vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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: CA

Complaint narrative:
I want to do a complaint because I keep getting notifications in my email about trans union running my credit this one is from XXXX my credit was run 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 2022-10-25 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-10-25 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: Nelnet, Inc.
State: PA

Complaint narrative:
Nelnet student loans issued a refund for partial amount of being over paid. In addition, they have for late payments on my account that were clearly and technically on time based on their terms and conditions of me being in school, sick, unemployed or XXXX during the time payment was due. They have not fixed this credit issue and or refunded me all of the amount of being over paid as it still reports to my credit and different from whats communicated to me verbally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am, XXXX XXXX, submitting this complaint against Equifax Information Services, LLC and there is no third party involved. As of Today, XX/XX/XXXX at XXXXXXXX XXXX  EST your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX XXXX  ( CLOSED ) DEPT OF ED/ XXXX DEPT OF ED/ XXXX XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX DEPT OF ED/XXXX DEPT OF EDXXXX DEPT OF ED/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees stated in binding contract & above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The following addresses are incorrect: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
In response to your letter, which I received on XX/XX/22. You stated that you will be providing information to the CRA, according to congress Select Portfolio Servicing , Inc. is to exercise their grave responsibilities with fairness and respect to me as the consumer 's right to privacy. 
Select Portfolio Servicing, Inc. you also stated credit reporting is not an option to opt-out of, but according to 15 U.S.C 6802 it is. So your response seems to be based on opinion and not LAW. 
Select Portfolio Servicing, Inc. You dont have a right to report any of my personal information without my consent, if you do on XX/XX/XXXX as you stated in your letter, moving forward there will be charges against you for violating Federal Law after you have been told to not do it. 
Below I have attached some Laws you have violated if you feel otherwise please provide your reasoning backed by LAW and not opinion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/2022 I accidently made a payment to Comenity Capital Bank on my XXXX XXXX XXXX in the amount of {$3000.00}. 

At this time, I owed no money on this credit card. When I realized my mistake I called the bank and asked them to transfer the money to my other Comenity account BJs where I initially intended the money to go. The customer service rep told me this was not possible but she could process a refund for me in the amount of XXXX because I owed them no money and had a credit. 

Several weeks passed I did not receive my money. When my statement come to the house it shows I have a credit in the amount of XXXX. I'd call them again to send me a refund they give me some stupid story of system problem not process the last request and promise to send out my check. However, I never get the check. I kept calling and speaking to mangers no resolution. One day I called to close the account to force them to send me my money. After XXXX long months XX/XX/2022 they agreed to transfer the balance to my other Comenity Card BJ. 

I thought I was free from them unfortunately on the next statement where my balance was suppose to show XXXX it showed I owed them $ XXXX. I called them immediately to resolve this stupid non sense they say they would take care of it. 

Today XX/XX/XXXX they called me to inform me I have a late payment on my account. I went comcast on them and now I'm filling out this compliant form. Stay away from Comenity Capital Bank XXXX XXXX XXXX. I want to close my BJS  card as well this bank. Comenity Capital Bank is a thief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  # XXXX, XXXX Acct # XXXX, XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 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 explanation
Consumer complaint received 2022-10-25 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: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I've been in a battle with Wells Fargo since XX/XX/2022 over unauthorized transactions. I've made a fraud report and they denied it. They closed my online banking until the investigation was over and gave me a new debit card. I was told the reasons and I asked why was other charges that I never included in the report. Then they said they will look into it further. I've answered questions they have asked and participated fully. Since they haven't been help in a week I made a report to the office of the comptroller of the currency. They did their investigation and gave the same report. They said I have been using XXXX XXXX payments in the past. I told them I don't own a XXXX and never had. If they thoroughly looked at the history and my number they would've contacted XXXX ( btw I told them who I was under when asked ) and I know my number is linked to an XXXX. Then also told me I didn't have enough funds in the bank to get it back. So now I'm fighting to get my rent money back. Now they are telling me to prove I don't have an XXXX and to get info from the company. This has been a headache for a long time and I'm close to finding a lawyer if need be. That's {$2200.00} missing. It's nothing but more excuses.

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 monetary relief
Consumer complaint received 2022-10-25 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: PA

Complaint narrative:
XXXXXXXX XXXX  loans issued a refund for partial amount of being over paid. In addition, they have for late payments on my account that were clearly and technically on time based on their terms and conditions of me being in school, sick, unemployed or XXXX during the time payment was due. They have not fixed this credit issue and or refunded me all of the amount of being over paid as it still reports to my credit and different from whats communicated to me verbally

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 2022-10-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America filed a dispute without requesting information verbally and allowed nearly {$7000.00} to be taken from my account without being retrieved during and after attempts to dispute the claim. And then close my account because Bank of America pulled my credit multiple times Which I also filed a complaint at the branch begging for this dispute to be resolved. They told me I needed to work it out with the merchant who obviously is located in Hawaii and did not respond to emails phone calls and or postal mail. The executive office then called me to perhaps settle and I told them to send me a letter in writing which they never did.

