vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient is the student loan service. I've called several times, each time being handed off to more that 6 representatives each not being able to service my call. I've submitted a complaint at Navient, attaching the billing with fees in question, received a callback however my return calls leaving messages have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/22 around XXXX, I searched online for a hotel reservation in XXXX XXXX SC for XX/XX/22. I found one on XXXX and submitted for reserving a room for XX/XX/22 and paid {$190.00} for it through PayPal. When my wife and I arrived at the hotel on XX/XX/22 we were told we had not reservation. I showed the confirmation and was told that was for the night before, XX/XX/22. I disputed this with the hotel ( XXXX ) and was told to contact XXXX. I contacted XXXX and submitted my dispute. They said it would take some time to process. My wife and I went to another hotel and paid for a nights stay. I contacted XXXX for several days without any resolution. I then filed a dispute with PayPal for a refund. After approximately one month I received no resolution. I then went to my bank, XXXX XXXX XXXXXXXX and filed a dispute. My bank was able to resolve and refund my amount. I now am trying to close my PayPal account but PayPal has placed limitation on the account and refuses to allow me to close this account after numerous attempts to close. I am filing this complaint to make PayPal aware they need to close my account immediately as I do not want an open account with this company any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have multiple IRA High Yield CDs that keep renewing. I can not get anyone on the phone ( wait times are hours long ) or on chats ( the bots do not understand my request or they say the wait times are 30-60 minutes when they are even longer than that ). When I try to close the account and request distributions, the website says this can not be processed at this time. I should be able to close my accounts without penalty because I am getting only 1.5 % on some of my money and it KEEPS renewing. They keep saying the customer service is swamped which is probably true, but my finances are being affected by their under hiring. Additionally sometimes when I call, the calls just hang up on me after a certain period of time. This is unacceptable for a bank or any trusted financial institution.

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 2022-09-30 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I made a transaction with a merchant ( XXXX ) that used 4 hours of my time ( Staffing shortages, Hold times, etc. ) on XX/XX/2022. I used my personal Chase ( Amazon ) Visa CC to pay said merchant over phone. Two days later ( XXXX XXXX 2022 ) I received an " alert '' from Chase via txt msg on my personal phone informing me of a declined charge. Chase did not give the name of the merchant, phone number of merchant, or any other description, so I was not able to confirm or deny the transaction. Chase also sent me an email to my email address on file XXXX XXXX 2022 and again included no identifying details other than an amount billed. After some research, I was able to match the amount of the disputed charge with an approved merchant and approved the transaction on the email webpage provided. Chase would not acknowledge my approval, and instructed me to call their office. 

I called Chase ( XXXX ) as instructed at XXXX mountain on XXXX XXXX. I was hung up on by the agent. I called Chase back at XXXX for help. Chase could not give me the correct contact information, or the name of the vendor in question. I was instructed by Chase to do my own research, and contact them ( Chase ) and either approve or deny the disputed charge upon completion of my research. I again did my research and called Chase to approve the purchase at XXXX XXXX XXXX. I explained to the agent that Chase 's failure to provide any supporting merchant information, and the fact that they would not acknowledge my email was putting an unreasonable burden on me because of the lack of disclosure on Chase 's part and refusal to approve the purchase. This " third '' agent apologized and informed me that she would contact this merchant while I was on hold and approve the transaction directly. The agent lied. She did not contact the merchant, but instead " patched '' me through to the merchant and I was on hold for another 47 minutes with the merchant ( not Chase, Chase hung up on me ). The Chase agent hung up and left the call as soon as she said she would approve the transaction with the Merchant ( XXXX XXXX ) After refusal of help from Chase, I called the merchant and using another 40 minutes of my time, cancelled the " disputed '' order and made another duplicate order using a different Credit card. 

At XXXX I again called Chase ( Amazon ) and visited with XXXX. XXXX elevated my call to her " supervisor '' XXXX. I explained to XXXX that Chase 's negligence in failing to give me detailed merchant information, refusing to follow my order of approval through my email, disconnecting two separate phone calls caused me an unreasonable burden and was unethical banking. I informed him that I planned on filing this complaint. XXXX informed me he was sorry. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: TX

Complaint narrative:
I'm writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 for my personal loan. Account number XXXX 

When I paid this account in full and on time. I have my bills on autopay and when I checked my credit report months after the incident my credit score has taken a massive dip. I did not receive any follow ups from affirm about warning me close to my payment date and so I was in the impression that I didn't miss any payments and everything was paid on time and full until I saw this report on my credit report. 

