vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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: FL

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: NY

Complaint narrative:
They call constantly all day from XXXX to even XXXX. While Im at work, Im getting in trouble for my phone ringing often. Even when I have a payment submitted to them, they call. I submitted a payment XXXX days ago ( XX/XX/22 ) on the due date. They still are calling me minimal 4 times a day and leaving messages. I have asked them in the past ( in XXXX ) NOT to contact me via call, only paper. I have asked not to be contacted for this every time Im on the phone with them. Every time, they say there doesnt seem to be file of that. So no one is even reporting that I dont want these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Denefits LLC
State: WA

Complaint narrative:
I receive many texts messages stating that they are going to take legal action against me and when I responded was told I am XXXX and have XXXX XXXX. I have never received anything by mail and I don't belive the amount they are charging me is correct. Also told them I was at a funeral but he continued to text me, my boyfriend ended up actually calling him to tell him he was being unprofessional in which the guy started to say obscene things to him as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I purchased a Visa Vanilla gift card on XX/XX/XXXX for XXXX at a XXXX. I spent XXXX on the card and threw the original receipt away. On XX/XX/2022 I lost the card. I called the gift card and they told me I had a balance of XXXX. I immediately reported the card missing. On XX/XX/XXXX they told they would send me a replacement card. They told me to call back on XX/XX/XXXX. On XX/XX/XXXX I called back and they told me I had to verify the card.I tried to verify it on my phone and it would not work. I was on the phone for a whole hour and the manager told me I wouldnt get a replacement card without the original receipt. I went back to XXXX and got a copy of the receipt which I have enclosed. I tried calling vanilla gift card back and spoke to a representative and asked for a manager and was put on hold twice for at least an hour. I am not getting any satisfaction from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I did not sign any contract with a collections agency, I am not legally obligated to them. The items below have violated my rights. 

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-09 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I did not sign any contract with a collections agency, I am not legally obligated to them. The items below have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. U S DEPT OF EDXXXX XXXX XXXX XXXX. DP OF EDUC - XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. U S DEPT OF EDXXXX 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 2022-11-09 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: PA

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 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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/22, I opened a checking account with US Bank and funded the account with an opening deposit of {$25.00} from my XXXX checking account. On XX/XX/22, I noticed two pending debits from my XXXX checking account for {$25.00} each. On XX/XX/22, the two debit transactions posted on my XXXX checking account, but there was only one posted credit of {$25.00} to my US Bank checking account. 

On XX/XX/22, I contacted US Bank to obtain an explanation of where the missing {$25.00} went and why they performed an unauthorized transaction. They did not have any answers for me and recommended I file a claim with XXXX XXXX. I was transferred to multiple departments and nobody could provide an explanation. 

I feel that US Bank has the funds, but did not post it to the correct account. The representative advising me to file a claim with XXXX XXXX  is bad advice and just pure laziness.

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 2022-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: LA

Complaint narrative:
XXXX Hurricane Laura causes significant damage to my home and it is unlivable XXXX Hurricane Delta causes additional water damage to my home XX/XX/XXXX - Repairs completed on my home can not get XXXX to pay even when supplemental claims and estimates were provided in a timely manner multiple times. I had to pay mostly out of pocket for $ XXXX in damages XX/XX/XXXX - hired a public adjuster who worked my claim and XXXX denied payment, filed suit through an attorney in XX/XX/XXXX XXXX settlement agreement reached with XXXX during mediation XXXX Homepoint Financial receives my settlement check and has held it ever since. They will not release my payment even though they Refinanced the house in XX/XX/XXXX and transferred the loan in XX/XX/XXXX to a new servicer with a greater value assessment than the previous year. I have never missed a single payment. I need my settlement money released to my attorney so that I can pay my XXXX and recuperate the out-of-pocket money I spent to rebuild without the assistance of XXXX for over two years. 
XX/XX/XXXX Attorney spoke with a supervisor in loss department and they still have not released any of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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:
XXXX, XXXX and transunion all used my information incorrectly

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 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I reached out to Navy Federal Credit Union on XX/XX/2022 to see what my options were for closing my checking account, at that time i was also asked did i want to close my savings account. My intent was to rectify in some way the reoccurring fees to my checking account that i could no longer use due to the balance and lack of deposits. in addition after being asked did i want to close my savings account I was reluctant but I was not using it either at the time so I agreed, the agent went forward to close the accounts without clarifying details that the savings account was attached to the XXXX XXXXXXXX XXXX XXXX which I was not attempting to close at that time After finding out my credit card will now be unusable I was also informed the process could not be reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DE

