vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX account # XXXX is illegally violating 1666b by furnishing late payments on consumer open end credit accounts on my XXXX and EXPERIAN Consumer Files. Also transactions and experiences are excluded from Consumer Files.

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 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I have requested the company examine the Public Service Loan Forgiveness documents I submitted on XX/XX/XXXX in order to discharge my loans, as I have made the required XXXX payments and have served with the U.S. FDA since XX/XX/XXXX I have yet to hear from them on the matter. I have attempted to talk to a live person by both chat and phone, to no avail. Additionally, I have been required to make payments during this timeframe $ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
The company is Barclays bank and the credit card is the jetblue credit card. 

I logged in to my account to find a message saying the account was locked and that i needed to call customer service becuase there were transactions that needed to be reviewed. I called customer service XX/XX/XXXX and was on hold for XXXX  hours and XXXX  minutes. I eventually hung up and decided to call the next day, XX/XX/XXXX. 

I called customer service on XX/XX/XXXX and have been on hold for over XXXX hours already. I sent a message to the customer service team through the online website, but they told me that they can not help me and that i have to call the customer service team. 

I can not get a hold of anyone at this company and can not pay my bill or make any transactions. I need to just get in touch with someone at this company!

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to file a formal complaint against JPMCB regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On XX/XX/2023, I notified JPMCB that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non0verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that JPMCB has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This un-authorization sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this un-authorization sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that JPMCB complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by JPMCB. 
Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian credit report states that there are two late payments. One for the month of XX/XX/2017 and another for the month of XX/XX/2017. Being that I never received any written notifications within 21 days before either of the payments were due ( nor did I receive any other notifications at all whatsoever ) continuing to report them is a direct violation of the 1637b clause of title 15 U.S.C. 1666b of the commerce and trade law.

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 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: CO

Complaint narrative:
I have previously submitted a complaint against this company. They have now ( XX/XX/2024 ) called me more than 7 times in a 7 day period. They call me starting at XXXX & proceed to call every 2 hours or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-19 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank advertises Military Lending Act benefits which was the reason I got the card. I was told the annual we would be waved within the first XXXX  months. With an assistant we have submitted XXXX different claims and each have been denied stating I am not in the military. I provided the XXXX printout and everything asked but they keep saying their system says Im not in the military. I even gave them the reference to my Citibank government ( military ) travel card. Needless to say I have a couple more months before I cancel as the fee is {$490.00}. I never would have gotten it without their advertised benefit.

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 2024-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Hello, I have a XXXX open with DCU Mortgage. 
The XXXX has a limit of XXXX. 
I have taken out XXXX as of today. 
I am looking to pay XXXX back to reduce the loan balance. 
I am trying to pay this amount through electronic funds transfer without having to pay for the wire fee at DCU and at my originating Bank.

I had requested DCU to give me a one time exemption to increase the Online transfer limits to XXXX. 
They are refusing to do this and forcing me to Wire the funds. By refusing to do this they are forcing me to pay additional interest by not giving me a pathway to transfer funds and are also forcing me to wire the funds which means I will incur Wire Fee from my external bank as well as DCU. 
Are they allowed to force to wire the funds only? 
I have attached their email denying the exemption. 

Thanks, 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
I called MOHELA multiple times over the course of the last 18 months. Most recently on XX/XX/XXXX to request an explaination of letter they sent to me following my original complaint that loans listed in forbearance on the MOHELA website should be counted in my PSLF. 

Over the last 18 months MOHELA has placed me on extreme holds lasting upwards of 2 hours waiting to speak to a manager following continually being given different reasons why my loans were not being counted. I was told on many occasions it was due to the loan being defaulted. I contacted the XXXX XXXX XXXX on two occasions and requested the dates my loan had been in default. Those dates were provided in XXXX, they were listed as being rehabilitated in XXXX of XXXX and put back into good standing. There remains a period time between XX/XX/XXXX- XX/XX/XXXX where there is no record of my loan, MOHELA has been unable to share what servicer it was with, as it was moved from XXXX to XXXX to XXXX. The XXXX XXXX XXXX has no record of my loan being defaulted in XXXX until XX/XX/XXXX. I requested MOHELA provide me with the information proving that my loan had been in fact defaulted and what documentation was sent to me, the OWNER of the loan during that time. My address, phone number and email were all accurate for that period of time and on notice was received on my end, no proof has ever been provided, and the XXXX XXXX XXXX has no record of it. 

