vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
1. I am unable to get my XXXX credit report. This has been a persistent problem. 
2. My XXXX credit report shows a drop in my credit score of XXXX XXXX even though there has been no negative reporting on my report. 
3. My XXXX account shows no update to my XXXX and Transunion credit scores since XX/XX/XXXX. 
4. My XXXX account shows no update to my XXXX credit score since 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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
1. I am unable to get my Experian credit report. This has been a persistent problem.

2. My XXXX credit report shows a drop in my credit score of XXXX XXXX even though there has been no negative reporting on my report.

3. My XXXX  account shows no update to my Experian and XXXX credit scores since XXXX XXXX XXXX

4. My XXXX  account shows no update to my XXXX credit score since 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 non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On XX/XX/XXXX, I submitted a mobile deposit of {$10000.00} ( the max allowed ) with a check from my parents to my account at Huntington Bank. We have the same last name. 

On XX/XX/XXXX, I received an email that a hold was placed on my deposit- which I completely understood and had no problem with that. I tried signing into my account later that day in the afternoon to check my balance and I was locked out. I called Huntington Bank, who proceeded to tell me that my account has been flagged for immediate closure. I was stunned. They provided zero details over the phone, except that I would receive a letter in the mail. I panicked and immediately drove over to the nearest branch. 

After calling their headquarters, I was informed by the bank teller that they suspected the check could be fraudulent. Instead of waiting to see if the check cleared, instead of contacting me, instead of contacting my parents ( who wrote the check ) or their bank -- they just decided to immediately close my account with no advanced notice to me. My account was completely frozen. Had I not tried to check my balance that day, I would have had no idea -- payments scheduled would have bounced- including my mortgage payment. 

The teller emptied out my account and handing me the remains of my account, consisting of {$2900.00} in cash. They told me I have to wait until XX/XX/XXXX when the check clears to get the {$10000.00} and come back. This is outrageous. Why would they close my account BEFORE concluding if the check was fraudulent? I was a customer of TCF for 20 years before it merged with Huntington. To make matters worse, this was the last day of the month -- I had to scramble to set up a new checking account at another bank in order to make sure I could pay my mortgage on time. I had to cancel planned payments and change them to my new bank. I had to take time off work to deal with this issue.by visiting my mortgage company to fill out paperwork in order to stop the auto payment for my that would have bounced. 

Perhaps the worst thing of all- is that the tellers told me this has happened to other people before. So Huntington has known about this issue, and has taken no measure to correct it and make sure it does not happen again. I still can not wrap my head around them deciding that they would close my account before the check cleared. If {$10000.00} is too much for a mobile deposit, perhaps they ought to change the advertised limits. Again, this was a check from my parents and we have the same unusual last name. My parents gladly would have come into the bank with me if there were any suspicious of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if there is multiple inaccurate reporting such as payment status, worst delinquency, and last update. This is ground for removal the also violated my rights under The Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), which requires that credit reporting agencies provide accurate and complete information in credit reports.

The discrepancies in payment status and worst delinquency suggest that there may be errors in the reporting, and the lack of recent data on XXXX violates the requirement for current and complete information in credit reports. 

The inconsistencies in this account on the credit report include : The payment status is different across all three credit bureaus : Equifax reports " not more than two payments past due '', XXXX reports " 30 days past due '', and XXXX reports " no payment status available. '' The worst delinquency is also different across all three credit bureaus : Equifax reports " 60 days past due '', XXXX reports " 90 days past due '', and XXXX reports " no worst delinquency available. '' The last updated date is different for XXXX, which is last updated in XX/XX/XXXX, while Equifax and XXXX are updated more recently in XX/XX/XXXX and have no recent data respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I attempted to reach out to collectors on XX/XX/23 and gave them ample opportunity to resolve this issue the account was closed and paid off

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went to XXXX XXXX to shop for cars on XX/XX/2023. During this visit, we were unable to reach a deal so I left the dealership. Later I received a message that my expectations for down payment and monthly payment could be met on a used vehicle, but I said that I would talk it over with my husband, who had been present for the visit to the dealership as well. 

This morning, XX/XX/2023, I checked my credit score and it had dropped by XXXX points overnight. So I researched the cause and discovered that XXXX XXXX had made two hard inquiries from credit bureaus without my permission. If more detail is needed, please advise and I will supplement.

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 2023-03-16 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: SC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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.

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 2023-03-16 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Resurgent Captial sold my information to XXXX without written consent. This is in attempt to collect a debt that is reporting in various companies on 3 different reports. However, the policy reads as follows. 

We collect personal information to provide our services. We do not sell personal information. If you are a business contact, most of the information we have was provided to us by you or your organization and/or collected directly through the use of our website. If you are a consumer in collection, most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. If you are an applicant or employee, most of the information we have was provided to us by you through the application or employment process. For more details on how we use, share, and delete personal information see our Privacy Policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a new vehicle on XX/XX/2022, financed by Truist through the vehicle dealership. I then refinanced the loan using my personal credit union. The disbursement of the loan payoff amount was made by my credit union on XX/XX/2022 in the amount of {$34000.00}. I also obtained new GAP insurance from my credit union for the refinanced loan. 

