vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I received a letter from American Accounts & Advisors on XX/XX/22 on a medical debt I pay the hospital directly on. 

This company has taken it upon themselves to report this to my credit illegally. And continue collection efforts even after contacting them regarding their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX there were XXXX unauthorized online transactions made on my Chase Bank account. XXXX transaction was for {$2400.00} and the second was for {$1200.00}. XXXX. I called to notify the bank as these charges were still pending. I was told by the XXXX employee that the transactions had to post before anything could be done about it. I was turned over to the fraud department who then asked me did anyone else have access to my password to this account, to which no one does. This was a savings account I share with my wife, who has her own password. The fraud department discovered that there were XXXX unknown phone numbers that were recently attached to my profile. The numbers never belonged to me, so they deleted them. They told me my account was compromised and changed my savings account number and issued me a new credit card. The bank came back after months of spending time claiming that they don't see any issue with the online transactions. The bank would not give me any information to where the money was transferred to or from what computer the transactions were done on. I have yet to hear anything else on this matter. I filed a police report to try and investigate this case. The detective did find out the unknown phone numbers were to burner phones used in California and law enforcement would not follow up since the crime was from another state. Chase bank did not respond to XXXX XXXX  the detective sent to get more information on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern. 

My name is XXXX XXXX XXXX. I was checking my credit score and I noticed XXXX hard inquiries that I did not make. They were booth on the same day XX/XX/2022. One was reported by Equifax and XXXX by XXXX. 

The Equifax one was showing the inquiry done by " XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX. FL XXXX ''. I tried to contact this agency on the phone number I found online ( XXXX ) XXXX which no one answered. I research that institution online and it says that agency is closed. 

XXXX was showing that inquiry done by " XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I found their phone number and contacted them on ( XXXX ) XXXX ''. They confirmed they received the request but were investigating because they could not confirm it was really myself, they told me I was victim of fraud. They said they would stop the process right away and send a letter to XXXX and to myself. 

I contacted Equifax and they directed me to file a complaint with CFPB for fraud and send them the document. 

Someone used my information with XXXX and XXXX XXXX XXXX. I was victim of fraud. I am contacting XXXX, Equifax, XXXX, XXXX and XXXX XXXX to put a fraud alert. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: WI

Complaint narrative:
I requested a refund under the CARES Act for payments made during the XXXX waiver of {$34000.00} on XX/XX/22. I followed up with a phone call on XX/XX/22 to check that the refund was in process and received confirmation that it was sent to the Department of Education. I have not received any updates or information since XX/XX/22. 

On XX/XX/XXXX I logged into my Fedloan account and all my information has been erased. When I try to call Fedloan, they say that my account has been transferred to XXXX and I can not get hold of a representative because the call ends automatically. I received no information ( email, text, or physical ) that this has happened I found out by chance. 

It has been almost XXXX weeks since I put in my refund request on XX/XX/22 and I am hearing that Fedloan canceled the refund request when they transferred my loan over to XXXX  which I did not authorize them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KS

Complaint narrative:
It fell off my report for a year or so now back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I contacted XXXX 's because I saw that my bill had late fees. When I contacted them they told me that I didn't pay the bill for XXXX billing cycles. I then paid my regular payment amount and have been paying them since I called them to see what the issues were. I also explained to the card company/department store that I was not notified about not receiving payments for XXXX billing cycles, and that I really thought I had paid them. I asked that the interest be removed and told them to make sure they call promptly when a payment is not received. The company removed the interest and has been reporting me as delinquent since my call to them and they have also been having an automotive machine contact me weekly since I initiated the call to them about my billing. I really feel as if the company is not playing fair and that they should have attempted to call me when the bill was not being paid, and at that time I did not get any calls from them. Having been a XXXX customer for about XXXX years, I am angered about the treatment I am receiving from the company. It is very unfortunate that I can not make up the payments missed, but if the company would have reached out to me during the first month that the payment was missed I could have sent it in. I really see that this company does not have their customer 's best interest in mind, and just wants to attack my XXXX XXXX. And to just let you know I have never been late nor missed payments before, so this should have been more than a reason to give me a courtesy call or letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2022-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I asked to skip a payment because I had car issues, the granted me the wish, when I made next payment of XXXX, none went toward loan what so ever, they never mention this to happen, I also asked them to lower interest rate from XXXX percent to something more manageable, was told could not, I either want the money back I paid that did it go for loan, it out it toward the loan

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 2022-10-24 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: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2022-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I called for the first time to request a refund of payments in the amount of {$9900.00}. 
XXXX and was confirmed by the customer service representative that the refund would process in XXXX weeks. 

I have been waiting and have had no updates other than being told on XXXX more occasions when calling on XX/XX/XXXX and XX/XX/XXXX that my balance would update within XXXX weeks still. 

