vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 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: NJ

Complaint narrative:
This Credit reporting agency are reporting inaccurate accounts on my file even though they have actual knowledge of the errors on these accounts they are now deliberately violating my consumer rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C also this law clearly states that without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer,

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 2022-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MIDFIRST BANK
State: CA

Complaint narrative:
After XXXX XXXX, internet based private bank in XXXX  XXXX, closed my account in XXXX, 2022 without noticing me, they said they sent my balance check, {$1600.00}, by mail to my bank. However, according to their tracking number by USPS, it has been lost since XXXX 2022. I called numerous times to get proper information on the check. However, they refused to give me right answer. Whatever they said they did were simply not making any sense. They kept on avoiding and delaying my request for proof of check sent and cleared. I even checked with my current bank, XXXX, for delivery confirmation. XXXX can't do any research without check number, address, account number. XXXX kept saying since the casher 's check is cleared, they are not responsible for anything. According to them, it's between me and my bank. However, XXXX kept refusing to give me a check information. If they refund money to me, it should be to my residential address instead of XXXX. Still if they sent a check to XXXX, they should have information about my account on that mail. However, they simply said they sent a check to XXXX. they are not providing check number, branch address, account information. 
Customer service manager, XXXX, even lied the check had been cleared after month of waiting. However, they can't even track the check on their system. 
I can't wait any more. It has been more than 4 month. I think XXXX is simply trying to avoid my case instead of researching.

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 2022-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a XXXX XXXX from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. 

Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.

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 2022-06-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. 

Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
THIS COMPLAINT HAS NOT BEEN PREVIOUSLY SUBMITTED NOR ADDRESSED, AND IT WILL BE RESUBMITTED OVER AND OVER AND OVER AGAIN UNTIL IT HAS BEEN ADDRESSED. SIMPLE AS THAT. 

A copy of this complaint is also being MAILED directly to XXXX XXXX XXXX XXXX, Dispute Advisor at Barclaycard, at XXXX XXXX XXXX, in XXXX, DE XXXX. The fact of the matter is, Barclays have aided and abetted merchants in perpetrating consumer FRAUD in violation of applicable Banking laws and regulations. More specifically, Barclays continues to permit merchants to accept its credit card for purchases without requiring the merchant to issue refunds for the returned purchase to the original method of payment used at the time of purchase, and it also continues to permit merchants to accept the credit card and then issue refunds toward different method of payments other than the original Barclays credit card that the the consumer used at the time of the purchase. As a direct result of this improper, unfair and deceptive trade practice by Barclays, I have sustained financial losses and other compensable damages and have filed an appropriate civil lawsuit against Barclays to recover damages.

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 2022-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On today XX/XX/2022 I went to your PNC Branch XXXX XXXX XXXX XXXX XXXX  Pa XXXX. And upon my entrance I was given a mask from the front desk Customer Service Represenative stating that Masks are mandatory at all PNC Banks however the XXXX female customer in front of me did not have a mask on and neither was she told to put one on. Sadly theres been nothing but complaints against this ridiculous neighborhood Bank which had improved but now theyre back to their poor misconduct. And if this continues our XXXX XXXX XXXX will request that they be removed from our community

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Greetings, I received a letter stating, the accounts below were verified in which disputes still arise to exist for the following : 1. ARS ACCOUNT RESOLUTION # XXXX I did not authorize for the original creditor to release any private medical information to any third party. Please be advise ; this goes against HIPAA under a violation as Im allowed to dispute when it involves PHI ( Protected Health Information ). This needs to be removed from my report immediately. 

2. ARS ACCOUNT RESOLUTION # XXXX This also goes against the violation of HIPAA in which I have every right to dispute the PHI obtained by all unauthorized third parties. Without privacy forms filled out nor granted ; the original creditor was not given permission to release PHI ( Protected Health Information ). This needs to be removed from my report immediately.

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 2022-06-16 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: FL

Complaint narrative:
Experian was able to resolve one of the two of the original complaints. 
The one settled out of court which is the debt showing up with XXXX XXXX is incorrect. I do not owe that amount to XXXX XXXX. Furthermore, I have reasons to believe that they have illegally charged a fee. The amount of the debt is completely incorrect. I have submitted a dispute with Experian which was received by them on XX/XX/22 where I asked for them to provide me validation/verification of amt owed, none provided. Subsequently, I sent another request in the month of XXXX, which I got a response on XX/XX/XXXX that the dispute inquiry was complete on XX/XX/22, but with no resolution or evidence to support that I owe the amounts and furthermore, no removal of erroneous information. I have already reached out to XXXX XXXX and they have asked me to reach out to attorney. I have contacted attorney and they have provided me with the attached document.

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 2022-06-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Account # XXXX XXXX XXXXXXXX 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 602 A. Section. It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Name : XXXX Account Number : 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 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 2022-06-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am XXXX XXXX  and have just had a XXXX XXXX XXXX Several of my creditors agreed under compassionate terms via phone that any derogatory statements on all of my credit reports would be removed and reported as paid in full. 

In accordance with the fair credit reporting act the following creditors agreed to the above statement. In accordance with the fair credit reporting act and XXXX Accounts below, have violated my rights. 

XXXX XXXXXXXX : All accounts, beginning with : XXXX, XXXX, XXXX 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 a account without my written instructions. 15C USC 1666B : A creditor may not treat payment on a credit card account under an open end plan as late for and 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 2022-06-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am XXXX XXXX and have just had a XXXX XXXX XXXX. Several of my creditors agreed under compassionate terms via phone that any derogatory statements on all of my credit reports would be removed and reported as paid in full. 

