vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All named XXXX, XXXX XXXX and Experian are in violation of compromising the principals information and also the cfpb for breach of information, their breach have casued ..... 
1. Reporting information that is not metro 2 compliant 2. Information that is fraudulent 3. THe illegal reporting of the Principal XXXX XXXX The report is filled with incorrect addresses, incorrect socials, and incorrect payment history, balances and more, Their reporting has taken longer than 30 days THe most important violation is that non of their employees know that the company they work for is a private company that uses codes and statutes as a cloak for authority. There are no laws that say they have the ability to report on anyone and their employees refuse to remove information. So now I bring this as actual and constructive notice of a lawsuit filed XX/XX/23 for account 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 2023-05-17 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: VA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/2023 Funds in my persnal account XXXX Chime bank put a hold on my funds no return or explanations they asking for an W9 for I don't have any business I'm looking for housing I am homeless so I'm saving for and apartment and the holding my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Inaccurate reporting in XXXX and XXXX, this account status should not have been updated. Causing derogatory marks on account, also, multiple months with XX/XX/XXXX and 90 days inconsistent, would like this removed, as it is in direct violation of the Fair Credit and reporting act. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: NY

Complaint narrative:
I never gave permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to run my credit. These inquiries are all fraudulent. I sent out letters to XXXX and Transunion multiple times. This is fraudulent. I am sick 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 non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XXXX, I took out a private loan for {$25000.00} through Sallie Mae. After deferments and switching to Navient, my loan went up to {$41000.00}. It doubled. I have called and spoken to Navient about the unfairness and illegality of this, and have had no luck. I understand accruing interest, but doubling a private student loan after 1 year in college is illegal. Currently, my payments are up to {$450.00} a month. I have called several times to get them lowered, to which they tell me I don't qualify for lower payments. I am a XXXX in an underpaid district, who also has federal student loans. I am also a mother of XXXX. I am struggling to get by. 
According to the Navient lawsuit settlement involving private loans, I should qualify for some forgiveness, if not all. 
1. My private student loan was issued by Navient or its predecessor, Sallie Mae. 
2. My student loans must have been disbursed between XXXX and XXXX. 
3. My student loans must have been delinquent ( behind on payments ) for at least seven monthly billing cycles prior to XX/XX/XXXX. 
4. I live in New York, which is a qualifying state. 

I am extremely upset and do not know what else to do. My next step is to seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: MO

Complaint narrative:
There was 6 unauthorized purchases on XX/XX/XXXX in 2 XXXX XXXX in XXXX and XXXX Arkansas. My card was not present and I never authorized any purchases at your stores. I dont even understand how a purchase is made at a gas station without a card present. 
1 : {$140.00} XXXX XXXX at XXXXXXXX XXXX  in XXXX arkansas unauthorized purchase 2 : {$140.00} XXXX XXXX at XXXXXXXX XXXX in XXXX arkansas unauthorized purchase 3 : {$140.00} XXXX XXXX at XXXXXXXX XXXX in XXXX arkansas unauthorized purchase 4 : {$140.00} XXXX XXXX at XXXXXXXX XXXX in XXXX Arkansas unauthorized purchase 5 : {$140.00} XXXX XXXX at XXXX XXXX in XXXX Arkansas unauthorized purchase 6 : {$140.00} XXXX XXXX at XXXXXXXX XXXX in XXXX arkansas unauthorized purchase These are all fraudulent charges being made at XXXX  without my card being present. 

Cash app says my card was not present and yet XXXX says my card was swiped. Cash app is refusing to refund the fraudulent charges. I tried stopping these charges while they was pending and cash app said I couldnt I had to wait for them to pay before they could do anything and now they say I approved them.I did not approve any of these charges. I dont even live in arkansas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I recently had an installment loan with Speedy Cash. On XX/XX/XXXX I paid the loan off in full. However, the company has a 3 business day payment processing so it was officially paid in full on XX/XX/XXXX. On XX/XX/XXXX I emailed the company to request a paid in full email verification and I also requested that my account containing my debit card and bank account information be deleted. Since the account is paid in full I no longer want my personal banking information to be stored in their system as this puts my personal information at risk. On XX/XX/XXXX a customer service rep responded via email claiming that by law they are required to keep my banking information in their system. This doesnt make sense to me since the account is paid in full and I no longer owe them. I understand they may have to keep account information such as loan amount, payments, status etc however I no longer want my personal banking information ( checking account number and debit card number ) stored in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: FL

Complaint narrative:
Hello my name is XXXX XXXX XXXX and a few of my federal rights have been violated! 

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, as well as some of the following rights also! 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 knows or has reasonable cause to believe that the information is inaccurate. 

XXXX : ACCT # XXXX, XXXX  XXXX : ACCT # XXXX, XXXX XXXX  XXXX : ACCT # XXXX, XXXX XXXX  XXXX : ACCT # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : ACCT # XXXX, XXXX  XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX : ACCT # XXXX, XXXX  XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX  : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX  : ACCT # XXXX, XXXX XXXX XXXX : ACCT # XXXX XXXX  XXXX XXXX  : ACCT # XXXX XXXX XXXX : ACCT # XXXX XXXX  : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX  XXXX XXXX  FIN : ACCT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My bank : SunTrust merged into Truist. 1-1/2 years ago. I had an interest only HELOC. Until XX/XX/XXXX, payments went to where they were supposed to ( using app- or online service. ) From XXXX to XXXX payments to interest only, could only be made by calling loan department, ( not online or app ) XXXX payment, I had to call Truist loan company to make. Truist loan dept, tried to make it interest only payment - but system no longer acknowledges that type of payment. After 6 calls, & attempts to backdate payment, ( & a trip to the XXXX XXXX XXXX ) reverse from principal only to interest only, they were unable to accomplish. 
My account now is listed as not paid for XXXX, & I can not pay the XXXX payment. I am told by Truist there is nothing that they can do. [ ( There is an original problem with the merger that they opened a whole new HELOC- in addition to my no-interest- which they added fees onto ) My original XXXX loan- was that charges ( eg. Insurance ) be added to existing HELOC balance.. ]