This has been incredibly frustrating and tomorrow makes XXXX weeks, with no balance update and no confirmation of any movement of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime is the company they're backed by stride bank I believe and they took my money. {$500.00} then locked my account and they won't let me back into it I've tried to call in at least 20 times. I've received no reply from anybody at chime. Only automated confirmation or emails

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I called into the call center and made a payment arrangement to pay off the balance in full. I requested a payment to run for XXXX on XXXX  XX/XX/22. Because this would have fallen on my payroll date. I requested the payment to be taken out on my Checking account. Instead they processed the payment on an earlier date XX/XX/22. I called the customer service number XXXX. I advised them of the payment coming out of my account early and I advised that I was also charged a XXXX return check fee from my back. This has over drafted my checking account. They were not interested in making this right and proceeded to advised me that they want payment and would not refund me the full payment and would not be giving me the XXXX I was changed because of it. This is putting me into a hardship situation. The money I did have in my account was to pay for the temporary housing I'm currently living in. Without this money I will be homeless. I'm wanting the funds refunded to me ASAP. I also want the XXXX that was taken early and the XXXX Nsf fee charged by my credit union refunded. As well has any other charges that I may incur because of the mistake. I'm requesting that this item be deleted from my Credit report. Also I'm requesting Wells Fargo bank to Cease and Desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 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: LA

Complaint narrative:
Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation and reinvestigation has expired and shall not be extended by law. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  and Equifax have violated my rights. 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 an account without my written instructions. DELETE these Five ( 5 ) Hard Inquiries immediately. 

XXXX. XXXX XXXX XXXX XXXX ran a credit inquiry on me on XXXX. 
XXXX. XXXX XXXX XXXX ran a credit inquiry on me on XXXX and XXXX. 
XXXX. XXXX XXXX ran a credit inquiry on me on XXXX and XXXX. 

A review of my Equifax Investigation Report # XXXX that the revealed XXXX ( XXXX ) Hard Inquires were not DELETED from my consumer report. I did not give my written permission for anyone to access my consumer report. Pursuant to the FCRA, no one may access my credit report without my written permission for the purpose of extending credit. 

On XX/XX/2022, the CFPB issued an Advisory Opinion concerning permissible purpose required to use and share a consumers credit report.

The FCRA and the CFPB Advisory Opinion states that Equifax must use reasonable procedures to ensure maximum accuracy of permissible purpose. Equifax must furnish documentation of a credit application with proof of signature showing that I indeed applied for credit with this company. These unverified Hard Inquiries are in violation of the FCRA and the XXXX XX/XX/2022, Advisory Opinion concerning permissible purpose required to use and share a consumers credit report. Equifax must DELETE the alleged inquires immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: AXOS FINANCIAL, INC.
State: MA

Complaint narrative:
After doing a bit of research online for best checking accounts my wife and I recently opened a joint Axos Bank account based on the recommendation of a number of reputable sources : XXXX, XXXX, etc. Less than a month later on XX/XX/2022 our account was compromised and a {$2500.00} XXXX transfer was initiated from our account. 

Seeing no obvious way to cancel this online we both tried to contact the bank to stop the payment. She and I spent a collective 8 hours calling phone numbers, and chatting with online chat bots trying to speak with a person to cancel this transaction. 

I was never successful in speaking with a person. She finally got a person on the other end of the online chat who told her to initiate a Stop Payment which cost us {$10.00}. We were told wed get that money back, but how? Who do we contact about that? It is impossible to find someone to speak to at this bank to perform basic tasks and avoid getting charged large sums of money for transfers we didnt initiate. 

After doing additional research online it appears that a huge number of people has also had similar experiences. 

The rise of AI customer support has left consumers wasting time, energy, and money as we try to puzzle our way through menues, and voice recognition software. These services are expanding and helping the consumer less and less. This could have cost us {$2500.00} if we were not paying attention. Outsourcing customer service to robots is not the future, despite what big tech tells us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my Credit Profile and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
FHA Mortgage secured by my primary residence and my Servicer was XXXX XXXX. In XXXX of XXXX, due to COVID I had entered into a forbearance agreement with XXXX XXXX. 

Upon the expiration of the Mortgage Moratorium, I had been approved for a Loan Modification with Freedom Mortgage on XX/XX/XXXX. 

This loan modification was on file with XXXX XXXX, notarized, signed by all parties by XX/XX/XXXX. 

The first payment of the loan modification was due on XX/XX/XXXX. 
I made the first payment as agreed for {$2400.00} Within 30 days, in XXXX of XXXX I was transferred to Mr. Cooper. 
The stated they never received the loan mod docs from XXXX XXXX. 
( **Which was later revealed they were received by Mr. Cooper by another Agent** ) They are NOT honoring the LOAN MODIFICATION from my original servicer. 
They have started foreclosure process- HELP!!! 
I am a Licensed Mortgage Loan Officer in 5 states - I believe I have been a victim of a multiple violations of XXXX XXXX and XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a hard inquiry on my credit from Capital One ( date : XX/XX/22 ) for an unspecified credit line. I did not apply for any credit product through Capital One or any other lender and this is either fraud or an unauthorized credit inquiry.

Company response to consumer: Closed with non-monetary relief