In accordance with the fair credit reporting act the following creditors agreed to the above statement. In accordance with the fair credit reporting act and XXXX Accounts below, have violated my rights. 

XXXX  XXXX : All accounts, beginning with : XXXX, XXXX, XXXX 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 a account without my written instructions. 15C USC 1666B : A creditor may not treat payment on a credit card account under an open end plan as late for and 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 non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I got behind on my car loan. I tried to make payments on their website and they refused to accept debit card, credit card or personal checks. I had to go through XXXX XXXX. After I called and told them I would try and make weekly payments to get current in my loan, they started calling me, my sister, my parents and my sister- in-law. I called and asked that they only contact me at my cell phone number and not to harass my family with phone calls. Per my sister they are calling multiple times a day. They call me numerous times a day. In 2 days I had 21 phone calls from them. 

I have been trying to get out of debt and I have been working with them and paying through XXXX as they have required. XXXX through XXXX is not always open due to short-staffing at XXXX. But, I have been trying. I was woken up this morning to my car being repossessed. I called Ally Auto while they were taking my car and the operator was very rude to me on the phone saying I cant drive a car for free for 118 days. I just made a payment 2 weeks ago and was going to make another payment tomorrow. 

They have been nothing but rude, aggressive, and treating me like a dead beat lowlife, because I got behind on payments. I am currently working on paying them back and I could have been current if I didnt have to hunt down a XXXX that was open for business. 

But as I explained to them over the phone last week the constant harassing phone calls have affected my mental health and has affected how my family members treat me because they ( Ally Auto ) let them know I was in collections for not paying my car payment. I have tried to work with them on getting current and they told me my car was no longer in danger of being repossessed and then repossessed it anyway.

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 2022-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XXXX we were refinancing our home to get a lower mortgage rate. My wife and i both got XXXX the week we were to close on the refinancing. since we could not sign the closing documents at that time we called Freedom Mortgage and tried to set up another closing time. they put us in COVID which had us not paying any payments for 12 months. this was over on XXXX XX/XX/XXXX. In XX/XX/XXXX my wife and i called Freedom Mortgage and was told that they would be sending us a new contract. We received this contract in XXXX XXXX we took it to a notary and signed everything then sent the packet back. We started getting calls from Freedom Mortgage on a bi-weekly basis stating that we were behind on our payments in the amount of {$25000.00} and we needed to make a payment. We told the collections department of Freedom Mortgage that we had already signed the new contract and that we were going to make the first payment on XXXX XX/XX/XXXX like the contract said and we also asked why they were calling since our new contract was signed and submitted. We were told that there was an error on the new contract and that it needed to go back to the underwriters for corrections, we would be getting a new contract to sign but to make the payment on XXXX XXXX like we agreed to. We did make XXXX and XXXX payments but we never recieved any new documents and the debt collection calls still came weekly to bi-weekly. i spoke to several different representatives and none of them would give me the same answer, i finally asked if they could tell me if my XXXX and XXXX payments were on my debt or on my new contract and again i never received a confident answer. one person would tell me one thing and someone else would say no that is not right. It is now XXXX and again i received a letter from the underwriters saying that they approve my loan and the documents are coming. The debt collectors are still calling and now they are starting the process all over again, they said that my payment will be x amount and that the first payment is due XXXX XXXX but i still have not seen a new closing document and i don't want to start paying money again without knowing where it is going. I have been dealing with this since XXXX of XXXX and all i want is a signed legal document stating that i pay x amount for x years and my home is mine. I am not trying to get out of paying my mortgage i just want to be sure that the money that i am paying them is going toward my mortgage and not just being thrown away. every time we call we are told that they are very behind and to be patient. i do not want to lose my home but i don't want to throw my money away either. i am just asking for some help to get the correct documents.

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 2022-06-16 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: TX

Complaint narrative:
I am a victim of identity theft. I have disputed these credit card accounts XXXX XXXX XXXX XXXX for {$2900.00}, XXXX XXXX XXXX XXXX for {$5600.00}, XXXX  XXXX XXXX for {$1500.00}, and XXXX XXXX for {$310.00}. I filed an identity theft report. These accounts still have not been removed from my report. I have never had an account with these companies and would like for this to be removed 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 2022-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I applied and was denied a loan XX/XX/2021 from OneMain ( violations of 15 USC 1611 and 15 USC 1691 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: Chime Financial Inc
State: MI

Complaint narrative:
My name is XXXX XXXX and I am a Michigan resident. For 7 months I had been using the app chime to get paid through my job. On XX/XX/2022 an unauthorized purchase of XXXX dollars was made of my Credit card ( its called a credit builder card ) at a XXXX XXXX XXXX XXXX in XXXX Florida. I even sent proof of my whereabouts at time of purchase. Ive showed them that I was at work for the majority of the day in XXXX XXXX, Michigan. Theres no way that I can even make it to another state by XXXX the time of the purchase by flight or car the same day. I even worked the following day. I called the store that the purchase was made at was given a hard time by whom ever answered the phone and said there was no one I could speak to and nothing I could do. After about a week of e-mailing these people and talking to different representatives of having my dispute reopened, they keep telling me there are no errors even though Ive shown proof of fraudulence. My XXXX  account was even linked to chime so they tried to hit that account for a different amount, but didnt succeed. All together i ended up closing my chime amount scared that there would be another attempt of my money being took and just moved all the rest of what i had left to a separate account so that it wouldnt happen again. Its just said that people actually take the time out of their life to work just to get half of their check stole without an issue or no red flags.

Company response to consumer: Closed with explanation