Experian is infringing my privacy and showing this report to market to other lenders and during the investigation, was not able to show me the proof of CONTRACT with my signature that was made between me and XXXX. According to the consumer laws information that is inaccurate and unverifiable must be deleted items from my consumer report immediately. Experian has blatantly broken THE CONSUMER LAWS. 

( XXXX XXXXXXXX ACCOUNT : 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 2022-09-30 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: GA

Complaint narrative:
I submitted a dispute on XX/XX/XXXX with XXXX through the cfpb about the furnished accounts on my consumer report. 

XXXX came back and said all the accounts that were disputed were verified as accurate and updated. 

the accounts are not verified and they are not accurate. 

I pulled all 3 credit reports again after my dispute results came back and accounts are still showing improper information amongst all bureaus. 

Please See the errors they are constantly reporting! I've attached proof of these errors as well Account Name XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX shows a balance of {$950.00} Experian shows a balance of {$850.00} XXXX shows the account being late beginning in XX/XX/XXXX Experian shows the account being late beginning in XX/XX/XXXX It's obvious that the account has not been verified as XXXX stated and they are reporting info that's damaging me. I'm trying to buy a home and my well-being is at jeopardy There is apparent neglect going on because I've already asked them to verify and they did not Delete this Closed account immediately According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these alleged debts by providing me with a contract bearing my signature and the documentation allowing them to purchase my debt from the original creditor. I have never given anyone permission to purchase my debt nor do I have any knowledge of these accounts. Please review the attached accounts.

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these alleged debts by providing me with a contract bearing my signature and the documentation allowing them to purchase my debt from the original creditor. I have never given anyone permission to purchase my debt nor do I have any knowledge of these accounts. Please review the attached accounts.

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 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
Regarding PHH Case : XXXX. CFPB Case ID : XXXX In the response for this case, PHH admitted they had processed my 2021 taxes in error to the wrong account. PHH transferred service to XXXX XXXX. They stated that amount of XXXX would be sent to XXXX XXXX  to be applied to my account. 

XXXX XXXX  has NOT received this payment. I have not received a payment. I had to make this payment out of pocket due to everyone 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/service. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Received and email from Bank of America stating that I have been approved for a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, along with a secondary email asking to confirm my email. I believed this to be Spam but then received a text message " welcoming me to Bank of America '' with a link. The email stated if it this was suspicious activity then forward to XXXX which I did. I then reviewed my credit on XXXX where I saw a hard inquiry from Bank of America in XXXX XXXX, TX on XX/XX/22. I phoned XXXX to put a fraud alert, disputed the inquiry, and phoned Bank of America because this was not an inquiry I requested. I believe someone is using my information to apply for credit.

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  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 DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/service. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TransUnion credit reporting service is charging my credit card {$27.00} per month and has refused to cancel my account. I tried to log into my account online on XX/XX/XXXX but it would not log me in. I tried the " forgot my login information '' button, entered my social security number twice and last name as indicated, and it blanked the fields. I tried again multiple times and it did the same thing. Today, XX/XX/XXXX, I tried that same process again and it failed again. I then called the TransUnion customer support number. The automated system asked me approximately ten questions to verify my identity, all personal information, which I answered correctly. It then patched me through to " XXXX XXXX, who I told to cancel my account. When he began asking me questions about why, and so forth, I told XXXX not to ask my sales questions but to simply cancel my account now. XXXX replied that their system was at that time going through a " system upgrade '' and that my account could not be pulled up. I insisted that XXXX and TransUnion close my account immediately. XXXX hung up on me. It is not believable that TransUnion would make its customer account information unavailable to its service representatives during business hours when TransUnion advertises that their customer service lines are available. Nor is it believable that my account information would not be available when the automated phone system had just accessed a great deal of my confidential personal information to verify my identity.

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 2022-09-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report an account a inquiry that was obtained without my consent. I have no knowledge of the account along with the inquiry that shown up my credit report. I have filed another police report and an FTC report due to these fraudulent transactions. Experian has not done anything to fix the situation, hoe are these accounts even coming back verified when I did not authorize XXXX XXXX ever to run my name or issue a account in my name. 

FTC report number : XXXX I have also attached another coy of my police report that the specialist I spoke to this morning with Experian claims they do not have on file.

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 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We have been trying to get assistance with our payments for over 3 months and every time we talk to someone we get told to call back in two weeks for a decision and then we get a letter in the mail stating we received your request for mortgage assistance. Our monthly mortgage payment increased {$250.00}, since COVID hit we have been having financial hardship in making this payment, we can not get them to accept a payment plan or refinance the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/service. Ive been a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation