vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with Experian, XXXX and XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of EDXXXX XXXX My current loan servicer is XXXX with a balance of XXXX XXXX after consolidation and transfer from XXXX thus zeroing out these amounts with XXXX. 
My XXXX report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under XXXX that was consolidated and transferred to XXXX. This makes my student debt total with XXXX XXXX when it should only be XXXX XXXX and the XXXX balance should be XXXX. 
My XXXX report shows the correct XXXX amount of XXXX and an XXXX balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the XXXX balance should be XXXX. 
My Experian report currently shows XXXX with a balance of XXXX and XXXX balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and XXXX balances are XXXX. 

My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. Experian reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report XXXX  XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by Experian, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and DEPT OF ED XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed.

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 2023-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: GA

Complaint narrative:
I have been using Binance.US for about a couple years now, with no prior issues using the platform. However, two days ago, I suddenly was locked out of my account. Support has continued to give me the same generic guarantee that they're " working on resolving '' my issue and that they will update me " via email '' as soon as there is new information, but it feels like nothing is being done to remedy the situation. I went through the process of getting Advanced Verification on my account and had 2FA enabled, so I can't possibly imagine why I'm suddenly being blackballed. I have thousands of dollars in my account and now I'm losing out on potential gains I would've otherwise made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: MO

Complaint narrative:
Wrong balance reported on my XXXX XXXX credit report I AM NOT over my limit and I would appreciate it not being reported that way. I attached the proof below. Please stop reporting my XXXX balance in error.

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 2023-02-04 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Showing i owe {$9800.00} on auto loan with XXXX XXXX XXXX the true loan balance is {$3900.00}. Also showing XXXX  months of finance but it's was XXXX  months of finance with XXXX  month remaining. Experian is way behind with updates. This is hurting my score and Fico

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 2023-02-04 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: GA

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In XXXX Wells Fargo XXXX XXXX into becoming default on my mortgage, and then refused to help me, and stole my home. 
When I first asked for assistance and proved why I needed it, they told me I would not qualify for a loan modification until I was in active foreclosure. 
They suggested that I become default on my loan, and then they could help me. I did what they said, and then they told me they wouldnt help me and I didnt qualify. At that point they informed me that I needed to pay all my back payments along with late fees. 
Obviously I could not do that since I was begging for a loan modification in the first place. 
These conversations were recorded, and when I asked them to please go back and listen, they told me they wouldnt unless I had the exact date and time of call. 
Wells Fargo set me up to steal my house, and at the time I complained, but they continued to lie and the complaint was closed. 
Apparently they were recently sued for these very practices that I am speaking of. I would like to see if my situation can be added to the lawsuit as it is very clear now that they were setting people up to fail, and I was one of them. I lost my house and had to file for bankruptcy because if it. 
Thank you for this consideration.

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 2023-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: TX

Complaint narrative:
Hello, I have been contacted for a debt that was a workers comp situation and the hospital took all my insurance information. 

I submitted all insurance information upfront. They knew before hand this was a workers comp situation and had requested my insurance before my appointments. I am not sure why I am getting contacted now. This should have been taken care months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: IL

Complaint narrative:
i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS- # XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX HAS VIOLATED MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: MO

Complaint narrative:
My XXXX  XXXX/ XXXX XXXX credit card is being reported as being over the limit. See attached my balance is only {$160.00}. Whats XXXXhe point of paying our bills on time if these companies arent going to report correctly.

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 2023-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
We were contacted by ALLY BANK in XX/XX/XXXX and offered a Forebearance Loan on our 2nd Home Equity Loan. In XX/XX/XXXX ALLY BANK issued letter stating that they were in error offering this forebearance and also that they internally had coded our loan incorrectly- and that we were now 6 months late and the balance due immediately- they also reported us as delinquent to all credit bureaus. Then they sent an agreement with loan payments to start paying balance -however it was dated three months prior ( they sent outdated documents ). We have been contacting ALLY BANK since XX/XX/XXXX to get credit fixed and a current loan agreement. Every time we call we speak to a new agent who says they will send us a new loan modification " package '' - we have repeatedly filled out these loan modification packages with all our bank documents, payrolls statements, tax returns, etc. then when we call to check on status they say the documents need to be resent because they are now outdated- or they say they never got the documents, after we've sent them to the po box address as well as email address they provided- repeatedly. Then they call us each month and the cycle starts all over again with a new agent! Result is our credit scores went from 800 's to low 500 's - credit is ruined ; and husband 's business is now closing because of the negative credit scores and failure to get new business credit. We can never speak to the same person at ALLY BANK - nobody can ever follow up on our documents to get a new loan agreement generated. Extremely frustrating dealing with ALLY BANK. Our credit has been ruined because of their internal errors and mismanagement. 

