vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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 — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
incorporate prior case numbers by reference : XXXX & XXXX We, as the consumer, are still trying to seek information from Truist. Specifically, if we, as I previously tried to obtain, had the information regarding the time of the transactions and the location of the vendor where the fraud was committed, we could, for example, file a police report in XXXX, SC. Truist refuses to complete a " reasonable investigation '' into the fraud committed on our credit card ( specific charges specifically identified in prior case numbers ). We did not make these charges. 

Additionally, we went into a local branch of Truist bank to try and obtain the aforementioned information, and which card was specifically used for each transaction, and they said a representative would contact me and that has not happened. Our online account showed the transactions for both card. The online banking does not differentiate b/t the XXXX cards. 

With kind regards, 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 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/2022, I made a withdrawal of {$31000.00} from my Interactive Brokers brokerage account to my bank account with XXXX XXXX XXXX XXXX XXXX ). But my transfer was blocked by a JPMorgan Chase correspondent bank. since then, this bank has not officially notified me of the reasons for the blocking and has not given any official answer to where exactly my money is and what the blocking status is. this bank did not communicate with me directly. I can only communicate with him through Interactive Brokers. But Interactive Brokers didn't help me with my problem either. ( they, as the sending bank, do not want to bear any responsibility for this transfer, can not provide any official documents and provide conflicting advice that does not help. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: FL

Complaint narrative:
There is information on my credit report that does not belong to me. The company does not follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as required by 15U.S.C 1681e ( b ) also they are reporting collections accounts which no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collection pursuant 15 U.S.C 1681c ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This is a formal complaint regarding a private student loan account with Navient XXXX XXXX At present, Navient has sent threatening/intimidating mail and has routinely harassed authorized representative about the account. Navient uses different auto dialer programs from random numbers in Washington, New York, and Pennsylvania with attempts to bully/intimidate this account representative and co-signor. This is a violation of 15 USC Code 1692d et seq.-Harrassment or abuse. Navient has received corrective notification via online portal that this authorized representative has exclusive POA  of this account. XXXX XXXX has been appointed fiduciary of this account. In addition, I have common law copyright of the all caps ENTITY and and have FULL FAITH AND CREDIT of the BC. I, as the living woman, was never given full disclosure that my living human was being used as a transmitting utility for the fictitious ENTITY created via the registration of birth certificate by the bankrupt UNITED STATES OF AMERICA XXXX. As a result, I am correcting all ENTITLEMENTS of use of this BC and SSN account which includes NAVIENT. In addition, I have sent documents reflecting the harassment and lack of cooperation with NAVIENT to correct this account. These documents have been sent to all branches of IRS regarding fraud, the DIVISION OF DEPOSITOR AND CONSUMER PROTECTION of the FDIC, and the SECURITIES AND EXCHANGE COMMISSION as formal complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Manley Deas & Kochalski LLC
State: IN

Complaint narrative:
I have submitted a Request for Mortgage Assistance ( XXXX ) along with every document requested to bring this mortgage up to date. I was waiting for two years for the mortgage company 's underwriters to accept the legal documentation submitted by my attorney for the deed to my home. 

My home has been put on the Sheriffs sale list 3 times now. This mortgage company 's attorneys have not done any research on my account. If they had they would see that I am waiting on their underwriters to do their job. 

I can not sleep or eat. This whole situation has given me XXXX XXXX. I have done EVERYTHING possible to take care of this problem. The mortgage company 's attorneys just keep on filing. This whole situation is due to the lack of knowledge, professionalism and legality of the mortgage company and their underwriters and attorneys.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to law 15 U.S.C. 1681 SECTION 602A- Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2- Consumer Report Agency can not furnish an account without my written instructions. 

I have request several times for these accounts to be proven or removed from my report and have requested the original copies. Please prove these accounts not by the automated system. I have disagreed with the credit bureaus and creditors las investigation on XXXX XXXX XXXX XXXX  with no response at all. My rights have been violated and the bureaus have not done a through investigation according to the law. 

Please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX and I am a victim of Identity Theft. I have recently obtained a copy of my credit report and the information does not relate to any transaction that i have made and has incorrect addresses. I am requesting that the credit bureaus completely block and remove this incorrect unknown information from 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 2023-01-03 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was pressured into applying for a loan amount I did not need! I asked for {$15000.00} and the agent applied for {$45000.00}. I feel I was not approved because of false and misleading information on my report and the amount, that I did not want!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc.
State: LA

Complaint narrative:
I have been a victim of identity theft, Im assuming it was due to the data breach XXXX had recently.. Now my information is being used. I Have a collection from Synerprise Consulting ( XXXX XXXX XXXX ), and a hard inquiry from XXXX XXXX had given me the run around for months now. I am preparing to take them to court if this does not get resolved soon..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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:
On XX/XX/2022, i requested a home mortgage from XXXX XXXX Mortgage, XXXX. A company named XXXX XXXX appeared on my consumer report on XX/XX/2022 and again on XX/XX/2022. When i spoke with a manager from XXXX XXXX Mortgage XXXX XXXX, she informed me she was pretty sure its the credit scoXXXX. I cant find information on the company and she, XXXX XXXX, stated it was a XXXX XXXX and XXXX XXXX Mortgage, XXXX falls under the umbrella of XXXX XXXX XXXX XXXX I asked her since there was no exchange, if they could remove the inquiry. She said no This is unauthorized use of my credit card. Theyre reporting on my consumer report and I received no benefit. If anything, this may damage me when I apply for another as my family needs a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is information on my credit report that does not belong to me. The company does not follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as required by 15U.S.C 1681e ( b ) also they are reporting collections accounts which no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collection pursuant 15 U.S.C 1681c ( 4 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Im accordance with the fair credit reporting act Comenity Bank Victorias Secret has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I contacted Mohela on XX/XX/XXXX to complain and get this corrected : Mohela is applying my employer contribution of XXXX to the interest. 
They apparently started doing this in XX/XX/XXXX. I just noticed. 
They stated they sent an email out and said I could not change it. 
They said it is now a 'policy ' if the payment is not made on the exact same date as my payment, it will now go to interest and there is nothing I can do about it. 
They know that this is not possible to line up all employer contributions to go on the same day as the payment. Besides the fact that I am XXXX XXXX XXXX and have $ XXXX in student loans that I am trying to pay back, this small contribution that my employer makes on my behalf should be applied to the principal as was the intention when this program was initiated. I think it is a complete scam that they 'changed " their policy. This contribution was to ease the burden of the student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
This XXXX XXXX XXXX XXXX XXXX ) XXXX card financial institution was changed from XXXX to Comenity Bank in XX/XX/XXXX. ( As background ) on XX/XX/XXXX, payment of {$230.00} was sent via XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx XXXX. The payment was credited to my XXXX account and debited from my XXXX checking account. On XX/XX/XXXX, payment of {$2600.00} was sent via the same bill payer service to the same payee at the same address. The status of that payment currently is Delivered in my bill payer account. The payment was due on XXXX XXXX XXXX Per the bill payer the payment should have been received no later than XXXX  To date my account has not been credited. I have been informed that late penalties have been assessed and a status of overdue has been assigned to my account. 
In addition, I have called Comenity Bank Customer Service multiple times in attempts to obtain access to their website. Ive spoken with five representatives and still havent been able to access the website. 
Ive written a letter disputing the overdue status and late fees. Ive notified XXXX XXXX XXXX and XXXX. 

Ive been told by XXXX that many people have contacted them with the same complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 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: FL

Complaint narrative:
There is information on my credit report that does not belong to me. The company does not follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as required by 15U.S.C 1681e ( b ) also they are reporting collections accounts which no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collection pursuant 15 U.S.C 1681c ( 4 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: GA

Complaint narrative:
XXXX XXXX XXXX  In accordance with the fair credit reporting act this account is violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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: CA

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 15 USC 1681. 

Account name : XXXX  XXXX, Account # XXXX. Account name : XXXX XXXXXXXX # XXXX. Account name : XXXX, Account # XXXX, Account name : XXXX # XXXX, Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX XXXX XXXXXXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX. Account # XXXX. Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX. Account XXXX : XXXX XXXX XXXX, Account XXXX : XXXX. Account name : XXXX, Account 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 XXXX 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 2023-01-03 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: Convergent Resources, Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent accounts below violated my rights to law 15 U.S.C. 1681 SECTION 602A- Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2- Consumer Report Agency can not furnish an account without my written instructions. 

I have request several times for these accounts to be proven or removed from my report and have requested the original copies. Please prove these accounts not by the automated system. I have disagreed with the credit bureaus and creditors las investigation on XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 with no response at all. My rights have been violated and the bureaus have not done a through investigation according to the law. 

Please remove these 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 2023-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple letters regarding unauthorized inquiries and inaccurate account from my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation