vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 has 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 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 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 2022-10-11 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: MOHELA
State: MO

Complaint narrative:
I need the Master Promissory Note from MOHELA FOR ACCOUNT XXXX. I want to apply for Public Service Loan Forgiveness but have been told my loan is not eligible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
An account under " XXXX XXXX XXXX '' appeared on my credit report. To my knowledge I have received no correspondance from this company. I'm unaware of any debt in this amount and have received no information regarding the supposed debt. I would like this removed from my report until I have been properly contacted and notified of the debt. 

No contract, bill, statement or any such " communication '' has been sent on behalf of this debtor what so ever. I would like this erroneous information removed from my report, as it's hindering to my purchasing power and future credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
On XX/XX/XXXX I called MOHELA and requested a refund of loan payments I made during the COVID pause. XXXX days later on XX/XX/XXXX I called to confirm the timeline and was told I would receive the refund in 30 business days or less. On XX/XX/XXXX I called again to follow up, waited over two hours to speak to someone, and was told that the timeline was now 60-90 days. The representative and their supervisor both said they could see the call record showing I had been quoted 30 days but there was nothing they could do to honor that timeline. I waited more than two more hours trying speak to another supervisor but eventually the MOHELA system hung up on me. 

My loans were paid off in full during the pause - and just prior to the PSLF limited waiver announcement. I am eligible for PSLF under the waiver, and should be able to receive a refund of approximately $ XXXX paid between XXXX and XXXX following my first XXXX qualifying payments. But my COVID pause payments must be refunded first in order to return my account to active status. PSLF forms under the waiver have to be submitted by XX/XX/XXXX. The MOHELA rep who quoted me 30 days for refunding my pandemic pause payments reassured me that I had " plenty of time '' to submit PSLF forms, since it was then late XXXX. Now, more than a month later, if MOHELA does not issue my pandemic pause refund very soon I will have to submit my PSLF forms first, which I am worried will result in a denial of the PSLF refund of overpayments to which I am entitled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Account stating collection with account status of derogatory with date open on XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by experian both are stating a balance of {$440.00} is reporting incorrect. I have tried contacting the bureaus and the creditor to get the situation straightened out and results to the investigation continue to come back and correct. Date last active has been reported by XXXX XXXX as XX/XX/XXXX with experian while experian reports as XX/XX/XXXX. XXXX XXXX is recording a comment on credit report saying account information disputed by consumer meets FCRA requirements. I strongly disagree as there is no possible way that account can be both on collection while derogatory at the same time and having date last active in accurate. There is no way that both bureaus can be right if information is coming from the same furniture data account is being re-aged pushing back the date it should fall off. 
Second account just different account number with XXXX month difference on date open and slightly different balance reporting incorrectly. 

Account is stating collection with derogatory And date open nest XX/XX/XXXX by XXXX XXXX while XXXX report date open as XX/XX/XXXX both with a balance of {$360.00} is reporting incorrectly. Recording day less active as of XX/XX/XXXX to buy XXXX XXXX and XX/XX/XXXX by experian. XXXX XXXX is recording a comment saying account information disputed by consumer meets FCRA I strongly because theres no way that account can be collection interrogatory at the same time and recording an accurate date of last active and date account being open account is being reached pushing back the date it should fall off I do not recall having either of these two accounts especially being just a month apart and to be honest I believe this account is a duplicate Both accounts are reporting exactly the same information with the only difference of account balance and account number being different.

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 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America either sold or transferred my mortgage to XXXX without notifying me and all attempts to obtain information is convoluted and unclear because I always made my payments to BofA. However in XX/XX/2022 they returned my payment, then XXXX started preforclosure on my property in XX/XX/2022. My XXXX  XXXX records show all payments to Bank of America were cashed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 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: TX

Complaint narrative:
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has 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 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 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 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 2022-10-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC
State: FL

Complaint narrative:
I had a VA mortgage with XXXX and decided to refinance my VA loan with New Day USA in XX/XX/XXXX. New Day USA mismanaged the refinance of our mortgage with XXXX. Our property taxes for XXXX were {$2.00}, XXXX. Our proposed property taxes for XXXX are {$2.00}, XXXX. In XX/XX/XXXX New Day USA assessed our property taxes at a little over {$400.00}. This amount was the taxes on the property before a house was built. The correct amount of the property taxes was available to New Day USA through our former mortgage company and also available with the XXXX XXXX XXXX XXXX. As a result New Day USA was not taking out the proper amount to put in our escrow account. The property taxes are due next month in XXXX. Myself and my fiance are on social security and live paycheck to paycheck and do not have any savings to cover the deficit. New Day USA has only {$690.00} in the escrow account so there's a deficit of XXXX, XXXX. New Day USA is making excuses that we had a huge increase on our taxes which is incorrect. There's a potential increase of {$100.00}. So this is clearly a gross mismanagement of our refinance with New Day USA. So a warning to any consumers thinking about doing business with New Day USA I would not!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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:
I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX Account # XXXX. In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has 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.