Complaint narrative:
I have called Mohela several times since XXXX. The dates I called them were XX/XX/14 on hold for 1 hour and 36 minutes had to hang up since I was at work no one never picked up. I called later that day at XXXX on hold for 1 hour and 50 mins no one ever picked up. Called later the same day on hold for 2 hours and 14 mins no one ever picked up. I called every day since then and had the same outcome. I called today after receiving my income based payments which it is now 10x higher then my previous payments which I clearly don't understand how because my family size has changed. I spoke to a representative at XXXX XXXX  and explained the above information and maybe there is an error. I was told if the income based payment has to be reconsidered it may make me ineligible for the public service loan forgiveness. I asked where is it in writing she said it is on the XXXX website and I looked while on the phone and did not see it on the paper I signed to evaluate for income driven repayment she immediately became defensive and I asked for a supervisor she said hold and I was on hold for over 40 mins. No one answered or returned to give me an update. I submitted my documents for public service loan forgiveness over the summer to student aid and have not received an update from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX To Whomsoever it May Concern ; This about consumer credit transaction entered with your company XX/XX/XXXX and I extended your organization the credit for the account no XXXX. 

I hereby give your company notice XXXX to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer-generated agreement. 
According to 15 USC 1602 ( 2 ), the term adequate notice means a printed Notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning .Such notice may be given to a cardholder by printing the notice on any credit card, or each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 
Since adequate notice was not given as per the above mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( K ).

Further pursuant to 15 USC 1601 ( A ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair card practices.

From your end I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term Unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 
I hereby request you to do the below mentioned XXXX. Remove all late PAYMENTS Ive been affected dramatically by these billing errors, denied for rental agreements and more. If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your company for compensatory damages. 
Thank you for your attention to this matter Sincerely 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 2022-11-09 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: FL

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 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 2022-11-09 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: NY

Complaint narrative:
This is regards to case XXXX XXXX Experian claimed that the report does not have those accounts. Those are XXXX account with sub accounts. 
I am disputing this again account for months, late payments are illegal, I have been stressing this factual law with XXXX. They have been in violation. In exhibit " XXXX '' XXXX have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " XXXX '', I disputed this account and XXXX keep responding with Exhibit XXXX XXXX I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of XXXX XXXX XXXX. XXXX also violated my right to privacy as pursuant to 15 USC 6802. 
THESE accounts XXXX AND XXXX Are still reporting late when Experian said that they were not on my report. This willful negligence, defamation of character. Do Experian want to be held liable for Monetary Remedy. 
As pursuant 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Clearly Experian did do their due diligence INACCURATE AND INSSUFICIENT PLEASE SEE ATTACHED

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 2022-11-09 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:
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 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 explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have a credit card with JP Morgan Chase ( Southwest Rewards Card ). The card is connected to my XXXX account that I use to make payments, for example, to my XXXX XXXX XXXXXXXX XXXX for pizza parties, teacher gifts and similar. 

On XX/XX/2021 I made a {$10.00} contribution to the XXXX XXXX via XXXX to contribute to the cost of treats for the XXXX party. When I checked my chase credit card statement, in addition to the {$10.00} payment and the normal 3 % fee for using a credit card, I had been charged an additional {$10.00} " XXXX XXXX '' and {$0.00} " cash advance interest '' by Chase. 

I called Chase and they informed me that XXXX payments were now treated as " cash advances '' on my credit card. They confirmed this was true, although no cash was actually ever advanced. This is not the type of transaction that I would expect to be subject to a steep cash advance fee and cash advance interest. I expressed my concern and surprise that this had not been disclosed in advance so that I could have made an informed decision as to how to transfer the funds. Chase advised that it was XXXX that caused the transaction to be treated as a cash advance, and that Chase did not have any obligation to disclose that a {$10.00} XXXX payment would be subject to Chase 's ( not XXXX 's ) additional {$10.00} cash advance fee plus interest at 28 %. I feel like I agreed to the 3 % fee for using a credit card to make a XXXX payment. That fee was disclosed and I understood it. I did not, however, at any point have a reasonable warning, disclosure or opportunity to consider the additional {$10.00} cash advance fee with interest. This seems like an incredibly deceptive and abusive practice employed by Chase to charge XXXX separate fees ( 3 % for using a credit card, {$10.00} cash advance fee and {$0.00} interest at an APR of 28 % ) in connection with a single transaction where I intended to send {$10.00} to a XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD bank did not send me statements for a credit card. I do not use this card, not sure why there was a charge in XX/XX/2022. I never miss credit card payments. I receive all my bills through the XXXX  XXXX XXXX XXXX and website and it says I have a XXXX balance with TD bank every month. This error made my fico score drop by XXXX points. Please help correct this issue. A payment has been made and I locked this credit card so it will no longer be used. I understand that closing an account may have a negative effect on my credit score. Thank you!

Company response to consumer: Closed with explanation