vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 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 explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Im currently having an issue with Capitol One bank. They have allowed, on three different occasions, for transactions to double charge. Ive observed that its the transaction with the tip that is pushed through and the transaction without the tip stays in pending, which appears as a double charge and has sent my account in negative on XXXX different occasions. My account is negative {$130.00}. The first two times it happened. I contacted the merchant and the merchant confirmed. They did not double swipe my card, and there werent any errors with their computer. as long as Ive tipped, Ive never had this issue where the transaction appears twice and sends my account into negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
My phone was stolen and hacked in XX/XX/2023 and used to purchase items at an XXXX XXXX in XXXX XXXX  using the credit cards I had on XXXX XXXX at the time. Discover initially removed the charge from my balance as fraud but ultimately completed an investigation to conclude it was not fraudulent and added the transaction back to my balance. I have spent the last 8 months disputing this charge speaking with several representatives and sending additional support after each interaction in full cooperation with Discovers policies. This support includes ( 1 ) evidence I purchased a new phone, ( 2 ) the email from Discover asking to confirm a separate transaction on the same day with the same merchant but a different amount that they suspected to be fraud to which I confirmed the charge was fraudulent and cancelled my card, they did not send a notification asking if this transaction in question was fraudulent ( 3 ) evidence of my other credit card concluding a similar purchase from the same vendor on the same day was fraudulent ( 4 ) evidence I boarded a flight to XXXX prior to the transaction date and evidence I boarded the return flight after the transaction date ( XXXX ) evidence of my credit fraud reports submitted to XXXX, XXXX and XXXX ( XXXX ) evidence an XXXX XXXX  was opened using my stolen phone without my knowledge and the closing of that account and XXXX and XXXX XXXX XXXX XXXX XXXX. As well as numerous additional forms of evidence requested by the representatives to support my case. 

With each interaction I was assured the additional evidence would prove my case and I should not need to pay the balance as it will swiftly be resolved. Today I was greeted with disrespect and accusations and the representatives bluntly informed me there is nothing I can do and that I am fully responsible for this fraudulent charge regardless of the evidence I have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX 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 XXXXXX/XX/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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2024-01-25 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 I am reporting a fraudulent inquiries found in 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
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
Problems with this company started once loan mortgage was transferred to Select Portfolio. I was paying but loan amount never showed decreased. Contacted by XXXX  who said they saw payments were being made but amount of loan remained the same. I did have issue with a missed payment in XX/XX/XXXX, but would pay extra money each month to get caught up. They didnt break up the payments. I have always paid couple of XXXX XXXX  extra each month which should have gone into escrow but I guess they applied to mortgage. Now they say I am missing a payment in which after I had notified them that this account was closed they kept auto billing this bank. I had new bank forward those payments to them. On one occasion they their continuous auto pay to prior bank they paid amount of that billing. 

I have bank records showing payments. 

I can not talk to them because I get very frustrated because each customer service person gives me a different reason and dates/year. 

When loan was transferred from previous mortgagor I had gotten a modification. Since then my mortgage has doubled that. 

I have copies of mortgage payments made by bank from 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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Hello, CITIBANKS ARE THEIFS THEY ARE HOLDING MY XXXX XXXX  XXXX My funds was locked today for no apparent reason. They said they could not verify my identify for whatever reason but I had and still have ALL of my documents. This account is new even though I previously had an account with Citibank before joint with my dad. I made transfers to two different accounts from my XXXX sacs account but i wanted to transfer the funds i deposited in my citi to my XXXX XXXX  because I had to make a purchase in the process of giving me a cashiers check in my name they locked my account and said theres nothing that can be done. This whole experience is just traumatizing and extremely unfair. I just want my account unfrozen and my money released please 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 non-monetary relief
Consumer complaint received 2024-01-25 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: MI

Complaint narrative:
My SAVE payment is incorrectly calculated, and has been despite multiple attempts to fix this. The current payment displayed by MOHELA is {$520.00}. This is the correct HOUSEHOLD total SAVE payment for the XXXX MOHELA has on file for me. It is not the correct SAVE payment for ME however, since my XXXX  has student loans also under the SAVE program, and we are married filing jointly. My wife 's student loans currently amount to {$10000.00}, and her INDIVIDUAL SAVE payment is {$32.00}. This means that my INDIVIDUAL SAVE payment should be {$490.00} and NOT {$520.00}. 

MOHELA has refused to correct this mistake despite multiple attempts via phone and email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX Ive ordered Macys gift cards # XXXX {$190.00} e-gift card, {$100.00} physical gift card. On XX/XX/XXXX Ive received e-gift card. Per Macys delivery history,2- 3days ( I dont remember exact date ) Ive received physical gift card. Ive contacted to Macys and I let them know I havent received gift card, I requested cancel funds from this card. Ive contacted multiple times, on XX/XX/XXXX and I was assured funds from both cards will be transferred funds from gift cards to my Macys credit card, I was told it will take 7-10 business days. Than Ive contacted again, I was told wait a few more days. 
On XXXX XXXX Ive contacted supervisor, XXXX XXXX, Ive explained my situation, I was told XX/XX/XXXX request did not process. He told me he put manual request and he sent me email. On XX/XX/XXXX Ive contacted supervisor XXXX XXXX, I informed him Im going to file complaint about Macys, he asked me wait until XXXX XXXX and as accommodation issued {$30.00} Macys XXXX XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX, she told me wait until XX/XX/XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX he told me my request declined. I did not receive physical gift card, I did not redeemed e-gift card. After 2 months struggle I lost my {$290.00} ( {$100.00} physical card, {$190.00} e-gift card ).

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 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: TX

Complaint narrative:
Never received correspondence per FDCPA nor right to dispute I had no idea this was a debt Late pay reporting ruining my Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This bank doesnt value me as a customer or my business they never approve me since I opened the card for years for a limit increase Im always told no I dont qualify when I make all my payments in time their system never reviews me their is something wrong with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-01-25 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: TX

Complaint narrative:
Around XX/XX/2024 I was made aware someone used my information to try and open accounts. I also was made aware other accounts were open and sent to collection. Original account holders are XXXX XXXX XXXXXXXX XXXX XXXX, other account is XXXXXXXX XXXX XXXX is another account that was done fraudulently.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 explanation
Consumer complaint received 2024-01-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, a little after XXXX, I got a phone call from a number I did not know, so I ignored it. They immediately called back, and left a message identifying themselves as XXXX XXXX, which sounds like a fake name. I had not received any mail from the company prior to this, and didnt get any written correspondence until about a week later. There had already been a dispute with the creditor ( XXXX  ) about the debt owed, as it was paid by gap insurance after the car was totaled in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Around the first week of XXXX, I called " Transunion '' credit reporting and asked them why their scoring for me was consistently XXXX points lower than XXXX or XXXX. I was told that they use their own method of reporting. I wanted in writing the reason for this inaccuracy. But got no response. I sent a letter the second week of XXXX to Transunion requesting that they fix several inaccuracies and have still received no answer. As of the date of this complaint, my credit score continues to be XXXX points lower with Transunion than the other two agencies. This is not right. There must be some way of investigating to see why Transunion continues to report lower scores then the other companies. Lower reporting of scores cost consumers XXXX XXXX XXXX per year. It affects everything in our lives. This company needs to be held accountable.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 explanation
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help me.

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 2024-01-25 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: DE

Complaint narrative:
Loan payment was made to Mohela on XX/XX/24, however, I received and email from the federal student loan stating that my payments Im behind on my payments which is not true. The wait time to get through is so extensive and then by the time you get someone you get hung up on its terrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief