vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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:
I asked the credit bureaus to do an investigation of everything on my credit report and they did The investigation and stated everything on the report was accurate I also did an thorough investigation myself and found Improper in accuracies Even after they did their report In coordinates with the fair credit report acting XXXX account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 States also state a customer consumer agency can not furnish A report without my written Instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase Bank appears to be intentionally slowly handling the check deposit from my home sale. They are insisting on holding the funds for XXXX days even though they verified that the check is valid with the paying bank. 

When you sell a home, it is reasonable to expect that the check deposited will be processed at least within a few days.I have made multiple calls to resolve and received misleading information ( one agent said the paying bank would not take calls to verify ). 

After resolving that mis-information and having the check verified as valid, I was told a supervisor would not release the funds until the XXXX days had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: NCB Management Services Inc.
State: AL

Complaint narrative:
The credit bureaus keep reporting my personal information as inaccurate, the last day active is inaccurate, and collection reported inaccurate. This is grounds for removal. They also violated my rights under the following : 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.S 1682 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have previously disputed US Bankruptcy XXXX XXXX # XXXX. And in response you verified the information as accurate, stating that you verified the information with XXXX XXXX. I contacted XXXX XXXX, and their response is enclosed. It is clear that you are lying as XXXX XXXX states they notified YOU on XX/XX/2022 to have the data removed. So, you are willfully and purposefully being unlawful. 

Therefore, your original response that you verified the information was a error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681I ) and the information should be deleted immediately. 

SO in response to your negligence, Ive filed another complaint with the CFPB. 
Ive filed a complaint with the XXXX 
Ive filed a complaint with the XXXX  Attorney Generals office. Intake # XXXX Ive attached your response dated XX/XX/2022 and the XXXX XXXX response. So Its obvious that you are being negligent.

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 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX, I woke up and noted that my available account balance was showing as negative {$470.00}. However, when I calculated the pending charges against the current balance, the available balance should have been {XXXX}. I called an explained this to a customer service representative and was given the explanation of the bank made a posting error. This posting error has caused me to miss work ( because I could not put gas in my car ), and it is still unresolved. I proceeded to add {$470.00} from my XXXX account, but my available balance is still incorrect. My account is incorrect by {$560.00}.

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 2022-06-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX with Account XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX with Account XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 2022-06-22 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: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient private student loans are income based driven loans. After my divorce, I submitted my documents to was then Sally Mae. Navient never acknowledged the divorce decree, which keep me as a financial hostage to them. Over the years I have written numerous letters to Navient regarding my financial status as well as my divorce decree. 
Navient private student loan services listed accounts on my credit report as being late more than 60 days which belongs to my daughter and ex-husband. Account has never been late. Daughter never disclosed to me anything beyond accounts in forbearance. Accounts has been in forbearance since the Covid pandemic. She is still unemployed. 
XXXX2 Change to all 3 credit reporting with XXXX credit scoreXXXX. On XXXX XXXX reported exceptional score of XXXX On XXXX, filed a dispute with Navient. On XXXX file a dispute with Attorney General office of CT XXXX, still waiting on that investigation as well. Score decreased. to fair XXXX, changes to score with XXXX. On XXXX, XXXX updated dispute with submitted documents. Also on the same date changes made with XXXX. 
XXXX deleted the accounts from credit files as of XXXX after their investigation of my dispute, however my credit score as of XXXX, has not been restored from fair to exceptional. which was my prior score before this issue with Navient inaccuracies. 
XXXX, Navient sent a letter to daughter stating that accounts were approved for forbearance from XXXX to XXXX. If account in forbearance, why are the showing as late more than 60 days/negative on my credit report. This should have never happened. 
Still waiting to hear response from Attorney General of CT as well as updated and restored corrected scores from all 3 credit bureaus. 
XXXX submitted additional documents to XXXX re : forbearance letter and dates. 
I have worked extremely hard to maintain and improved my credit score to exceptional status. This matter should be investigated and my scores for all 3 credit bureaus should be corrected and updated as well as restored to my exceptional status.. Navient 's negative reporting on my credit file should be deleted from XXXX and XXXX due to their error and unfair practices, not mine. Again, XXXX has already deleted Navient from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 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: VA

Complaint narrative:
I contacted Capital One regarding a cash advance fee as I did not make or request a cash advance. I spoke with representative who advised nothing she could do. Advised I have always used my XXXX with XXXX and never been charged a cash advance fee by Capital 1. I requested her supervisor which was XXXX who is a Customer Senior Account Supervisor. She repeated what her associate had said. I tried to explain to XXXX it was the same type of transaction I completed many times with XXXX and I have my credit card linked to XXXX and she advised XXXX must have changed their policy as they sent a code indicating it was a cash advance. I explained again it was not. I asked for her XXXX and she advised no one else was in her office that was above her. I asked again for her XXXX, she placed me on hold 2-3 times. She came back and said she would not let me speak to anyone else higher than her and she would be disconnecting the call. I asked her to not disconnect the call as my issue was not resolved. She disconnected the call. I was shocked the bank Ive used for many, many years would allow employee to hang up on a customer who had an unresolved issue. 

