vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX {$2100.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$1200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$2600.00} XXXX inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX Remarks added to account were incorrect 5. XXXX XXXX XXXX {$1600.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX {$880.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$1000.00} - inaccurate status, remarks and payment history XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} - inaccurate status, remarks, and payment history XXXX. XXXX - {$2800.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX {$1800.00} - inaccurate status, remarks and payment history XXXX. XXXX Department XXXX- {$3200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX - inaccurate pay status and payment history XXXX. XXXX XXXX- {$7400.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX- {$9300.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$4700.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX inaccurate remarks and payment history XXXX. XXXX XXXX - {$2400.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX {$2700.00} and {$1000.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX credit card- {$9700.00} - inaccurate balance and credit limit and payment history 20. XXXX XXXX XXXX XXXX XXXX {$660.00} - inaccurate status and payment history XXXX. XXXX XXXX XXXX XXXX XXXX inaccurate remarks and payment history 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 a 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 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 2022-09-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have purchased for a service called XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX but that I setup the auto-payments, but bank of america never deducted from the debit card and charged as late payment. 

The auto-payment was never enabled or deducted automatically due to bug in the site. 

Please resolve my issue, else I will have problem with 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 explanation
Consumer complaint received 2022-09-06 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: NV

Complaint narrative:
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 2022-09-06 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: Avant Holding Company, Inc.
State: TN

Complaint narrative:
I have had fraud on my credit card XXXX at the beginning of XXXX and most recently my car was broken into and card stolen, I have received letters from a specialist name XXXX at extension XXXX who states that she was reaching out but not able to contact me. She sends letter saying she tried to call me, but this is not true. They have not called me, I even returned calls and always get voicemail, I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are late payments showing on my credit report for Student Loans dating back to 2014. This is inaccurate information and I have tried to disputing this with the Credit Reporting Agencies to no avail. 

This debt has been sold to another 3rd party company. 

These late payment reports have caused me to lose out on housing, credit and transportation. 

The late payments are inaccurate. They have been deferred multiple times and I have not received any documentary evidence, audit trail or the like showing that these payments are indeed late.

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 2022-09-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
There are late payments showing on my credit report for Student Loans dating back to 2014. This is inaccurate information and I have tried to disputing this with the Credit Reporting Agencies to no avail. 

This debt has been sold to another 3rd party company. 

These late payment reports have caused me to lose out on housing, credit and transportation. 

The late payments are inaccurate. They have been deferred multiple times and I have not received any documentary evidence, audit trail or the like showing that these payments are indeed late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX credit reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted. 


This agency is in violation of 15 USC 1692g. This is an official dispute of this account. 
I demand the above account deleted from my consumer report. 


IVE ENCLOSED DOCUMENTS FROM THE XXXX WEBSITE This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 
I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX credit reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted.

This agency is in violation of 15 USC 1692g. This is an official dispute of this account. 
I demand the above account deleted from my consumer report. 


IVE ENCLOSED DOCUMENTS FROM THE XXXX WEBSITE This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 
I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-09-06 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: NV

Complaint narrative:
The account is not being reported correctly on my credit report. The date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same source, XXXX XXXX? I have written letters to XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I also called XXXX XXXX in XX/XX/2022. I have not received a response from the credit bureaus or 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 non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
I received a letter from American Coradius International saying I have a XXXX debt. I do not and never had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NY

Complaint narrative:
A large loan keeps showing up on my credit report. Ive never heard of the company and never applied for any loan of any type with them. It is severely affecting my credit score because the fraudulent account has 5 missed payments, and its not a company Ive ever heard of it dealt with in any way, shape or form.

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 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: TX

Complaint narrative:
Received an email from XXXX credit monitoring that my credit had dropped XXXX points so I immediately opened up my account and saw 2 judgments appearing on my credit. I have never lived in the XXXX TX or XXXX TX area ever ; I also, did not provide anyone permission to use my SSN to open accounts. Since this email, I have had a total of 4 accounts opened using my SSN and DOB and these scammers seem to be doing it at the same time. I have 2 accounts with XXXX XXXX and now with XXXX XXXX XXXX. 

XXXX XXXX accounts are XXXX and XXXX email on file is XXXX XXXX XXXX XXXX  accounts are XXXX and XXXX email on file is XXXX I have frozen all 3 credit bureaus and put a fraud alert as well. I have sent a letter and email to XXXX XXXX and I just found out about XXXX XXXX XXXX. I provided XXXX XXXX information regarding my issues and they have stated it should take up 30 days to get any resolution.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: OR

Complaint narrative:
On Saturday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a Pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid over {$1300.00} in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX  are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart. 

