vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX ( Original Creditor : 01 XXXX XXXX A ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX  ) XXXX : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00}

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 explanation
Consumer complaint received 2023-02-11 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$740.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX I opened up a savings account with Capital One. I transferred {$15000.00} from my personal bank account into this new Capital One savings account called XXXX XXXXXXXX. 

Several weeks later, sometime in mid XXXX, I noticed a message on the app regarding this Capital One savings account. The message on the app said '' you are funds are currently not available for withdrawal. Please call us at XXXX. '' I tried to call this number at least once or twice in that week and did not receive an answer. No person answered the line. 

I called again on XXXX XXXX and finally spoke to a representative and then the manager, both who told me the appropriate department that I needed to speak to in order to remove the hold on my savings account was not available that day. 

I called again on XX/XX/XXXX and again spoke to a representative. Again they told me the security department was not available to speak to me. So my savings account remained frozen. 

On XX/XX/XXXX, I called the security department directly. I got disconnected first time. So I Called again -- -- second guy hung up. Called a third time and spoke to XXXX ( # XXXX ) Put me on hold for XXXX min when I asked what I had to do in order to remove the freeze on my savings account. 

She sent me a link and said that I needed to upload my driver 's license to verify my identity. I did that. We also called my bank which is where I had transferred the {$15000.00} from and we spoke to one of my bank representatives to further verify my identity.

At that point, it was my impression that I was done doing everything I needed to do in order to have access to the money in my Capital One savings account.

However, I checked my account several weeks later and there was still a hold on my savings account. So on XX/XX/XXXX I called Capital One again and asked them why I still had a hold on the account. Even though I had already verified my identity. The representative told me that I needed to go in person to a Capital One brand and verify my identity in person with my driver 's license. 

On XX/XX/XXXX, I went into a Capital One branch and spoke to a representative named XXXX about the situation. He found my Capital One account on his computer and was able to verify my identity using my driver 's license. However, he had to go on the phone with somebody else from Capital One and this woman told me that although I had gone in person with my ID, my savings account frees still could not be removed. She said something about meeting further investigation before the freeze was removed. 

I told her this was unacceptable, as I had put my money in that account 3 months ago now. And I also verified with XXXX that during the 3 months that my XXXX XXXX dollars has been frozen in the Capital One savings account, I have received {$0.00} in interest on my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX9 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXX A ) XXXX XXXX : {$1200.00} XXXX XXXX ( XXXX Creditor : 01 XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}

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 non-monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint responded with all the payments I paid. But, said it didn't matter when I paid my payments. I had to be charged the full 30 days of interest. I wanted to ask for your help to confirm if that is true. Why did they send me information to do biweekly if my loan is not eligible? 

I came to this site for help. To tell me if they are being legit or not. 

I want them to show me where they applied my payments to save on interest. 

Please let me know if you can help with loan terminology. 

I have never went through anything like this before. If I'm better off paying once a month? 

Thank you for any information you can provide. 
XXXX 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 2023-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XX/XX/XXXX I was contacted by Ally Financial in regards to my ex-husband XXXX XXXX XXXX. I explained that we are divorced and the rep kept asking for more information. This is unacceptable. He used to XXXX XXXX  and had XXXX XXXX so not only was it extremely triggering, this company found my new phone number and decided to contact me using it. I have been divorced from XXXX XXXX XXXX since XXXX, whatever debt he had incurred after being kicked out of the XXXX is not my problem or my concern. Let alone contacting me about my XXXX XXXX on a Saturday morning. It is extremely unprofessional and a cease and desist has been sent via-email to Ally Financial, if this continues I will be seeking legal counsel. I am in no way involved with his debts and I have never had any dealings with Ally Financial.

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 2023-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00}

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 non-monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: MORGAN STANLEY & CO. LLC
State: VT

Complaint narrative:
I contacted ETrade Bank by secure messages, live chat, and phone numerous times already over the past month over this issue, and I still see one of the {$25.00} fees not being reversed, despite their claims otherwise. This is a continuation of a previous case I filed with you ( # XXXX ). 

