vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 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: AES/PHEAA
State: TX

Complaint narrative:
I owe XXXX with interest in student loans, XXXX has a duplicate loan reporting on my credit report. The total of the duplicate loan is XXXX, this total is listed for both XXXX and FedLoan. Fedloan transferred all of my current loans to XXXX and the actual balance I owe without interest is {$9100.00} and with interest the total is {$10000.00} as previously stated. XXXX has stated they've confirmed their information is accurate when it is CLEARLY in accurate in black & white. The total amount in Student Loans XXXX is reporting reflects {$13000.00}. The correct account reporting under XXXX should remain and the Fedloan account should be removed ASAP. ALL Fedloans were transferred to XXXX and it is attached to this dispute with the actual Fedloan notice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: Omega RMS, LLC
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act Omega Rms has violated my rights 15 U.S.C 1681b ( a ) ( 2 ) [ ( 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 data of an account without my written instructions. The company is falsely accusing me of owing them on behalf of XXXX XXXX XXXX {$3700.00}. for services I never used and refuse to remove it from my credit report. In direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo transferred servicing of my loan to XXXX XXXX XXXX as of XX/XX/XXXX. They claim to have sent an " information packet '' to XXXX on XX/XX/XXXX which would show me as the authorized user ( the loan is in the name of an estate I am the XXXX of ). As of XX/XX/18, XXXX has no record of me and therefore will not discuss the mortgage with me. Despite WF 's claim that the loan would be transferred exactly as it was, XXXX does not show the COVID forbearance in place and therefore has the loan as 6 months past due. XXXX has also issued payment for taxes that were already paid. WF refuses to provide any information as to what was sent to XXXX, thereby shielding themselves from any claim of failure to exercise proper care in executing the transfer. I assume both companies are to blame, but I have no way of getting anywhere, instead simply being batted back and forth between them.

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 2023-04-18 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: SC

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 confidentially under 15 USC 1681 : Account name : USDA Rural DevelopmenXXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX  Account number : XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MS

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 2023-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
As of today, XX/XX/XXXX, I received a hand delivered letter from the company claiming that that have not spoken to me. However, the last call I received was on XX/XX/XXXX at XXXX XXXX I have received multiple Loss Mitigation Packages with " XXXX XXXX XXXX and address listed on the XXXX. Please see attached screenshots of the illegal occurrences that are happening to me and my loan. 


Please not that I am aware that the company will flag this complaint as another duplicate and not research this at all. Using for documentation purposes at this point.

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 2023-04-18 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: IL

Complaint narrative:
I was a victim of identity theft and I would like the items 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 2023-04-18 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: Synovus Bank
State: TX

Complaint narrative:
On XX/XX/XXXX and On XX/XX/XXXX I mailed a certified affidavit to XXXX XXXX and XXXX XXXX XXXX stating that I did not authorize or give consent for their company to share my personal information with any third party and that is identity theft. The company has failed to respond and the items is still on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: U.S. BANCORP
State: OH

Complaint narrative:
I am writing to file a dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding my recent interaction with my bank. I have been in communication with the bank several times regarding an unauthorized transaction that took place on my account. Despite my repeated attempts to address the issue, the bank has failed to take appropriate action and has notified me that the transaction was legitimate. 

To provide some context, I first noticed a suspicious transaction on my bank statement on XX/XX/2023. The transaction was for a merchant that I had never heard of or authorized. Immediately, I contacted the bank and spoke to a customer service representative to report the unauthorized transaction. The representative assured me that the issue would be resolved promptly and that I would receive a refund for the unauthorized transaction. 

However, after months had passed and I did receive two Post Adjustments from the bank, I reached out to them again. This time, I was told that the transaction was legitimate and that they would not be issuing me a refund. I was shocked to hear this, as I had not authorized any such transaction and had no idea who the merchant was. 

At this point, I decided to escalate the issue and requested to speak with a representative. I explained the situation to the supervisor and provided them with all the necessary details, including the date, and amount of the unauthorized transaction. Despite my best efforts to provide evidence to support my claim, the bank remained adamant that the transaction was legitimate and refused to refund me. 

In conclusion, I am now requesting the intervention of the CFPB to resolve this dispute with my bank. I believe that the bank has failed in its duty to protect my account from unauthorized access and fraudulent transactions. I am seeking a full refund for the unauthorized transaction, as well as compensation for any additional damages or losses that I may have incurred as a result of this incident.