I called Capital One back. XXXX answered in credit card services. I asked to speak to someone hire up and he transferred me to XXXX XXXX and the party who answered told me he was unable to help me and I should not have been transferred to him. He then said hed transfer me to someone else in credit card services. I was placed on hold again and after a while, I was unable to hold any longer. 

I did contact XXXX and spoke to XXXX. Call # XXXX. He advised their process has not changed. He advised they did not send a code to Capital One indicating it was a cash advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX with Account XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 2022-06-22 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:
These accounts are not mine I noticed them recently and I need them off as soon as possible

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 2022-06-22 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: NV

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 XXXX year old daughter 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 explanation
Consumer complaint received 2022-06-22 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: NV

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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: TX

Complaint narrative:
I am a victim of Identify theft. Pursuant to 15 USC 1681b ( a ) ( 2 ) States that a customer consumer reporting agency may not furnish a consumer report only in accordance with written instructions from customer. I, the customer, never gave Equifax any written consent to report anything on my consumer report. No Consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX with Account XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 2022-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: VA

Complaint narrative:
I have resigned from XXXX and have asked to transfer my XXXX to my Thrift Savings Account. XXXX XXXX has contracted with a company called XXXX XXXX to execute this transfer but the company refuses to execute the transfer. I have tried calling and emailing but they dont seem to recognize XXXX as a legitimate financial institution. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed disputed XXXX XXXX Accounts numbers ending in XXXX and XXXX with Experian and XXXX on XX/XX/XXXX and XX/XX/XXXX. With both attempts, both Experian and XXXX have refused to remove the XXXX XXXX Accounts ending in XXXX and XXXX that are in violation of the FCRA due to the accounts reporting misinformation. Also, the XXXX XXXX Accounts ending in XXXX and XXXX have yet to be updated on my credit report, as the date of last report shows XX/XX/XXXX for the XXXX XXXXXXXX Account XXXX and XX/XX/XXXX for the XXXX XXXX Account XXXX XXXX XXXX XXXX has also failed to provide a written response to my inquiries on XX/XX/XXXX and XX/XX/XXXX within the 45 day response window. If Experian and XXXX does not immediately delete the accounts that are in clear violation of the FCRA from my credit report, then I will be filing a civil suit for each violation in court.

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 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had a Capital One Venture account for over 6 years and on 3 separate occasions, I paid the bill from the wrong checking account ( which the app defaulted to ) and then the payment was returned I immediately paid it with the correct account. My account was then closed for fraud because I paid from an old checking account ( accidentally ). I have accrued XXXX miles in the past 5 years with this card. I was planning on using these points for my honeymoon and now I am told " sorry there is nothing we can do and the reward points are gone. '' I was also told that I was going to get an update from Capital One within 14 days of when I contacted them ( which should have been XX/XX/XXXX ). I never received any correspondence and when I called today, I was told they have no way of getting in touch with me. That's funny considering they sure do know where to send bills and fraud letters. My initial contact with them was on XX/XX/XXXX. I would like my miles reinstated or {$2500.00} taken off my current balance. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
In late XX/XX/XXXX, LoanCare , LLC ( XXXX XXXX  XXXX ) incorrectly purchased hazard insurance for my mortgage loan. Upon calling numerous times, LoanCare responded and said that they recently erroneously updated the date of my insurance expiration to XX/XX/XXXX instead of XX/XX/XXXX. They also responded and said that the insurance premiums would be refunded to my escrow account as a result of their error. 

On XX/XX/XXXX, I received an update to my mortgage loan requesting an additional {$440.00} as a result of the negative escrow balance from the illegally and incorrectly purchased insurance.

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 2022-06-22 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: SC

Complaint narrative:
On XX/XX/2022, I wrote to all three credit bureaus and asked them to provide me with proof about my student loan account. I am sure I have not been late on these accounts but they are reporting as late on my credit profile. I waited the 30 days as required, but did not receive any documentation showing the payments were late as required by law. 

I then requested a re-investigation into my student loan payments on XX/XX/2022. Again asking for proof my payments were late as I am sure they have never been late. Still no reply as of today, XX/XX/2022. 

The accounts in question are 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 non-monetary relief