Facts : On XX/XX/2023 someone hacked into my account and wired out nearly the entire content of it without my consent or authorization, causing also a wire transfer fee to be charged. Note the unauthorized transfers of {$3300.00} and {$25.00} on that day. 

On XX/XX/2023 a previously written check # XXXX in the amount of {$76.00} was posted and was returned for insufficient funds, causing also a fee of {$25.00} to be charged. 

On XX/XX/2023 that fee was reversed. 

On XX/XX/2023 check # XXXX was presented again and paid. 

On XX/XX/2023 the fraudulent transfer of {$3300.00} was reversed and credited back to the account. 

However, the wire transfer fee of {$25.00} was not reversed and credited back at that time. And it was still not refunded until this day. 

As this fee was caused by fraudulent activity that was reversed by now, the fee also needs to be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2023 Ive received a hard inquiry on my credit report to all 3 credit bureaus.XXXX XX/XX/2023. I called capitol one stating that it was fraudulent and I had no knowledge of any application for a credit card and someone is using my name for financial gain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : US DEPT ED XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$3200.00} US DEPT ED XXXX Balance : {$1800.00} US DEPT ED XXXX Balance : {$2400.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$4100.00} US DEPT ED XXXX XXXX : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00}

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 explanation
Consumer complaint received 2023-02-11 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: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : DP OF EDUC XXXX Balance : {$1300.00} DP OF EDUC XXXX Balance : {$2400.00} DP OF EDUC XXXX Balance : {$1800.00} DP OF EDUC XXXX Balance : {$2400.00} DP OF EDUC XXXX Balance : {$790.00} DP OF EDUC XXXX Balance : {$3200.00} DP OF EDUC XXXX Balance : {$4100.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} DP OF EDUC XXXX Balance : {$1400.00} DP OF EDUC XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I need help dealing with these credit reporting companies, reporting inaccurate information on my credit report, I do not have the resources necessary to send to all credit reporting agencies to change or stop reporting false information, and because of this, I am unable to get my basic needs met, as an XXXX XXXX, what can I do?? - I need them to stop reporting bad addresses and corporations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: DC

Complaint narrative:
The closed account " XXXX XXXX XXXX '' Account number XXXXXXXX XXXXXXXX is being reported as a closed mortgage account with the status " Foreclosure process started. '' THIS WAS NOT A MORTGAGE ACCOUNT. THERE WAS NO FORECLOSURE. It stems from a debt I owed to the US government due to being overpaid for a period of time ( unbeknownst to me until I got a debt collection letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
My ex-husbands, his wife name is the same as mine and I believe her things were included with mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I setup a monthly payment with portfolio recovery. All of a sudden after the 3rd payment the payment amount went up against my consent to do so and against our original agreement, and then i continued to get texts and phone calls stating my payment arrangement had a problem. I have been called at XXXX XXXX  and at XXXX. I have been called consistently throughout the day, even on weekends and sundays due to them breaking our payment agreement. It is affecting my workdays and my after work rest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 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: MD

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CHASE bank is reporting a credit card account on my credit reports that are NOT mine. I have reached out on several occasions requesting proof that I am an XXXX or owner of the corporation who the account was opened for. They have yet to provide such proof. In addition their employees are misinforming and breaking CHASE policies listed on their website. Only an owner, XXXX of the company or XXXX with POA can open an account. I have also written to the credit bureaus requesting this account be removed from my credit report as it has damaged my EXCELLENT credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IN

Complaint narrative:
On XX/XX/XXXX, I contact Ed Financial Services via email and requested my prior servicing history. From XXXX - XXXX, my loans were serviced by XXXX XXXX XXXX and were transferred to Ed Financial Services on XX/XX/XXXX. The email I received from Ed Financial on XX/XX/XXXX stated that they would send me my full payment history in XXXX XXXX days. I never received it. 

In XX/XX/XXXX, my loans were transferred from Ed Financial to XXXX. XXXX is unable to approve my public service loan forgiveness application because they are waiting on my payment history from XXXX - XXXX. Ed Financial Services has not provided them with this information. Ed Financial Services should have received this information when my loans were transferred to them in XX/XX/XXXX.

Company response to consumer: Closed with explanation