vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive just reviewed a copy of my credit report and to my surprise, have found that the following information is reporting inaccurately. Please remove this from my credit report within 30 calendar days. Ive been informed by council that if you can not complete your investigation in 30 days, then these disputes must be removed by default. Here is the information that I need removed. 

XXXX XXXX  XXXX  XXXX late payments Late payments are illegal & should not be reporting on my credit report under law 15 USC 1681 A Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]

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 2022-11-21 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: TX

Complaint narrative:
Ive just reviewed a copy of my credit report and to my surprise, have found that the following information is reporting inaccurately. Please remove this from my credit report within 30 calendar days. Ive been informed by council that if you can not complete your investigation in 30 days, then these disputes must be removed by default. Here is the information that I need removed. 

XXXX XXXX  XXXX  XXXX late payments Late payments are illegal & should not be reporting on my credit report under law 15 USC 1681 A Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]

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 2022-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I have called my new student provider Aidvantage, to correct my monthly payment now that my loans were transferred to them from XXXX. I keep getting letters that my monthly loan payment is ~ {$1500.00} however they keep failing to add my wife 's loans which brings my payment to ~ {$1200.00}. I have called several times to get this corrected ( three times between end of XXXX and XX/XX/2022 ) and I keep getting told all is fixed but then get the same letter with the incorrect payment. 

I would like this to finally be corrected, but better yet, feel that if Aidvantage can not get this right, there are probably many other cases like mine out there. This leads me to believe Aidvantage is not prepared or well equipped to handle/service student loan payments. 

I don't know what else to do considering payments restart in a two months and am afraid they will not get it right and it will set us back financially. 

I was told it was the Department of Education because they keep saying she does not have loans. As you can see in the letters attached, I have been given many monthly payments from ~ {$990.00} t0 ~ {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems
State: MD

Complaint narrative:
My dispute is regarding : Financial Data Systems XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX Early XX/XX/XXXX Financial Data Systems XXXX XXXX XXXX XXXX, XXXX, and XXXX to report me for collections as owing {$90.00} in XXXX XXXX. They claimed that they sent me a notification regarding this debt in XX/XX/XXXX. I NEVER received any notification about this {$90.00} debt. The first I heard of it was when I was alerted of the collections on my credit report. 

Upon being made aware of this debt I immediately disputed it with all 3 credit bureaus. Both XXXX and XXXX removed the debt within 48hrs of my dispute. However, XXXX refuses to remove the debt. They state that " we have verified that this item has been reported correctly. '' Which is not true. This company never alerted me to this debt prior to putting me in collections. 

I called the company the week of XX/XX/XXXX. According to them the debt was from a service at XXXX XXXX XXXX in XX/XX/XXXX and they sent me a notice in the mail. Only 1 notice in XXXX, that's it. They never called me. I did not receive this notice at all. I believe they are lying. I gave the representative my phone number to have them call me back. No one called me back so far. I also filed a dispute with the company. I requested a dispute ID number so that I can call later to check the status. The representative said they don't have tracking numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
I have an account with Optum Bank that is supposed to distribute funds to me for my transportation expenses associated with my employer. However, Optum Bank has continually denied my requests for reimbursement of transportation expense because they claim that my request was not timely filed. According to their own rules, however, this claim is false. As you can see from the submitted evidence, in Question number 10 on Optum 's FAQ regarding transportation services, " you must file claims within 180 days of date of service. '' I filed my claims on XX/XX/XXXX for expenses incurred from XX/XX/XXXX through XX/XX/XXXX -- well before the supposed 180-day deadline. I received a confirmation email from Optum Bank on XX/XX/XXXX confirming submission of my claim. Yet when I followed up with Optum Bank on multiple occasions via telephone and email, customer service representatives and managers continue to deny my claims because they say I had to file within 60 days of the date of service, which is in direct contradiction to Optum Bank 's own rules they disseminate to their customers.

It is my belief that Optum Bank is making up rules as they go along with the intent of denying rightfully submitted claims to their customers. They are doing this because they are greedy and unethical. Please assist me in getting my rightfully deserved reimbursements from Optum Bank. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XX/XX/21, I was invited to apply for a Paypal XXXX XXXX Mastercard without impact to my credit score. I decided to see if I was approved, and what my terms would be. Again, I wanted to do this without impacting my credit and was informed that it would be so.

As part of the application, I was shown Terms and Conditions of the offer ( s ), which included multiple interest rates. There was three different tiers of interest rates, some of which I would accept, others I would not. I understood that I would be shown my exact interest rate before accepting the credit account to be opened.

However, after submitting a preliminary application, I was not shown my interest rate, but was approved for a credit line of {$750.00}. I have also received new hard inquiries from PayPal on my credit reports. 

In order to try and make the best of the situation, I called PayPal Credit Card Customer Service at ( XXXX ) XXXX to try and understand what these mysterious terms might be that were applied to my new credit line. I thought if the terms were good enough, I might accept the card. Again, I wasn't given any understanding of exact terms before the account was opened. 