Then, on XX/XX/2022, the dealership mailed a refund check for the pro rated premium on the GAP insurance I had taken out on the original loan. This check, number XXXX in the amount of {$530.00}, was made payable to Trust Product Refunds and mailed to XXXX XXXX XXXX, XXXX, NC, XXXX. The check was cashed by Truist, as evidenced by an image of the cancelled check provided by the dealership. Based on the dates of the payoff and GAP refund, I believe that Truist deposited the GAP refund *after* my loan was paid off, and therefore I should have a credit balance with Truist for the amount of {$530.00}. I can not access my online account with Truist and my access seems to have been cut off once the loan was paid off. Because I opted for electronic statements, I can not verify the final statement showing the payoff amount or any credit balance. 

I have tried calling Truist at least 4 times, each time taking up to 10 phone calls to reach someone who was able to take down my information and promise to follow up. None of those calls have resulted in someone calling me back, and therefore I've had to start the process all over again. 

Unless Truist can show that the {$530.00} GAP refund paid by the dealership was applied to my loan balance, I expect to receive a check in the same amount from Truist payable to me. It is now 4 months after the refund check was deposited by Truist. This is unacceptable customer service.

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 2023-03-16 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:
I spoke with XXXX in the fraud department at Transunion. She refused to remove inquiries off my report that was reported as fraud. All the inquires were connected to the fraud accounts. 
Per the FCRA, inquires can be opted out in which she refussed to do so. I had been hung up on twice while trying to correct my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: MN

Complaint narrative:
I have my disbursements form my bankruptcy only to find out that payments were transferred from XXXX XXXX Mortgage company to Midfrist bank which is Midland mortgage. and all past due amount are paid so the cashiers check for XXXX added more than enough to cover escrow and taxes and any late fee. please review the XX/XX/2021 Mortgage statement and have them explain what is this total fees and charges are they added to my bill. see attachments and reopen this case.

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 2023-03-16 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: AZ

Complaint narrative:
I disputed the ownership of an account with XXXX XX/XX/2023. They said it was verified as accurate but when I asked for the original paper work to prove it. They have provided me with nothing. I have also disputed the account in the past 2 other times and still no paperwork.

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 2023-03-16 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: AZ

Complaint narrative:
I disputed the ownership of an account with XXXX XX/XX/2023. They said it was verified as accurate but when I asked for the original paper work to prove it. They have provided me with nothing. I have also disputed the account in the past 2 other times and still no paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a hotel reservation on Chase banks travel website, ( Chase Travel ) for the XXXX hotel in XXXX XXXX for 7 nights. On XX/XX/XXXX, I realized that I did not need 7 nights ( due to the time change when traveling to XXXX ) and contacted Chase to modify the reservation to 6 nights. After 90 minutes on the phone, the representative, contacted the property and assured me that the hotel would refund me upon my arrival. Upon my arrival this past week, the front desk staff at the XXXX seemed perplexed at my request for the difference in cash or back to my card. Today, XX/XX/XXXX, I reached back out to Chase travel. I spoke with XXXX, who claimed she was not required by chase to give an employee number or a city location. XXXX also claimed that Chase policy does not require her to give anymore information then just " XXXX from Chase ''. XXXX informed me that she did show a note on the account regarding the conversation I had with chase on XX/XX/XXXX, and confirmed the information I stated above. XXXX offered no resolution other than " we need to look into it ''. 

Chase has record of my conversation, record of the promise made by a Chase employee confirming I would receive a credit for the one less night stayed. They have failed to compensate me after spending more than 3 hours on the phone with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I received this email from XXXX on XX/XX/2023 to my student email saying that the payment terms for my student loan had changed and that I had a payment due on XX/XX/2023 ( 3 days from now ). These terms did match what I have read in my loan agreement. I do not graduate until XX/XX/XXXX, therefore my payments should not be starting yet. I have already reported this as a phishing scam but I wanted to check the validity of this email. I have pasted the email below : Navient Loan Services XXXX XXXX XXXX Navient Logo. 
Go directly to this document in your Navient Inbox. 

XXXX, the payment term for your loans has changed. 

Next payment amount : {$330.00} Next payment due date : XX/XX/2023 Pay Now This payment schedule replaces all previous schedules for your loans and doesn't include any past due amounts. All of the terms of your original Promissory Note ( s ) remain in effect. 

If you use a billing statement You'll soon receive an updated statement reflecting your new payment amount. 

We're here to help We're happy to help you navigate your options, provide you with resources, and answer any questions you have as you repay your loans. If you have any questions about this change or your account, visit us online or give us a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: CA

Complaint narrative:
n 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

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 2023-03-16 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: PA

Complaint narrative:
XX/XX/20 EXPERIAN contacted XXXX XXXX XXXX ( # XXXX ) and stated I claimed fraudulent activity on the account. to date EXPERIAN has not provided any proof that this occurred but has communicated this FALSE information to XXXX AND XXXX. I have attempted to correct this Egregious for 3 years and due to EXPERIAN 's negligence it has affected my consumer report ( including XXXX & XXXX ) and my fico/vantage scores, I have lost financial opportunities, embarrasment and anxiety/mental health issues.

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 2023-03-16 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:
in accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 non-monetary relief