vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
Fedloan stated that they processed my refund for my student loans, but I have yet to receive a refund after 3 months. I followed up with them many times. I also recently learned they switched my servicer to XXXX and I will have to start the process all over again, delaying the process and causing me to possibly pay interest on loans that were already paid off and requested to be refunded due to the new forgiveness program.

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: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I became a Bank of America customer back in XXXX. About five years later, they refused to block XXXX from making monthly charges to my account after I canceled their services and I had to close my BOFA account to prevent further charges from XXXX. 

Last month, XX/XX/XXXX, I decided to open new accounts with BOFA, because they are the nearest bank from where I currently live. I opened a checking account and a credit card account. On XX/XX/XXXX, I tried to make a {$3000.00} payment to my BOFA credit card and noticed they had a new system to do it. It had to be done through " XXXX XXXX '' and not directly as in the past. I clicked on my current BOFA credit card account, the only one shown on my dashboard and it took me to their " XXXX XXXX '' system. It automatically showed BOFA credit card account and I thought it was the only one I have with them and did the {$3000.00} payment. The next day, I noticed the payment had not been applied and I had received no notification that was being processed so I called them and spoke with a representative. He said I had to give it more time to post but I requested a confirmation that the payment was being processed. He said I could see that on my XXXX XXXX transaction history. When I checked that I noticed the payment had been applied to my old credit card account which I asked them to close more than 4 years ago. Then the representative said it would take 60 days for them to research that. I was very disappointed and called them back today, XX/XX/XXXX and asked to speak with a manager. She confirmed it would take 60 days to research that and said I should have deleted my old account from their XXXX XXXX system. I told her that I never used their XXXX XXXX system before and never added my old account. She said she couldn't help further. 
I need the CFPB assist me with such unfair situation. BOFA should have closed my old account when I asked them to do so and their XXXX XXXX system should not have pulled an old account that I never aded myself, automatically. 
Now, I need to find extra money to at least make the minimum payment to my current BOFA card that has a balance of {$3600.00}. It's so unfair. I have never maid a late payment on any account and have never defaulted on any debt. Thanks in advance for your help.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: GA

Complaint narrative:
Capio Partners is illegally reporting a fraudulent account on my credit report. I have never created an account with them or any of their third party affiliates.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported to my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX 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 2022-11-09 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: Chime Financial Inc
State: CA

Complaint narrative:
I was fraudulently charged by two different merchants when contacted chime they told me the information stands no error made. They couldnt have done any investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MA

Complaint narrative:
Our mortgage has been with XXXX  XXXX XXXX. During Covid ( my now estranged husband ) placed forbearances on our mortgage because his work is primarily commission-based. There have been multiple forbearances and while his understanding was that they would move to the end of the mortgage, a lump sum was expected to bring the loan current. He was allowed to begin the forbearance process even though we are both on the deed. This was for mortgage and HELOC. All ended in XXXX of XXXX. I brought the HELOC current myself, by making all of the past-due payments. I was not able to do this for the mortgage, given the amounts. I live in the home with my XXXX children and my youngest is in a special program at XXXX XXXX XXXX. I hoped to stay in the house just until the kids finished XXXX. We did not receive child support for a year, then $ XXXX, until we finally got a judge in our case- we now receive support, though no other help. I have the kids 100 % of the time, I work full-time as an Assistant XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX My estranged husband lives for free in multiple-family homes ( no mortgage in his name, no cost ), and I have worked diligently with the bank to stay in good standing. The judge in our divorce case determined it would be detrimental for my kids to move and that my husband had to cooperate with the loan modification process. I worked hard on this, and while in the mod process, XXXX allowed me to keep making monthly payments. My credit score is in the XXXX and my only other debt is a monthly car payment ( {$370.00} ). In XXXX of XXXX, XXXX  XXXX XXXX sold our loan to Selene Finance, a predatory company that said they offer modification plans too, to keep people in their homes, that they had all of XXXX 's info, and that I would have to start the mod process again with them I did all as told, submitted everything, but they would not allow me to make monthly payments during the mod review, making me even more behind in payments, and increasing the amount owed up from to {$63000.00} ( including penalties? ). They denied my modification saying I don't have enough income, then saying we made too much to qualify?? I XXXX XXXX an appeal letter on XXXX to be received on XXXX, yet they told me they denied my appeal on XXXX! They are destroying my ability to pay, stay in good standing with the bank and credit agencies, and will force me and kids from my home, and if my credit is ruined, I won't be able to get anything. I an terrified and angry at these allowed, yet clearly predatory practices that set people up to fail. Look them up on XXXX. I need help addressing this.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX creditor : XXXX -Account XXXX XXXX XXXX XXXX XXXXOriginal creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/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 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2022 I set up an international transfer to my account in the XXXX. The amount in USD was XXXX. According to Chase the amount to be transferred was XXXX GBP. They have held up this transfer for XXXX hours for review and now, according to XXXX currency exchange XX/XX/2022 this amount should be XXXX GBP. 