I spoke with a person named XXXX at the number listed above and inquired of her what my interest rate might be. She said that the information wasn't available yet. So, even Paypal 's own Customer Service team didn't know what my interest rate was! Yet they opened an account for me? Without knowing terms? Seems odd.

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 2022-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Recently, I did an investigation on my consumer report which has caused XXXX XXXXXXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : 1. XXXX XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX XXXX Open Date : XX/XX/XXXX 3. XXXX XXXX XXXX Open Date : XX/XX/XXXX 4. XXXX XXXX Open Date : 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 2022-11-21 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: DE

Complaint narrative:
Recently, I did an investigation on my consumer report which has caused XXXX XXXXXXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : 1. XXXX XXXX Open Date : XX/XX/XXXX 2. XXXX XXXX XXXX Open Date : XX/XX/XXXX 3. XXXX XXXX XXXX Open Date : XX/XX/XXXX 4. XXXX XXXX Open Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Trans Union simply refuses to delete the XXXX ( XXXX XXXX ) XXXX dated XX/XX/27 that is not mine. Customer Service expected me to do their job and as well as asked me to submit irrelevant documentation. XXXX and XXXX with no questions asked deleted the incorrect XXXX inquiry from my reports with them. Furthermore, there is a fraud alert on my Trans Union report that I did not authorize and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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:
I recently received my credit report and noticed that there is an error on one of my accounts. With the XXXX pandemic, its been a tough time and I dont need my credit docked more than what it fair and accurate. 

As you no doubt know, it is also a violation of the FCRA that was established in 1977 to show disinformation on a credit report. Therefore, I exercise my legal right to have the 90-day late payment deleted on XXXX XXXX XXXX XXXXXXXX I ask that you respectfully confirm deletion, because this inaccuracy is unfairly penalizing my score making it lower than it should be, and I have been working diligently to get my finances and records corrected. 

Thank you and take care, ( Type first and last name ) only Client address

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 2022-11-21 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: DE

Complaint narrative:
Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : 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 2022-11-21 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: NY

Complaint narrative:
BANK OF AMERICA was first notified in XXXX that XXXX XXXX and others were repeatedly taking money from my account ( current total ~ {$100000.00} ) and did nothing to prevent it. She repeatedly used my money to pay the same household bills, but they didn't block those payments. 
I was repeatedly assured the account was frozen, and a few weeks later would find she was spending my money again. 
In XXXX, XXXX produced a report given to my social worker ( I am XXXX ) confirming that XXXX and friends were accessing my account, but still did nothing to stop the ongoing thefts. 
In XX/XX/XXXX, despite dozens of warnings that there is an identity thief, and their own report, they allowed her to change the address for ALL my accounts ( giving her the account numbers she didn't have ) and sent her new cards, cancelling mine. The employee who froze my accounts failed to give me the password so I can't access my own money, nor request new cards. 
The XXXX was paid in full in XXXX. Someone XXXX reversed that payment, and XXXX has stubbornly refused to use either the cash they have access to or the rewards points to pay off the card and has persisted in reporting it as months overdue, which has now resulted in all my credit cards no longer working. I am about to be homeless because of their screwup. I just want my money and credit rating back.

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 2022-11-21 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: LDF Holdings, LLC
State: LA

Complaint narrative:
I sent evergreen services notice to revoke my ach on XX/XX/XXXX, they acknowledged it. My debt management company also sent notice to revoke on XX/XX/XXXX. Friday XX/XX/XXXX they initiated a withdrawal of {$170.00}, when asked why this transaction was initiated when they were revoked they said its required, and a refund would not be issued. This transaction was revoked more than enough time in advance it should not have been initiated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EQUITY RESOURCES, INCORPORATED
State: OH

Complaint narrative:
I have contacted this company many times to get this situation resolved. I was in Bankruptcy, got out of Bankruptcytried to work with them and they put in default of my mortgage as soon as they released my Bankruptcy. 
Now, I continue to call to speak with someone and I cant get in touch with anyone to answer the phone! I need to know if they have received the payment of XXXX I sent to cure the loan and bring it out of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: CT

Complaint narrative:
on XX/XX/17 XXXX added hard inquiry from XXXX XXXX  to my credit Report as though I was applying for a refinance. XXXX XXXX  had no such permission, and I did not ask to refinance my house. I did not even initiate the phone call and the only thing I was asked about was a " soft inquiry ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
on XX/XX/17 XXXX added hard inquiry from XXXX XXXX  to my credit Report as though I was applying for a refinance. XXXX XXXX had no such permission, and I did not ask to refinance my house. I did not even initiate the phone call and the only thing I was asked about was a " soft inquiry ''.

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 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I open a chime account its been more than a year that I had it and now they are requesting proof of identity proof of address i submitted its been 2 months since they closed my account I cant access the app nothing. I just want to close my account and my money return. I did file a a complain thru XXXX XXXX and would keep on fighting and calling them til my money is return.

Company response to consumer: Closed with explanation