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 2023-04-18 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: Possible Financial Inc
State: CA

Complaint narrative:
Previously I have filed a complaint with this company and explicitly explained to them that they are reporting erroneous and inaccurate information on my XXXX credit report. And previously they responded that they would fix this problem. To date, they have not fixed anything as this account still shows as an active and open account with a balance owed, even after being notified of this already.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Goldman Sachs issues " Apple Cards ''. They are sending me letters via USPS claiming I have a past due balance of {$61.00}. I have never applied for an Apple Card nor do I have an Apple Card .Goldman Sachs so called " Apple Card Specialists '' are of no help at all. 
They tell me to call police or contact Identitytheft.gov. Since they issue the cards it seems like they should at least try to resolve the issue. They can't give me an account # ( claims they don't use account # 's, what the charges are for or where they occured. Seems ridiculous to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: FL

Complaint narrative:
NAME : XXXX ACCOUNT NUMBER : XXXX This account shows late payments on all 3 bureaus & transunion shows balance of XXXX $ which is incorrect, I'm uploading proof of statement, this account needs to be updated/corrected..never late.. 

NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX shows late payments, I have never been late on making these payments ever.. payment history needs to be corrected!

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 2023-04-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
NAME : XXXX ACCOUNT NUMBER : XXXX This account shows late payments on all 3 bureaus & XXXX shows balance of XXXX $ which is incorrect, I'm uploading proof of statement, this account needs to be updated/corrected..never late.. 

NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX shows late payments, I have never been late on making these payments ever.. payment history needs to be corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
Between XX/XX/2022 and XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I used to live in this apartment but the state of Florida has payed through the pandemic rental help program and later on they came with this ridiculous amount of money on debt l would like to be removed from this please and thank you for all the support

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a continuance of my previous CFPB complaint ID # XXXX that was closed, I received my bill yesterday ( XX/XX/XXXX  ) and the credit limit still says {$500.00}. I still have not received my card so I cant look up any information online regarding this account without the card. I placed an order over the phone on XX/XX/ since I still do not have a card. Each time I placed the order on XX/XX/2023 with the Macys Representative in the Order department over the phone, the order was cancelled three times. A few times before the Macys Representative could give me all of the order number information, I was getting an email and it showed online under my online Macys Account as cancelled by Macys. The 4th time I called about this exact same order that keeps getting cancelled. I was spoken to very rudely and I was hung up on by the Macys Representative. No one could tell me why this keeps happening. No one could tell me when I will receive the Macys Card. Since your calls are recorded for quality assurance, please review all of the calls I placed between Sunday XX/XX/XXXX  and Monday, XX/XX/. This has been very frustrating and I cant seem to get information and good customer service. How do I receive a bill before I even receive my card? The bill still says {$500.00} credit limit. I did receive a denial letter in the mail from Macys for a Macys American Express Card that I never applied for. I have only ever applied for the Macys Sore Card which I still have yet to receive and the credit limit per the bill has not been adjusted.

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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/2023, I contacted Barclay concerning lowering my payment or interest rate for at least 6 months due to financial hardship. I received a call from the corporate office informing me that they do not have any programs available to assist me. I informed the company that I would not be able to continue to pay the full amount due. In XXXXXXXX XXXX, I paid them {$100.00} instead of the {$160.00}. After receiving the XXXX payment, I began receiving calls from Barclays informing me that they now have a program. I asked how long has this program been in assistance and was told that they have always had this program and others. They informed me that my account would be closed if I accepted the program. I requested that they send me the information so that I could read the terms and conditions of the program. I was told that I could not receive the information until I had agreed and paid the initial payment. I called today, XX/XX/2023. I was told by a lady in collections that she was filing a grievance on my behalf because of what I stated in this complaint. We got disconnected before I could receive any complaint details, and I didn't receive a return call. Barclays reported my account 30 days delinquent for {$64.00}. They received a payment last month. However, they are reporting my account as if they did not receive any payment. I can not receive any straight answers from this company. I have always paid my bill every month on time until XX/XX/2023. It is a disservice to customers with excellent payment history, not to receive any assistance when requested, and for the company to lie and state that there are no programs. I wish that I had never gotten this card.

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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2023 at XXXX I made a cash deposit of {$4300.00} into a Chase ATM. The machine then later displays a message on their screen saying To be sure your deposit went through please call us at XXXX. Well print this number on your receipt. I called that number and was told that their claims department was closed to call back in the morning which I did. Chase filed the claim and then a few days later comes back and says they couldnt locate the funds. A week later I contacted their XXXX office and spoke with a Person named XXXX XXXXXXXX XXXX XXXX and she later said they only found {$2700.00} and they credit my account for it. In addition chase will be closing my account. As of today, XX/XX/2023 chase is saying to me that they never found the funds so therefore they can not issue a credit. They have been going back and forth changing their stories and I just need my money back. They decided to close down my account after I filed the claim with all proof. They have videos and cameras at the atm and sensors they know I deposited my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: DISCOVER BANK
State: MA

Complaint narrative:
I used the discover link that stated I can get a rate without an impact to, y score I followed the link and was notified by my credit monitoring service that a hard pull was made on my credit report by Discover I did not authorize this inquiry

Company response to consumer: Closed with explanation