vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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: NY

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 XXXXXXXX XXXX XXXX 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 2022-07-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This was included in the bankruptcy, I have been requesting for the proof of validation and the result of the investigation. I also sent several complaints and asking for the result but until now I never receive any response.

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 2022-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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 2022-07-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There was no Good faith efforts to establish live contact with a borrower generally consist of reasonable steps, under the circumstances, to reach a borrower. 
There were numerous Servicers/Debt Collectors, starting with XXXX XXXX XXXX XXXXXXXX XXXX , CitiFinancial, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and without any written notice, now XXXX XXXX XXXX 
The truth is the 6-year statue to file a foreclosure in New York State , had legally expired. Only the Judge in this case granted the Plaintiff 3-extensions altogether to file this expired foreclosure. 

The extraordinary financial costs added additional filing fees 3-times, additional lawyer fees, additional interest fees, and additional lates charges, which all of these additional foreclosure costs, were unfairly accumulated at the expense of me, the homeowner. 
The Judge without my knowledge, at the request of Servicers, the Judge appointed/installed a Guardian Litam, who accepted Service, and then a foreclosure judgement was entered by default. The Guardian Ad Litam was inappropriate, and unauthorized, and to the complete benefit of the Plaintiff, which tilted everything in the favor of the Debt Collector/Attorney 's. 

The results of the Judge inserting the Law Guardian was epic, inappropriate with negative consequences to the homeowner ( s ) and it was legally improper! I am not impaired, incapacitated, or in the military. This appointment was improper

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 2022-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A.
State: TX

Complaint narrative:
i received a late notice on XX/XX/2022 regarding an account with PNC bank that i do not have. They claim a total late amount due of {$130.00} for account number XXXX they have now created a negative impact on my credit and claim i am past due on an account i did not authorize or have anything to do with. need my credit fixed and all affiliation removed from pnc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I XXXXXXXX XXXX have a PayPal credit card Account Number : XXXX XXXX XXXX XXXX. 

For over 18months I attempted to contact someone at Synchrony Bank to help me adjust or lower my interest rate at the beginning of the Covid debt relief act. I am struggling to control the account because XXXX XXXX of my payment applies to interest. For example when i make a payment of {$90.00} ; {$57.00} applies to the interest and {$33.00} principle. This is a very unfair business practice. From my original XXXX claim in XX/XX/XXXX which i receive no response or acknowledgement from PayPal forcing XXXX to close the case. I have paid an estimate {$1000.00} in interest. 

I am asking for an interest credit or reimbursement, throughout the entire pandemic although i applied for the covid debt relief I continue to pay my monthly payments which was my responsibility.

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 2022-07-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am using USBank ReliaCard for unemployment insurance and have received a notification that I have funds available. However, I have been unable to withdraw or spend the money, and I have not been able to reach a representative from USBank to help me. When attempting to register the card on their website, I was locked out of my account despite providing the correct information. I have used this card in the past with no issues. 

Money was loaded on XXXX, I attempted to make transactions on XXXX, as well as contacting the company.

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 2022-07-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I recently applied for a first time home buyer program with Navy Federal Credit Union which I was denied. I applied for XXXX, which the pre approval usually takes XXXX to XXXX hours which the representative told me. It has been over a week and did not hear any from the lender. I called to check on the status and was told my application was denied due to debt to income ratio. This seem strange because other lenders have me at a 47 % ratio which NFCU says I am over their threshold which is 50 %. I believe I was denied based on XXXX XXXX. I was told in 2019 that my credit was the problem which at the time was a XXXX, which now it is at a XXXX. 
NFCU approved me for additional credit card limit but not mortgage. These practices with these lenders/banks has to stop, it has hinder my family and myself with progress in life because of a person who makes those decisions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: OH

Complaint narrative:
I had a Cash App account that I couldnt access due to not having the email or phone number associated with that account. So I called customer service and explained to them that I had refunds still coming into the account so I needed to be able to access this account to transfer the money once it was refunded to the account. The Cash App employee closed my account it has {$170.00} that they are refusing to transfer to my new account or give me the money in a check. I have provided them ID, all the account information, and now they are saying they will send my money to the unlaimed funds department for the XXXX XXXX XXXX  I have a reference # to track the refunds and they are still refusing to help me when their employee closed the account without my permission. The bank who issues Cash App cards is XXXX XXXX  and they wont return a call or help me at all either. I need my money please. 
Old Cash App tag XXXX XXXX New Cash App tag XXXX XXXXXXXX Refrenence # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX I noticed a charge from XXXX XXXX in the amount of {$250.00} and called Chase to report the charges. While I wait on hold, I notice other charges from the same company totaling {$600.00} on XXXX and then again on XXXX totaling {$600.00}. Once I got someone on the line with chase they asked me to look at the account to see any other non-authorized charges and I found a lot. Dating all the way back XX/XX/31 for XXXX for {$36.00}. Chase is Claiming a 60 Day Rule as company policy and Credit back all the small charges. But refuse to credit the charges listed above because it was outside the 60day start from the first Fraud. I have Contacted XXXX and they are waiting on Chase to start a claim with them to date Chase has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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 — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
These were paid accounts and were included in bankruptcy. I never received any response in spite of the many complaints I sent to them. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/201XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I deposited a check from my insurance company ( XXXX  ) into my account. All my chase accounts right now is being restricted because of something with the check. they said they have to verify the check which is understandable but why is all accounts being restricted I have kids.. they stated that the number they called no one is answering. I gave them 2 other number s to call and they said they couldn't call those numbers. I called my agent before calling chase just to make sure the number was good for them to verify the check.. they are attacking my character by restricting my account before doing an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WV

Complaint narrative:
XXXX is saying I owe them money as of XX/XX/2022. I haven't had them for probably 2 yrs. I have lived in a XXXX 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 2022-07-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Called XXXX XXXXXXXX XXXX bank and informed them i have not received my paper statement in the mail to make a payment. All the years I had this CC I have always mailed in a MO. When I called the XXXX the automated message stated my bill was like {$2400.00} and It should not have been that much. Long story short spoke to a fraud rep someone was using my CC and the lady stated she was going to put in a dispute and take 90days and will mail me a new CC and will have no late fees and and changed my email and phone number back to the original one I had when I opened. 
I was sent a new CC and try to register the new CC on line and it stated wrong email address and I have still not received my paper statements to make a payment. 
I have called the CC people on XXXX got hung up on several times I have called at least 10 times and all the reps have not helped me. When I do get a live rep I give them all my info and they still can not assist me, they stating that my email address and phone number are wrong again and I thought I had cleared this all up last month when I talked to the Fraud dept.. I guess not. I need some assistance on this ASAP, I am not getting no help at all or even a call back since I have got disconnected so many times. Customer service is rude and not helpful at all, if they do this to me just image all the other customers they do that too. All I want is to receive my paper statements and all my contact info to be correct since someone stole my Identity and used my CC. I am on the phone now XXXX and someone is stll using my CC nothing was ever changed like I was told it was. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2022-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-07-06 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: TX

Complaint narrative:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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 2022-07-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In 2018 my account at Bank of America was closed by one of my trusted business associates stole my card frauded a check from a company I work still today. The the organization understood what happen and fired that individual. The check I was just informed was for {$600.00} and the bank closed the account. 

The church / organization has no issue voicing for this misunderstanding so that this decision can be reversed. 

I have struggled as a student to get an account and this has affected me even now with trying to get a joint account with my fianc.

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 2022-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
We have been on a Forbearance Plan which was offered by XXXX XXXX Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a VA Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

Thank you.

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