MOHELA sent me letter on XXXX, XXXX XXXX that included no relevant information to my ask, but was merely a recap of my phone calls and stating the dates they claim I was defaulted. This is not proof of default, words and paper from MOHELA do not prove the loan was defaulted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please reference complaint XXXX. In short, XXXX will not correctly report information on this student loan account. The loan was XXXX in XXXX after my Mother XXXX in XXXX. I was the co-signor on the loan. XXXX confirmed in writing in response to the XXXX complaint that the loan was discharged and that they would report the balance is {$0.00} to the CRA 's. They did not furnish this information to the CRA 's in a timely manner. After XXXX information was reported, I initiated disputes with the CRA 's to correct this information. TransUnion seems to be reporting correctly. 
However, XXXX and XXXX are reporting that I am deceased. XXXX indicated to me today that they had corrected this information internally on XX/XX/year>, but that XXXX furnished information indicating that I am deceased on XX/XX/year>. Disputes with XXXX and XXXX are currently in process to correct this, but XXXX is indicating that XXXX is to blame here. Unfortunately, XXXX is not able to respond to e-mail or phone calls in a timely manner. Hence, seeking the CFPB 's assistance with this.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please reference complaint XXXX. In short, XXXX will not correctly report information on this student loan account. The loan was discharged in XXXX after my Mother XXXX in XXXX. I was the co-signor on the loan. XXXX confirmed in writing in response to the aforementioned complaint that the loan was discharged and that they would report the balance is {$0.00} to the CRA 's. They did not furnish this information to the CRA 's in a timely manner. After XXXX information was reported, I initiated disputes with the CRA 's to correct this information. XXXX seems to be reporting correctly. 
However, XXXX and Equifax are reporting that I am deceased. XXXX indicated to me today that they had corrected this information internally on XX/XX/year>, but that XXXX furnished information indicating that I am deceased on XX/XX/year>. Disputes with XXXX and Equifax are currently in process to correct this, but XXXX is indicating that XXXX is to blame here. Unfortunately, XXXX is not able to respond to e-mail or phone calls in a timely manner. Hence, seeking the CFPB 's assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
you close my case and that is not fair, where can we go for the solution bank look only looking at their benefit. 


We 100 % disagree with your decision. Everything is happening on account of your negligence. 
- When the new ip login happened you did not inform us. You did not take any communication as I am the 1st Account holder. 
- You did not watch my payment history I never paid Big amount to third party We are using only XXXX XXXX, according to the document you sent there was a ip address that access XXXX account the account where the payment went from, XXXX if you track the ip address you can clearly see its from XXXX and its from XXXX where our ip address is from XXXX XXXX Two different companies. How can you say I did this when I am showing you proof there was a different login from a different place. 
- You clearly didnt look into this properly and it is your mistake 100 %. 
We have been doing online banking with XXXX, XXXX XXXX and XXXX bank for the last 10 years. We have very good knowledge to do online banking and we never get any fraud problems. 
Your banking system has a fault so a third person comes into my account and you release payment. I have been holding a steady balance for a longtime and you did not look at the payment style of holding balance and release {$6600.00}? 
- When I went to file a police complaint other people are also losing big money, I found that and they are coming to file a police complaint What is your action against the fraud person still you did not give us a perfect name and address of the person- Did you file a complaint to the internet crime complaint center to recover my money? If yes, give me the supporting documents. 
- Did you file a complaint to the federal bureau of investigation to recover the money? If yes, please give me the supporting documents. 
Please mention your steps and action with the fraud person and communication with any government or police department. 
I dont see any action from your end, you just negligence and took a decision in your bank 's favor. How will we live without money? 
I submitted all supporting documents, Filed police report, did the affidavit etc.. 
You can not close the case until I get my money. You are the organization and have power to fight fraud people - you closing the case means that you are inspiring the scammer to do more and more fraud again and middle class families like us are losing their hardworking saved money.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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