vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 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: LA

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

XXXX has violated my right to privacy in accordance with 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX has violated my rights in reporting this account as they do not have written permission in accordance with- 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I received an offer to open an account with TD bank and opened the account in XXXX of XXXX. In order for the account to not incur fees I needed to maintain a minimum of XXXX between checking and savings. I met this requirement with my initial deposit and was also informed even though it would take a few days for funds to show no account fees would be charged the first 40 days after account opened. 

I was charged a fee the first month the account was opened. I called and agent reversed the fee. I asked her to check account to make sure I was meeting all requirements and she said I was and couldnt determine why I was charged a fee. 

I told her there could be a broader issue and fees are incorrectly being charged to more than just my account. Its unlikely this is a one off. But she assured me it was and I should t be charged a fee again. I am reaching out to the cfpb because I was charged a fee again despite meeting all requirements to be a no fee account and I do believe this fee is incorrectly being charged to multiple accounts and TD is only crediting customers that call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
On XX/XX/2022 I started dispute processes with XXXX, XXXX, and XXXX to dispute the XXXX open Fedloan Servicing accounts that were still showing as open since XX/XX/2022, although my loans were transferred to XXXX starting in XX/XX/2022. XXXX is showing my loans as consolidated on all three credit bureau 's, which is correct. My issue is with Fedloan Servicing who's loan transferring process is inadequate as they have failed to properly update my credit reports with the three credit bureau 's. I called Fedloan Servicing in mid XXXX prior to XX/XX/XXXX and requested they correct this information as it should have been done after transferring my loans to XXXX. Fedloan Servicing has a very time consuming process of printing a form to correct credit issues and mailing it back. This should have been done as apart of the loan transfer process. So I decided to go directly through the credit bureau 's for a faster result, XXXX and XXXX have properly updated my credit report to zero out the balances with Fedloan Servicing and closed the accounts. XXXX has failed to correct my credit report because Fedloan Servicing is reporting to them that I still have a balance with them and that the account is still open, this is false, although my Fedloan Servicing website dashboard shows loan balance as {$0.00}, Fedloan Servicing is still reporting inaccurate information as if my student loans are still held by them and their not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had opened Checking and Savings account on XXXX night. I initiated ACH transfer from XXXX XXXX XXXX XXXX account to fund my new accounts. 

Checking Account - XXXX funded with {$25000.00} XXXX Account - XXXX funded with {$25.00} However Very next day Citibank locked my account suspecting some fraudulent activity. Though Citibank locked my account still my ACH transaction to fund new account went through on XXXX. 

Then on XXXX Citibank closed my both account but didn't refund me any balance in my accounts even though 60 days passed. I had to spend hours on Citibank call center without any help. 

Finally I raised case with CFPB ( case number - XXXX ) and Citibank refunded me my Checking Account balance {$25000.00} after 90 days. Also they didn't provide any explanation on, 1. Why Citibank didn't reject fund transfer to locked account? & 2. Why it took Citibank more than 60 days to refund funds from closed account? 

However Citibank still didn't refund me the Savings Account balance- {$25.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XXXX I received my FNBO XXXX XXXX XXXX statement. On this statement I earned XXXX points. However, my XXXX has not been updated with the points as off XXXX. I have called repeatedly to have this matter resolved to no avail. FNBO refers to XXXX and XXXX refers to FNBO.

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 2022-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
PHH Mortgage ServicesXXXX XXXX XXXX XXXX XXXX To whom it may concern, upon running title on XXXX XXXX XXXX XXXX XXXX XXXX XXXX it has been brought to my attention that XXXX XXXX XXXX PHH Mortgage Services has never had ownership or assignment of the current Mortgage or Note on this property in XXXX XXXXXXXX XXXX and has been collecting and servicing this loan. I also have ownership on this property, XXXX XXXX Attached is XXXX XXXX legal guardians ' authorization, title search, court ordered guardianship for children and authorization for me to discuss this issue with your legal department ASAP. XXXX XXXX. 
PHH / XXXX XXXX said in first complaint they did not have these items as well as numerous attempts to send these documents to them have been ignored. Trying to sell this mortgage, note could be considered fraud in concealment. Hopefully they can address this issue now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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:
XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act 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

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 2022-10-01 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act 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

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 2022-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Information added to complaint IDs : XXXX I have made disputes with Transunion, XXXX, and XXXX for the collection account inaccuracy reported by XXXX XXXX XXXX from reporting 3 different account numbers to the credit bureaus in XX/XX/XXXX. 

XXXX  account number reported : ending in XXXX Transunion account number reported : ending in ending in XXXX XXXX account number reported : Ending in XXXX Transunion, XXXX, and XXXX have failed to investigate the accuracy of this collection.

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 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Information added to complaint IDs : XXXX I have made disputes with XXXX, XXXX, and Equifax for the collection account inaccuracy reported by XXXX XXXX XXXX from reporting 3 different account numbers to the credit bureaus in XX/XX/2022. 