Although I realize that Chase is a business, they need to be a lot more transparent with their transfer fees, exchange rates and hidden costs. 

They are also holding up my transfer for 'review. ' Again, with absolutely no explanation as to why and I will not receive the adjusted amount for today 's exchange rate.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MO

Complaint narrative:
ERC is the company that sent the collection notice, dated XX/XX/2022. 

My family does have a XXXX account but we pay it as family and each of our phones are under my husband 's name. 

The bill is for {$340.00}. I called the collection company on XX/XX/2022, and let ERC know this is not me and I am not going to pay it. The customer service gentleman said okay I will update the records. 

Thank you.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've currently reached out to Transunion multiple times about my report and inquiries that weren't made by me. I've spoken to them more than XXXX times to get the issues resolved. I've mailed the police report at least 6 times and every time I've spoken to them, they've never received it. I sent by usps mail with tracking number. 

XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal and I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder of due course for any and all derivatives thereof for the surname/given name ; XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the XXXX XXXXXXXX XXXXn fact, so be it ; As the XXXX XXXX the company has violated my consumer rights in more than one way and has caused damage to my reputation. 

15 U.S. Code 1681 ( a ) States : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

It is a fact, no authorization nor consent was provided to post on my credit profile. 

It is a fact, no contract was signed with wet ink between me and this credit reporting agency to collect personal financial information. 

It is a fact, that my right to privacy is being violated by use of unfair credit reporting methods. 

It is a fact, that my consumer rights are being violated.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal and I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder of due course for any and all derivatives thereof for the surname/given name XXXX XXXX XXXX  XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the XXXX XXXX in fact, so be it ; As the XXXX XXXX  the company has violated my consumer rights in more than one way and has caused damage to my reputation. 

15 U.S. Code 1681 ( a ) States : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

It is a fact, no authorization nor consent was provided to post on my credit profile.

It is a fact, no contract was signed with wet ink between me and this credit reporting agency to collect personal financial information.

It is a fact, that my right to privacy is being violated by use of unfair credit reporting methods.

It is a fact, that my consumer rights are being violated.

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: MIDFIRST BANK
State: OH

Complaint narrative:
I reported to you XXXX XXXX for incorrect information on my credit report. They fixed it on my XXXX and XXXX but not my XXXX. XXXX sent me a letter saying they fixed the issue and I have that letter but its not fixed on my XXXX 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 2022-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2022, Synchrony Bank requested documentation of three payments I made related to the dispute. On the same day, I faxed my bank statements that included the payments. On XX/XX/2022, Synchrony Bank requested letters from my bank detailing the payments. I faxed the requested letters on XX/XX/2022. Shortly thereafter, I spoke with a manager named XXXX, with a XXXX, not a XXXXXXXX said. He said that XXXX of the XXXX disputes had been resolved. The third dispute was in escalation status. He assured me there would be no adverse credit action taken until the third dispute was resolved. The managers I spoke with before and after talking with XXXX said the same thing. However, on XX/XX/2022, I called again because I continued to receive more than a dozen emails and collection phone calls. The first representative, XXXX, explained that none of the XXXX disputed payments had been resolved contrary to what I was told, and to allow up to 90 days. She also said beginning XX/XX/2022, it would be reported to the credit bureau as late despite their policy printed on the bank of each statement. She transferred me to a Customer Service Account Manager named XXXX who repeated what XXXX said. He explained that as of XX/XX/2022, my disputes were pending case review. He also said a People Manager would call me back. XXXX called me back but offered no resolution or way to expedite the review. She said someone would call me back, but no one has called.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi, I noticed on XXXX XXXX XXXX that capital one charged me a {$28.00} dollar late fee.I made a electronic bill pay payment that was sent on XXXX XXXX and arrived on XX/XX/2022. ( due date ) Confirmed by my banking institute. When I called capitol one they informed me that it takes up to 5 days to post to my account. On their banking statement that information is no where to be found .Does state that I need to make a payment on the due date to avoid interest and fees, which I did. I have made electronic payments numerous times in the past, and have never been charged a late fee. I paid the balance in full. Payment of {$45.00}, and deducted from my checking account on the due date. ( XXXX ) Capital one posted my payment one day later on the XXXX of XXXX. I disputed this with the bank I make the payment with and they told dispute was denied, and to take it up with XXXX.

Company response to consumer: Closed with monetary relief