ALLY LOAN NUMBER : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 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 non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Someone made credit card payment from checking my account, credit card does not belong to me. 
Bank of America checking account # ending XXXX. 
Credit card from Bank of America bill paid to card ending # XXXX, does not belong to me and belong to fraudster. 
Fraud claim with Bank of America # XXXX. 
Please resolve this issue. 
Thank you.

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 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My account continues to be placed on a 'fraud alert ' randomly. I have traveled back and forth between XXXX XXXXXXXX XXXX & XXXXXXXX XXXX. USAA continues to withhold my access to being able to use my debit card and it has left me in precarious and dangerous situations. This most recent incident caused me to have to rebook a car rental and have my maid service cancelled. I authorized payment for both of these items, but USAA again placed a random 'fraud alert ' on my account. They sent me a text message requesting I reply back with a " Y '' ( presumably for 'yes ' ) to let them know these were transactions that I authorized. I did so & nothing was acknowledged. I tried to run the transaction another time & it was again declined & I received another fraud alert placing my debit card on another " freeze '' not even an hour later. 

I tried to discuss this with the bank both in the past and today. Their response is wholly uncooperative and unhelpful. I am told that its for my protection and that's all they can do. In the meantime, I am having my transaction declined randomly and in the middle of trying to conduct business. When the freeze happens, they're system does not even work to accept me saying they are not fraudulent transactions. I spoke with XXXX ID # XXXX today who informed me there is no one else in the bank that I can complain to & that her department is the highest up. She went on to state that she can submit a " customer feedback '', but there was nothing more that can be done. She stated this is happening because I am attempting to use my card at an overseas merchant. I have used the card at the same merchant for the last few months as I have travelled back and forth. The fact that my card is now randomly flagged is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: IL

Complaint narrative:
i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX HAS VIOLATED MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages

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 2023-02-05 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: MS

Complaint narrative:
I submitted a dispute on XX/XX/2023, after several previous disputes, for XXXX collection accounts. 

The first dispute was with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX On my complaint, it had where I could input the correct $ amount, per month, however, I did not do all of them. The credit reporting agency ONLY MODIFIED the account with the information that I, myself, input, The dispute results were readily available the VERY NEXT day, only showing the changes, I, myself, had input the day before. The dispute results were VERIFIED as ACCURATE, however, information not related to the dispute were UPDATED. Please tell me how that is ACCURATE? When the only changes were the dollar amounts that I PUT IN!? How is that an ACCURATE account? I am so fed up with this mess. 

The XXXX account I disputed was with XXXX XXXX  and again, it was VERIFIED as accurate, with some information being MODIFIED. 

If something is MODIFIED, it is CHANGED, which indicates INACCURATE INFORMATION. Just like if you MODIFIY your diet .... YOU ARE MAKING CHANGES! That is ALL the proof anyone needs ..... 

mod~i~fy ( per XXXX XXXX ) make partial or minor changes to ( something ), typically so as to improve it or to make less extreme ( per XXXX  ) - change, alter, vary, to make or become different. 

For them to MODIFY, the information had to have been WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Bread Financial Holdings, Inc.
State: NC

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

15 U.S.C. 1

681 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made multiple attempts to challenge this account, however it has been repeatedly re-added to my record, despite previous deletions by other agencies. This situation is causing me both XXXX  and financial 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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I went to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX on XXXX XXXX, 2023 to open a Certificate of Deposit and Savings Account. When I was told that the XXXX XXXX would have to do a credit inquiry, I told them that I do not consent to a credit inquiry and that I would not like to open any accounts anymore. However, XXXX XXXX XXXX still did an inquiry through TransUnion that showed up on my credit report on that same day. XXXX XXXX XXXX made an inquiry without my authorization or consent. I want this inquiry to be taken off all of my credit reports. I tried contacting XXXX XXXX XXXX about the issue, but nobody would get back to me or assure me that the mistake this would be corrected. 

What XXXX XXXX XXXX did by running a credit inquiry without my consent was a violation of the Fair Credit Reporting Act.

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