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 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have provided USAA with all supporting documents that show the transaction never successfully completed ( unlike they said it did in their reasoning for the denial ) to my XXXX account. An XXXX representative also told me while I was on the phone with USAA representative ( on a recorded line ) that they could not help me because there is no transaction for that on my account with them for them to assist me. The error is on USAA end ( I provided them with the proof that the transaction came out they refunded it when I first disputed it and then came back 3 months later and took it back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: NY

Complaint narrative:
I never gave permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX to run my credit. These inquiries are all fraudulent. I sent out letters to Equifax and XXXX multiple times. This is fraudulent. I am sick of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: NY

Complaint narrative:
I never gave permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX to run my credit. These inquiries are all fraudulent. I sent out letters to XXXX and XXXX multiple times. This is fraudulent. I am sick 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 non-monetary relief
Consumer complaint received 2023-05-17 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:
XXXX of XXXX, I realized my identity had been stolen, they been using my name to receive phones, money, everything. I report the situation to everybody, DOJ, crime victim, FBI, etc, with no help, these people have taken control of my identity, they stay connected to my phone. They won't stop.

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 2023-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
To whom it may concern, I have an FHA mortgage with US Bank Account number XXXX. 
I was under forbearance and applied for the XXXX  XXXX program in XXXX. I was since then approved for XXXX  XXXX and the funds were received by US Bank on XX/XX/. They are not applying the funds to my account. It is now XX/XX/XXXX and they still have not applied it. 
Furthermore, they arbitrarily set my account up on a mortgage assistance program with a trial period of three monthly payments starting XX/XX/XXXX. I called them on XX/XX/XXXX to let them know to remove me from this program and they informed me to email them at XXXX requesting I be removed. I did not sign anything from them for this program as I told them I was working with XXXX  XXXX. 

After a couple weeks I called back on XX/XX/XXXX and they spoke to XXXX at US bank. She said I needed to email and then one week later call to request that I be removed from the trial plan. 
She in that conversation submitted a request for me to be removed. I believe they are trying not to apply the Funds sent to them by XXXX XXXX since they erroneously set me up for the trial plan through them. To date they still have not removed me nor have they applied the much needed funds already sent to them. Please 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 explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I tried to retrieve funds from my account and I was told by Bank of America that there was a fraud alert on my accounts that I didnt put on there. I work for a large company and my check was being deposited there and no one is telling me why I cant have access to my funds. I am a veteran who served and protected this country and Im treat like this. I have a newborn that Im the sole provider for and I cant get my money that I work for everyday.

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 2023-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received an email stating that an XXXX XXXX was on its way in the mail. I did not apply for this credit card. I called XXXX right away and had this card shut down. The fraud department at XXXX has been alerted and they filed a report. Then I looked at the rest of my credit report on XXXX XXXX and noticed 2 hard inquiries that were not made by me that also brought my score down by at least 50 points. The first inquiry took place on XX/XX/XXXX and the second one ( for a capital one card for which I did not apply ) happened on XX/XX/XXXX. I have also been notified by my XXXX XXXX and XXXX XXXX cards that someone in California tried to use my information to purchase product at The XXXX XXXX and online at XXXX, purchases I did not authorize. Those purchases were fortunately caught and blocked by the credit card companies but I had to close my XXXX XXXX account and freeze my XXXX card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
In response to a prior complaint, Shellpoint, New Rez d/b/a Shellpoint or some combination has responded that they are servicing my loan on behalf of themselves and that they are the owner of my loan when in all other responses to prior complaints, Shellpoint has held that XXXX XXXX is the owner of my loan. I would like to submit a complaint for fraud and I would respectfully request the CFPB do what it is meant to do and protect consumers. I have been trying to establish the true owner for the last FIFTEEN YEARS so that I may negotiate with the proper party and there is obvious concealment, fraud and illegal activity going on with this and many other homeowner loans as a result of XXXX XXXX XXXXXXXX instructing us the miss payments in order to qualify of r modifications. This seems like a conspiracy and all agencies and courts seem to be aiding and abetting criminal activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is against Experian, ( consumer reporting agency ). I am disputing information contained on my credit report with experian, and in return Experian sent me a letter stating that it appeared as if someone else is disputing on my behalf. the letter that i sent them has my information on the returned letter and experian. Experian is refusing to investigate my disputes which is holding up the disputation process which then exceeds the 30 day investigative period. I choose not to call Experian for the purpose of disputing therefore i sent my disputes through the mail and i am requesting that they proceed with the investigation.

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 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX Charge excessive overdraft fees by Regions Bank When I call and talk to the bank representative and told them my situation. I was given a one-time a year courtesy overdraft fee. 
XXXX I was charged over to XXXX and overdraft fees. Averaging $ XXXX $ XXXXper month.

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 2023-05-17 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:
Ive been a victim of identity theft

Company response to consumer: Closed with non-monetary relief