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 monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I was never informed of this medical debt and I would like it removed. I have contacted the company to try and figure out exactly what it is, but they cant seem to tell me exactly what this bill relates to. The debt is for {$410.00}, please help me get this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have had a credit score of over XXXX for at least 20 years and this is constant. Nothing new in my financial life is changed. Never paid interest on credit cards because I pay them off every two weeks. My savings is over XXXX in XXXX. I have outstanding credit worthiness and available credit to me is over XXXX. 

Transition decreased my score by XXXX points and when I talked with a Customer service rep. he could not tell me why. Nothing in my report is adverse so now I have this change from Excellent to Very Good for no apparent reason. I will be applying for a small home loan in the future and this will affect my interest rate negatively..

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 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I paid off both my Chase credit cards at the end of XXXX, 2022. On XX/XX/XXXX, I saw there was {$.00} left on one of the accounts and I paid it, bringing the account to paid in full. Ever since then, and after filing two previous complaints, Chase has been adding interest and late charges to the account ending in XXXX ( Freedom ). They adjusted the amount down to {$37.00} a few months ago, saying they couldn't remove the residual interest and are charging me interest and fees on that amount, apparently. 

However, the other account, ending in XXXX had all the residual interest removed and has a {$0.00} balance. They had brought that amount down to {$5.00}, then gave me a credit balance of {$.00}, and now a {$0.00} balance. If they could remove the residual interest from one account, they could do it for both accounts. I paid both accounts off in full well before the XX/XX/2022 due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
XXXX sold my loans to Aidvantage. I have never received any paperwork from Aidvantage. I called to seek redress because I just discovered by accident that Aidvantage added XXXX to my balance when the loan was transfered. I was hung up on. No explanation of this increase was ever given. It occured during the loan pause during the pandemic, when no interest was allowed to be charged. I have been on IDR for years, and due to low income I have never owed a payment. Also I am retired and receive Social Security. I have applied for the Biden Student Loan Cancellation of XXXX, and was looking forward to to a reduction in my loan balance of XXXX to XXXX. Unless you correct this error, I will still owe XXXX! I make XXXX dollars a month. 

I have heard that Aidvantage has inflated and wrongly transferred many loan balances from XXXX accounts. Now I know it's true : it happened to me. Proof is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
I have tried numerous times to make offers to pay off my credit card debt with AAFES and XXXX. They disregarded my past offers and made an offer at a time I could not accept due to not having the funds available of {$5000.00}. They told me today I owe $ XXXX which simply isn't true. When I left service the card was left at {$7000.00} and I have made payments for almost 5 years totalling over {$4000.00} in payments towards that card. Today I called them and offered to pay the deal of {$5000.00} and they told me no because time was up and I'd have to wait until next year. Well if my math makes sense the {$5000.00} I'd pay them would be more than I owed on the card when I left service to include the $ XXXX ive already paid. I'm trying to purchase a home and no lender will work with me until this ordeal is handled. If I need to contact legal representation, perhaps the CEO of AAFES and my local news channel I'm prepared to because this isn't right how I'm being treated. I am being shaken down for every possible XXXX they can obtain from me. I litteraly have thousands of dollars to pay them to rid this debt and move on with my life and this company refuses to budge! Where are their business ethics in all of this?

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 2022-10-25 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: CO

Complaint narrative:
Transunion keeps denying my ID theft dispute even with all the proper documentation and won't explain why I'm getting denied. Phone agents don't speak English which is understandable and hang up on me.

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 2022-10-25 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: CA

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. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX~ Acct # XXXX XXXX XXXX ~Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC1681 section 602 states that I have a right to privacy 15 USC 1681 1681 section 604 a section 2 I consumer reporting agency can not furnish account without my written instructions USC 1681 C85 section States no consumer reported agencies may make any consumer Report containing any of the following items of information and other adverse items of information other than records of probation or crimes witch anti-date The Report by more than 7 years, 1681 S2 A1. A person shall not any furnish any information related to consumer to any consumer reporting agency if the if the 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 explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2022 - CALLED Equifax. Still on hold, after an hour of being transferred. I did speak to " XXXX '' who barely spoke XXXX and couldn't understand that I wanted to unfreeze a block, but couldn't access my account. Another 30 minutes, and I still don't have access to my account, and I can't unfreeze my credit!!!!! 

My credit score is around 830, so I WOULD HAVE BEEN ABLE TO TAKE ADVATAGE OF THE OFFER, but I am UNABLE to apply ( and the offer expires today ) due to an EQUIFAX freeze. XXXX and the Equifax personnel are clearly inept. 

I'm also a victim of the Equifax breach, and I find this " Equifax entity '' to be USELESS. Please shut them down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Credit profile is showing address 's that do not belong to me or that I am not associated with.

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