This is inexcusable. EdFi wants to keep their money and run. Give us our refunds and reinstate our balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received a letter from XXXX XXXX XXXX saying I have a PayPal debt. I do not and never had a PayPal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Banking institution responded to my notification about potential identify theft indicating that the identification I sent them ( State issued drivers license and concealed carry permit ) was insufficient. They asked for military or passport identification which I do not have. They then requested a copy of my social security card which I no longer want to share with any of these institutions. A case number from the bank has been assigned to this incident..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
On XX/XX/2022 at approximately XXXX XXXX there was a fraudulent transaction to an individual presuming to be XXXX XXXX, a XXXX XXXX at phone numbers XXXX His partner in crime was a person presuming to be an attorney, XXXX XXXX at XXXX of the XXXX XXXX XXXX XXXX. The scammed {$1500.00} from my XXXX account. 

The transaction confirmation was # XXXX The payment ID was : XXXX They were using the tactic that my brother was in a motor vehicle accident and hit a pregnant women who was XXXX XXXX XXXX XXXX XXXX XXXX. The money was needed for bail. I tried contacting my sister-in-law before the transaction went through. 

The scammers asked for screen shots of the payment that I still have on my phone. 

Coincidentally, my brother just happened to call me right after the transaction was processed so I knew it was fraud. I tried to have the money recalled. I created an online fraud dispute with Citizens Bank XXXX, XXXX I have file an FBI fraud case as well, FTC Report XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2022, I went into Chase Bank at XXXX XXXX XXXX, XXXX, MD. I did a wire transfer for {$25000.00} USD, the Chase representative gave me all of the confirmation that they had everything they needed. The recipients Bank, XXXX XXXX XXXXXXXX, had rejected the wire, and sent the funds back to chase bank. Chase Bank lied to me saying XXXX  XXXX XXXX is holding the money, when really Chase Bank was holding the money. Now Chase has a {$25000.00} hold on my checking account, and won't return my money and are requesting additional information, in which they do not need, and never needed in the first place. I need the hold to drop off my account, and for Chase Bank to return the money back to my account. Chase Bank has been giving me the run around since XX/XX/XXXX, and won't return the money to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: DISCOVER BANK
State: CA

Complaint narrative:
I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.

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 2022-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
I had 5 loans with a company, all 5 were purchased in XXXX by another company. 
One new loan I have access to online and am able to pay this one loan only. 
The other 4 I have not paid. I have sent numerous emails to cutomer care asking to add the other 4 loans to my account. I have spoke with a live person, I have sent emails several times within by login account. I have sent them ACH forms for the 4 loans, After all of this I have gotten no response from them. I have not been able to pay XXXX, XXXX & XXXX payments. 
I have sent emails to BSI Financial on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. I haven't kept track of the phone contact or the emails I've sent withing my BSI login.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: TX

Complaint narrative:
My account with " transfer wise '' was close by wise team on XXXX and it has XXXX USD in it. 
I have appeal to send me back but never received back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: SC

Complaint narrative:
ON XX/XX/2022, XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS REPORTED A DELINQUENT MEDICAL BILL TO MY CREDIT REPORT DAMAGING MY CREDIT. THE ACCOUNT NAME XXXX XXXX XXXX  REPORTED I OWED {$480.00}. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY XXXX XXXX XXXX  NOR DO I OWE ANY MEDICAL BILLS. I'VE WRITTEN LETTERS TO ALL 3 CREDIT BUREAUS IN AN ATTEMPT TO VALIDATE THE ACCOUNT AND THEY HAVE ALL YET TO RESPOND TO MY REQUEST WITHIN 30 DAYS WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. THEY HAVE NOT EVEN CHANGED THE ACCOUNT STATUS TO BEING IN DISPUTE. GIVEN THAT ALL 3 CREDIT BUREAUS HAVE REPORTED THIS FALSE INFORMATION ON MY CREDIT, ESPECIALLY EQUIFAX WHICH HAS RECENTLY BEEN UNDER FIRE FOR REPORTING FALSE INFORMATION TO SEVERAL CONSUMERS ON THEIR CREDIT REPORTS, THIS INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation