vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
It was some small unauthorized deposits made into my account that I had any control of or anything to do with. I never did business with these people and I have no idea why this happened. In result Navy federal closed down my XXXX  account permanently. I feel this was very unfair for me to get punished for something I had no control over. I feel the bank is supposed to protect my money not punish me for my account being hacked. I very upset with this matter. I can't believe what has happened. I want to matter looked into, and I want to make sure I report to matter because now I feel is my money is not safe with institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: FL

Complaint narrative:
Please update all my personal info

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 2022-11-22 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed with the bureaus on XX/XX/2022, and XX/XX/2022 but they did not remove the items below. 

Sec. 602 FCRA States " I Have A Right To Privacy 'XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2022-11-22 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed with the bureaus on XX/XX/2022, and XX/XX/2022 but they did not remove the items below. 

Sec. 602 FCRA States " I Have A Right To Privacy '' 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

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 2022-11-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have attempted for the past 2 years ( XXXX present day in 2022 ) to obtain a copy of my XXXX credit report by either submitting ( 1 ) several formal written requests via XXXX, ( 2 ) several formal written requests directly to XXXX, and ( 3 ) even signing up for the XXXX XXXX XXXX XXXX XXXX all to no avail. Each and every time I attempt to obtain a copy of my credit report or otherwise attempt to access my credit report online, the XXXX website renders an error message that my report can not be obtained via the online request. Regarding my written request, XXXX has either remained wholly unresponsive or has otherwise sent me a letter stating that my report can not be provided, and this is despite the express fact that I have provided all necessary documentation to verify my identity. I have had only minimal access to my report through third party credit monitoring apps like XXXX XXXX and XXXX XXXX, but they are not complete files. XXXX has even suspended my credit monitoring service altogether. I suspect that XXXX is engaging this pattern and practice of fraud and bad faith business practices because I have filed complaints against them before. Their conduct is unlawfully retaliatory. I have also not had access to manage my freeze that I added prior to the pandemic.

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 2022-11-22 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: Nelnet, Inc.
State: NC

Complaint narrative:
Late last year ( XXXX ) I received a notification from Federal Student Aid that my new servicer would be Nelnet. This is/was my last academic year of law school, so that notification was not unusual considering that my loan deferment will end with my completion of XXXX XXXX. However, my loans remain lawfully in deferment or otherwise are not due until 6 months thereafter, which is XX/XX/XXXX. I have responded to all of Nelnet 's communication. I have activated my online account with them. I even noticed that Nelnet reported tat they are my new loan servicer on my XXXX report. I have satisfactorily managed my student loans, and thus the record of my loans on my credit is excellent. Nelnet initially similarly that my loans were in great standing and otherwise in deferment. However, on XX/XX/XXXX, I received a notification through XXXX XXXX and XXXX that my XXXX XXXX dropped XXXX points due to a new status report from Nelnet. The notification provided no further details regarding the " new status, '' except " remark code removed, '' but clearly such status is negatively impacting my report. Not one of these agencies has explained the exact reason for the negative status report, which is notably inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: NY

Complaint narrative:
This is not my car load this is a fraud account the car belong to XXXXXXXX XXXX XXXX I dont have this car it was electronic sign I never signed nothing

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 2022-11-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize these inquiries on my personal credit. 
Some duplicates are from car dealers that I did not give them permission to check my credit. 

EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX 2023

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 2022-11-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Late last year ( XXXX ) I received a notification from Federal Student Aid that my new servicer would be XXXX. This is/was my last academic year of XXXX school, so that notification was not unusual considering that my loan deferment will end with my completion of XXXX school. However, my loans remain lawfully in deferment or otherwise are not due until XXXX months thereafter, which is XX/XX/XXXX. I have responded to all of XXXX 's communication. I have activated my online account with them. I even noticed that XXXX reported tat they are my new loan servicer on my Equifax report. I have satisfactorily managed my student loans, and thus the record of my loans on my credit is excellent. XXXX initially similarly that my loans were in great standing and otherwise in deferment. However, on XX/XX/XXXX, I received a notification through XXXX XXXX and Equifax that my credit score dropped XXXX points due to a new status report from XXXX. The notification provided no further details regarding the " new status, '' except " remark code removed, '' but clearly such status is negatively impacting my report. Not XXXX of these agencies has explained the exact reason for the negative status report, which is notably inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-22 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
THEFT BY FINANCIAL INSTITUTION. 
Re NEW REZ ( formerly DITECH ). On XX/XX/2022 Regular payment in amount of {$1800.00} and additional payment of {$6500.00} as principal reduction was debited from my Bank totaling {$8400.00}. When I received XXXX statement amount of {$1800.00} was posted as regular payment only. On XX/XX/XXXX I called NEW REZ customer service asking why additional principal payment is not reflected on my mortgage statement and Customer service representative said that they do not have any information about any additional funds which I have made and they have dismissed my inquiry. 

This is not a first occurrence with DITECH perhaps such conduct put that company into the bankruptcy few years ago. NEW REZ is on the same path. 

What happened to {$6500.00}?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Freedom Mortgage bought my loan in XXXX of 2021. Since it has been nothing but a cascade of issues like i have never experienced in the 5 years i paid this same loan to XXXX other mortgage company. 
XXXX, they purchase my loan, never send me a welcome lettter, and leave me scrambling to pay my loan on time to them as i dont even know who i am paying it to? 
XXXX I get notice that none of my taxes or home owners insurance has been paid as it should out of escrow. in the two months they have my loan i have now had to call each month to get them to do their job. 
XXXX I am notified they are increasing my mortgagepayment by {$78.00} for the next 12 months because the cushion in my escrow account is short {$430.00} dollars, now anyone past 5 th grade knows that XXXX is more than XXXX. But They are quoting a law, stating they are right,. and increasing my mortgage for the first time in 5 years. seems very suspect XXXX brings a billing statement from this company stating that my monthly payment is {$0.00} of course when i call the automated system they state i owe my newly increased usual monthly payment. Is this not predatory > to send out a false billing statement. to hope a home owner doesnt pay their loan on time > to initiate them doing so by sending them false and misleading statements? and never correcting them > I want anyone else to service my loan and I would love this company shut down

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 2022-11-22 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
There are 48 inquires on my credit report that I have no knowledge of starting from XXXX until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
Freedom FinancialXXXX XXXX XXXX tried to make a principal payment- the system will not let me. They will not take the payment over the phone. This is a simple interest account so if I make principal payments they get less interest- they will not transfer to a supervisor. They tell me they can not accept the principal payment until I make the next month 's full payment. In addition, I asked for a complete accounting of where and how the money was distributed and they could not give me one. This is highway robbery. How can a company stop you from making a principal reduction payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: LEXISNEXIS
State: NJ

Complaint narrative:
Good afternoon, I contact lexisnexis in order to correct my address because in their report continues to place me in different past addresses except for my current address. I upload all the documents they ask. and they sent me a letter saying they need more documents and the documents I sent can be read. I resend all documents and more of the information they ask. and receive a second letter asking for me to go into a website that they provide but nothing can be done in the website. Im see that they just try to give me the run around until I get tired and give up, I just need the correct address on my report I dont need a soup of address except for my current address. that is simple only my current address should be in my report. Please if possible I like them to fix the issue and send you the proof that the situation is resolve. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I was applying for a Southwest Airlines credit card through Chase and when applying all my information was inputted and I submitted the application I got notified that they needed proof of my date of birth and proof of current address I submitted my temporary driver license due to me renewing my license and in the state of Oklahoma they hand you a paper copy of your license and mail the actual drivers license in the mail to address. I applied for this credit card on Thursday XX/XX/XXXX. I was denied because they would not accept what is a legal document in the state of Oklahoma that showed proof of both my date of birth and current physical address. I called company numerous of times and explained to them that is a legal document that was submitted.

Company response to consumer: Closed with explanation