vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I need to resubmit this complaint to XXXX. I have communicated with them about the inaccuracies on my credit report, including discrepancies in the dates of the last movement, dates opened, dates detailed, and installment status. Despite their assurance of conducting a thorough investigation, more than 30 days have passed, and upon checking my credit report, I see no changes and no corrective actions have been taken. My rights have been overlooked on multiple occasions. 
According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Part 2 stipulates that a consumer reporting agency can not furnish a report without my written instruction. To formally address this issue, I filed an FTC report with the report number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Sent a letter about a month ago to TransUnion, XXXX, and XXXX and in which it was supposed to be 4 business days uhm per 15 1681c-2 the items that were sent to the companys were supposed to be blocked also the items were sent was supposed to be removed

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Told the bank this was fraud and submitted all my police reports and even filled out their documents and they cleared me of the checking and savings account fraud but wont clear me for the credit card one for {$1800.00} bad enuff they took way pass the 30 days timeframes to get this resolved! I have been disputing this for years and also they never sent me any type of notice I had to call and go into the bank to find out what my outcome was!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim to the Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am writing to express my disappointment with the inaccurate credit reporting done by Discover Financial Services. This reporting has severely damaged my financial situation. On XXXX, I noticed XXXX new accounts on my credit report that I did not open. I immediately sent notices to Discover Financial Services, requesting them to validate the debts and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Discover Financial Services has not taken any action to remove the debts from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Discover Bank immediately remove the disputed debts from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Discover Bank does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 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 ) ( 1 ) A Person shall not any information relating 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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a checking account with Chase. I used their online bill pay to pay my mortgage each month. This month I made the mistake of selecting an old vendor for my mortgage. The account has not been active for several years.

When I noticed that I selected the wrong payee I informed Chase of the error within 24 hours. They refused to stop payment on the payment. In fact they made the situation worse by stopping payment on my payment of my mortgage to the correct payee ( XXXX XXXX ) XXXX 

From that point I have called almost daily trying to get Chase to return the funds to my account. I have escalated the issue multiple times. But the bank refuses to act even though they acknowledge they can not ascertain how the funds were sent nor whom received the funds. They are somehow claiming they sent the money where I requested. Given that I responded almost immediately and can verify that I made consistent attempts to stop the payment this is an obviously false statement on their part. 

The crux of the issue I believe stems from their inability to determine how the money was sent. I was recently told that this was not done by ach transfer but by check. If thats the case then my efforts to stop the check should have been honored immediately. 

Their first and latest statement was that I should contact the recipient payee, XXXX. This is fraught with problems as well. I have not had an active account with them for several years. When I initially contacted them several weeks ago, they informed me that they had no record of my account. Apparently they leased the name of mortgage bank to another entity. That relationship no longer exists. They were not able to help me locate the funds and suggested I contact Chase to get them to start an investigation. Obviously, I had already done that. 

I have reached out to my current mortgage bank, XXXX XXXX, to see if they indeed received multiple payments from me this month. They said no. They did inform me that the institution that owned my mortgage previously was XXXX. 

I have now called and emailed each of these institutions. I have reached out to bank professionals and attorneys. Each advise me that the bank is obligated to return my funds. 

None of the institutions has done so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX received a call from JP Morgan Chase! They said someone was trying to do a wire transfer on my account! They told me I needed to be on the phone while they tried to stop it! They somehow got into both my checking accounts and did a wire transfer for XXXX! Also received text messages that said chase! Also charged me a XXXX dollar wire transfer! I have proof on my phone that all texts and calls said JP Morgan chase! I have never done a wire transfer nor would I know how to do it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 and 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am not liable and refuse to pay this debt with XXXX, I have no contract with XXXX XXXX XXXX  in regards to account XXXX XXXXXXXX. 
The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance

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 2023-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX the office manager for XXXX told me that I could pay {$5.00} to {$10.00} per month for up to 24 months before the balance of {$8000.00} was due for 2 XXXX  to be installed in my mouth ; XXXX  did not wait the required 72 hours before they billed Comenity Bank / XXXX XXXX. The procedure was performed by an unlicensed oral surgeon, who subsequently botched the installation and the XXXX fell out of my mouth. I do not owe this debt because the work was never performed. I contacted XXXX XXXX that I wanted a refund because the office manager, now a former employee, had informed me of improper billing practices by the dental office. On or about XX/XX/XXXX I visited XXXX XXXX 's office where he told me that he was processing the refund and had me sign a receipt. He, in fact, was restarting the finance agreement that I wanted to be released. I never had any further work done by XXXX and do not owe this debt to the XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland credit management is not licensed to collect debt in the state of GA per XXXX. I would like them to stop contacting me and remove the account from my credit report. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibited. they furbished thus account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I didn't not participate in any of it. More so, they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I am entitled to {$1000.00} per violation and Cleary they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX started in XXXX they stated we were late on payment well they actually changed due dates to make us show late twice. I tried to correct in XXXX when made aware of the issue. They said it is what it is. I had the issue again in XXXX I then decided to change lenders. The practices of XXXX XXXX XXXX are not good or moral. I have had several attempts with credit companies to have false information removed. I noticed they had a suit filed for illegal practices with XXXX which is where we obtained the vehicle loan. I am just trying to remove false information from my credit reports which has held me back for 6 yrs now. Why is this so hard. Angry and frustrated.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX started in XXXX they stated we were late on payment well they actually changed due dates to make us show late twice. I tried to correct in XXXX when made aware of the issue. They said it is what it is. I had the issue again in XXXX I then decided to change lenders. The practices of XXXX XXXX XXXX are not good or moral. I have had several attempts with credit companies to have false information removed. I noticed they had a suit filed for illegal practices with XXXX which is where we obtained the vehicle loan. I am just trying to remove false information from my credit reports which has held me back for 6 yrs now. Why is this so hard. Angry and frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX started in XXXX they stated we were late on payment well they actually changed due dates to make us show late twice. I tried to correct in XXXX when made aware of the issue. They said it is what it is. I had the issue again in XXXX I then decided to change lenders. The practices of XXXX XXXX XXXX are not good or moral. I have had several attempts with credit companies to have false information removed. I noticed they had a suit filed for illegal practices with XXXX which is where we obtained the vehicle loan. I am just trying to remove false information from my credit reports which has held me back for 6 yrs now. Why is this so hard. Angry and frustrated.