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 2022-10-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion has multiple opened cases originally dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they have not responded back to me. Fcra states they have 30 days, in extenuating circumstances up to 45 days. Not 60 days at all it's well over 30 days and I have yet to receive any communication regarding my complaint. TransUnion is listed as the source furnisher. TransUnion have received via certified in XX/XX/XXXX XXXX Order Expungement/Restrict Public Access for case. My attorney states, the Court Judgement will sacrifice. They have received ftc affidavit, XXXX Police Report Case # XXXX, XXXX Police Records department to obtain a copy of police report at XXXX XXXX XXXX. 
Letter from bankruptcy Court Clerk Office, Current Copy of my Utility Bill for XX/XX/XXXX, Copy of my Driver 's License, & Social Security Card. All the requirements according to the fcra Rules for Identity Theft. And TransUnion still refuse to remove all the fraudulent inaccurately reporting information from my credit file. This is a violation of my fcra rights.

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 2022-10-11 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: MD

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish can account without my written instructions under 15 USC 's 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 2022-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Looking at the account name First Bank, I don't recognize this account as mine. Please corroborate and fix instantly FIRSTBANK PARTIAL NUMBER ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I originated a loan in XXXX and set up autopay. Most months I see the {$350.00} being removed. Apparently my account was insufficient in XXXX of XXXX. I was laid off at that time for Covid. Every month since then, the money was debited from my account. According to Ally Bank, Ive been behind since then and have been charged $ XXXX. Ally said they never tried to call since they were being paid. I feel that is predatory and thats why I am complaining.

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 2022-10-11 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had to replace one of my business credit cards due to theft and Capital One Bank would not issue the replacement card unless I sent them a photo ID. I refused to send them a photo ID so I closed the account. I lost approximately {$180.00} in cash rewards because they wouldn't give them to me unless I sent a photo ID. A couple of months later ( XX/XX/2022 ) I received a letter from Capital One stating they had received a refund credited back to the account but are holding onto it for 2 months or 2 statement cycles even though the account is closed. Today ( XX/XX/2022 ) I called Capital One to see if they could transfer it into my Capital One Business Checking account and they said no which is fine. After telling me no she tried to do another way of verification and I sat on hold for about 20 minutes while she was trying to find another way to verify my identity. She comes back and tells me she has no other way to verify me and that I have to fax or snail mail a copy of my ID. She told me the photo is not what they need but when I said I was going to black out the picture she told me I couldn't do that. End result is I had to close my business account a couple of months ago and lost out on approximately {$180.00} in cash rewards and I have to send in my ID in order to get the money that was refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Status : Charge-Off Status Update : XX/XX/XXXX Transferred to another lender Purchased by another lender Balance {$0.00} Balance Updated XX/XX/XXXX Credit limit {$1100.00} Account info Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Company sold Original creditor-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I checked my credit report on XX/XX/XXXX and noticed that my score had dropped XXXX points. When /checking to see why it showed that the company JPMCB- JP Morgan Chase Bank Card service updated my payment history. I called this company to ask why this happened 2 different times employees from the company on XX/XX/XXXX once at XXXX and the other at XXXX p.m hung up on me after collecting my social security number. Finally the third time and after speaking with multiple individuals I reached a man who told me that the information that was reported is correct and they have not reported anything to the credit bureaus since XXXX of XXXX. He told me to go to XXXX  and get a true score that my score from XXXX XXXX was wrong. I did what he said and my score on XXXX did in fact match XXXX XXXXs score also the dates of the payment history that was changed which were XXXX of XXXX, XX/XX/XXXX, and so on until XXXX of XXXX. Those dates matched what was on my XXXX The Man told me that they did not report anything since XXXX of XXXX however on XXXX it shows that they reported XXXX XXXX and XXXX XXXX  shows that they reported because if not it would not have updated. This has caused a made a negative impact on my credit score. I tried to explain that to the company that the account has been closed so I don't understand why this should have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I put a dispute in on XX/XX/2022 about information on my credit report about a bankruptcy stating the verifiable with the Bankruptcy courts. I contact the United States Bankruptcy XXXX XXXX XXXX XXXX Georgia stating the Bankruptcy can not communicate with Credit reporting agencies. Bankruptcy court letter included in this complaint.

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