that we owed the 10 months that had been missed during the hardship back IMMEDIATELY in FULL or we were going to be placed in foreclosure. We have not been able to get a straight answer about how to proceed, we have not been given a payment option or given the original stipulations that were FULLY explained by a person over the phone, not ONCE, but both times we " DEFERRED ''. This would have been in the spring of XXXX, I will have to research the dates to be exact. But we are JUST NOW, in XXXX being told for the past year that we have owed for 10 missed months and facing foreclosure. Mind you, have not missed one payment since the program ended. This is horrific.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Multiply letters send about this issue and a few other and the credit bureaus never respond or follow up

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 2022-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I have contacted FedLoan servicing repeatedly regarding 19 payments that were made towards my Public Service Loan forgiveness count. These payments were made on time and during a income contingent payment plan prior to COVID and during a time period from XXXX. Somehow during the transfer of the loan to different servicer the payments that were made are now listed as being made during a forbearance or grace period and DO NOT COUNT. These 19 payments were not made during forbearance. Honestly if I was in a forbearance why would I be paying approximately {$600.00} a month towards the loans in question. I have requested the forbearance be removed. I have disputed the accuracy of the payment count. I receive random generic emails with form letters stating my request is denied. I can not reach a person by phone or online. Please provide assistance with this payment count and review of my student loans. I have included copies of the denials and today 's additional requests. While recognizing that everyone is understaffed and busy, there is not any ability to contact anyone to resolve this error, which is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was told by Trustee , XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  as Trustee for the Certificate Holders of the XXXX, XXXX, Alternate Loan Trust XXXX, Mortgage Pass Through Certificates, Series XXXX, in response to CFPB Complaint ID XXXX, to forward this to Bank of America, NA ( the XXXX XXXX XXXX '' ) of my loan, See Exhibit # 3. 
I am awaiting a response regarding my mortgage interest payment reported to IRS for tax year XXXX and additional information regarding interest from XXXX XXXX  XXXX, A Division of XXXX, XXXX on behalf of note owner XXXX XXXX XXXX XXXX as of today, XX/XX/XXXX. I received two written letters dated XX/XX/XXXX, See Exhibit # 1 and XX/XX/XXXX, See Exhibit # 2, from XXXX XXXX  XXXX, A Division of XXXX, XXXX of XXXX, SC, on behalf of note owner XXXX XXXX XXXX XXXXThese two letters contradict a different set of two letters dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX  XXXX, A Division of XXXX, XXXX of XXXX, MI on behalf of XXXX XXXX XXXX XXXX, the noteholder, with both letters stating, " We are working to gather the requested information and will forward it to you as soon as possible. '' Therefore, this is XXXX and I am demanding the answers to the following questions in regard to Loan # XXXX for property XXXX XXXX XXXX, XXXX, MD XXXX : 1. What date that XXXX XXXX  XXXX sent the original IRS Form 1098 for XXXX to IRS? 2. What date that XXXX XXXX  XXXX sent the corrected IRS Form 1098 for XXXX to IRS? 3. What date that XXXX XXXX XXXX sent the original IRS Form 1099-INT for XXXX to IRS? 4. Where is the Escrow Analysis for the period XX/XX/XXXX to XX/XX/XXXX with all consecutive months? 5. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX  XXXX has on record for me with XXXX, XXXX as the third-party requestor ; 6. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX  XXXX has on record for me with XXXX XXXX  XXXX as the third-party requestor? 7. What is the name of the contact person at XXXX XXXX  XXXX and XXXX, XXXX for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 8. What is the name of the contact person at XXXX XXXX XXXX XXXX the note owner of my mortgage loan for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 9. Where are the copies of any documents with XXXX XXXX XXXX and XXXX XXXX that I signed giving them the authorization or written consent to release my NPI ( Non-Public Information ), as defined by XXXX, XXXX XXXX XXXX XXXX, to third parties?

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Multiply letters send about this issue and a few other and the credit bureaus never respond or follow up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Multiply letters send about this issue and a few other and the credit bureaus never respond or follow up

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