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 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
On TUE, XX/XX/, upon several attempts to speak directly with a *live* LAKEVIEW LOANCARE Customer Service Rep at their Toll-Free XXXX XXXX XXXX XXXX XXXXXXXX to verify that our XX/XX/2023 MORTGAGE Payment was *processed/posted*, we received the following *auto-recording* " XXXX XXXX ARE CURRENTLY DOWN, AND AS A RESULT, OUR AGENTS DO NOT HAVE ACCESS TO YOUR LOAN INFORMATION. " ; however, on XX/XX/2023, we were able to locate a separate Toll-Free # ( XXXX ) XXXX ( as of yesterday, now *OUT-OF-SERVICE* ) enclosed in our LAKEVIEW LOANCARE Statement envelope but it was for a Loan Specialist. We called that # ( XXXX ) XXXX on XX/XX/2023, spoke with Loan XXXX, XXXX XXXX ; he said that XXXX  is a *separate Department* from the LAKEVIEW Dept. , and they have limited access to Customers Accts., and that the XXXX Dept. is experiencing Technical Difficulties with both their Customer Service Line and Website, and they have been advised to encourage XXXX  Customers to please try again tomorrow ( XX/XX/2023 ) as they are working to quickly resolve the issues ; lastly, the last Online Payment processed/posted for our XXXX Acct was on XX/XX/2023, and that our XX/XX/2023 Online Payment did *not* process/post, as of yet. We were able to schedule another Online Payment on XX/XX/2023 prior to speaking with XXXX XXXX ; however, as of today ( XX/XX/2023 ) neither Online Payments have processed/posted ; and we have attempted to call XXXX Customer Service Toll-Free XXXX ( XXXX ) XXXX everyday except on XXXXXXXX XXXX XXXX XXXXXXXX HOLIDAYS, nor on SUNDAY. We received a XXXX XX/XX/2023 LAKEVIEW XXXX XXXX EMAIL re : *Your One-Time Payment Draft In The Amount Of {$1900.00} Was Scheduled On XXXX ; but nothing since then ; we received the same NOREPLY EMAIL on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX has apparently been hit by a ransomware cyber attack. My mortgage servicer ( Lakeview Loan Services ) has been offline since XX/XX/XXXX. Their websites are down and they do not pickup the phone, the website gives a XXXX and the phone says 'agents are unable to access your mortgage records at this time '. I filed a complaint with the XXXX  yesterday, and got a response from the company. I followed up in email but have not heard back and am deeply concerned about my responsibilities related to my mortgage. Lakeview has provided no estimation for resolution, and no instructions on what to do. Presumably they would have had a cyber-attack business continuity and communications plan in place, but there is no evidence they are prepared for this event. Please let me know what I need to do in order to be responsible for my mortgage when they are unable to process or receive payments. Below is the only message I have received. What should I do? Thank you. 

XXXX XXXX : XXXX Customer : <redacted> We regret to hear of your experience, as we have received your XXXX  complaint through the portal. We do apologize for any inconvenience you XXXX have experienced. As information, Lakeview Loan Servicing , LLC owns the master servicing rights to your loan. Lakeview utilizes various subservicers for the day-to-day servicing of our mortgage loans. 

XXXX XXXX XXXX, the parent of XXXX, the subservicer on behalf of Lakeview, recently experienced a security incident impacting their related systems. Immediate steps were taken to protect customer data by locking down access to account information. As a result, the mortgage servicing systems have been unavailable since the issue was identified on XX/XX/XXXX. Efforts are underway to restore system access as quickly as possible, while protecting customer data remains a priority. XXXX has been unable to process monthly payments, or payoff statements because of the situation ; however, phone lines are open to assist customers with concerns. Updates will be provided as systems become available. 


Thank you. We appreciate your partnership. 

Lakeview Loan Servicing XXXXssue Resolution Unit Should you need to contact us directly, our team email address is as follows : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: OH

Complaint narrative:
Took out a loan that was supposed to be a max of 20 % interest and once loan financed the I terest rate was 687 %

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