XXXX  account number reported : ending in XXXX XXXX account number reported : ending in ending in XXXX Equifax account number reported : Ending in XXXX XXXX, Equifax, and XXXX have failed to investigate the accuracy of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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 Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The laws listed below according to the " FCRA '' Fair Credit Reporting Act, is what the creditors and credit reporting agencies/bureaus are in willful violation of. 

1. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

2. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 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.

3. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2022-10-01 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 Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The laws listed below according to the " FCRA '' Fair Credit Reporting Act, is what the creditors and credit reporting agencies/bureaus are in willful violation of. 

1. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

2. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 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.

3. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX. XXXX XXXX of the XXXX Police Department regarding me being a victim of identity theft and XXXX apprehending the suspect who had counterfeit identification cards in their hands, one of which had my name and information on it. XXXX XXXX, the suspect, has been circulating since XXXX, taking people 's personal information by sending mail to other locations to get loans, vehicle loans, medical treatment, and housing. XXXX XXXX, the suspect, is presently being jailed on a {$100000.00} bail for mail fraud and other counts, and I have also charged him with identity theft.

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 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX. XXXX XXXX of the XXXX Police Department regarding me being a victim of identity theft and XXXX apprehending the suspect who had counterfeit identification cards in their hands, one of which had my name and information on it. XXXX XXXX, the suspect, has been circulating since XXXX, taking people 's personal information by sending mail to other locations to get loans, vehicle loans, medical treatment, and housing. XXXX XXXX, the suspect, is presently being jailed on a {$100000.00} bail for mail fraud and other counts, and I have also charged him with identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
On XXXX I received my XXXX XXXX XXXX XXXX statement. On this statement I earned XXXX points. However, my XXXX has not been updated with the points as off XXXX. I have called repeatedly to have this matter resolved to no avail. XXXX refers to Ford and Ford refers to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a credit alert stating a new account has been added to my transunion report. When I checked, there was a new student loan reported on XX/XX/XXXX that was opened in XX/XX/XXXX for the amount of {$3500.00} and closed in XX/XX/XXXX with a delinquent status. I immediately contacted the servicer as I did not open any student loans in XXXX. When I contacted the servicer, they did indeed confirm I had not opened any loans in XXXX and the loan referred was an old loan from XXXX. I advised the servicer that I have not opened any loans and that this information was never reported to me until it went to my credit report now in XXXX. In addition, I advised the servicer there is no loan in my report from XXXX and the only loan I see in my report is one of XXXX. I was never notified via letters and they advised it was not a requirement. I requested this error to be fixed from my report as I have not opened any student loans in XXXX. The servicer said they will escalate to fix the matter and they will send me a statement. None of those tasks occurred. I then disputed the entry via transunion and the inquiry came back without being fixed. This is only showing on my Transunion report and XXXX accurately do not reflect this account on my report. 

Please have this error fixed. The fact that the agency is reporting a loan as XXXX for a loan in XXXX and showing a recent delinquency is falsification of records.

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 2022-10-01 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:
Accounts XXXX  Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX Equifax Account XXXX XXXX  Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Regarding CFPB Complaint ID XXXX. 

I have not received the response from the company about closing my account or confiscating my rewards points. The original complaint was filed to OFFICE OF THE ATTORNEY GENERAL XXXX XXXX STATE OF NEW YORK DEPARTMENT OF LAW BUREAU OF CONSUMER FRAUDS AND PROTECTION Intake Id XXXX I was never notified that the matter was sent to CFPB. I'm XXXX XXXX XXXX and need some assistance!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: IA

Complaint narrative:
XX/XX/XXXX I submitted a written request asking for copy of credit report as I have ITIN number. As I did not received anything I ended up calling XX/XX/2022 requesting copy of credit report. representative had stated that I would be getting a copy of credit report within the next 6 to 7 business days. Representative with XXXX stated that the reason to why I have not received a copy of credit report is because they have a second last name which is XXXX but on my document with my ITIN number given to me by the IRS it does not have my second last name not sure how they got my second last name but I have attached copy of documents to verify identity. Bureau have my name as XXXX XXXX XXXX XXXX I never use my second last name! I have only received copy of credit report with XXXX XXXX still missing XXXX and Equifax. XX/XX/2022 I called XXXX and Equifax a second time requesting credit report as I have not received anything up to this date. XX/XX/2022 I contacted XXXX but I was unable to get a hold of a rep. I have the right to a free credit report and I have submitted copy of documentation stating verification that identity is mine. Yet nothing has came in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
In XX/XX/2022 a credit card with Milestone/Genesis FS Card Services was opened in my name fraudulently. I have not applied for this card nor have I applied for or received any Milestone credit card in my name. I contacted Milestone on XX/XX/2022 and reported the fraud due to receiving a statement for a {$170.00} annual fee charged to the account. I confirmed with Milestone that no card has been issued on the account and there have not been any charges made to the account aside from the {$170.00} annual fee. The Customer Service Representative I spoke with at Milestone has filed an Identity Theft/Fraud Complaint and advised me to submit the same through FTC to report this as identity theft/fraud.

Company response to consumer: Closed with explanation