vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: CA

Complaint narrative:
Hello my name is XXXX XXXX .I writing requesting help in this matter .I gave a student loan with fedloan that was purchased by XXXX .But it shows on my credit report as me owing both parties when that is not the case. Im wanting fedloan removed from my credit report, because it make my report look bad seeming to owe more than what i do .Im making a formsl complaint to XXXX XXXX XXXX XXXX and XXXX XXXX If not all three XXXX is the first XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
To whom it XXXX concern, Bluebird has blocked/ closed my account due to valid disputes I filed. Although, Bluebird did not process my disputes. All Vendors with the exception of one, XXXX, has returned funds back to my account. I believe there has been a misunderstanding in communication between Bluebird and I and I am in need of your assistance. 

Please assist me in 1 ) Reopening my account as I have not violated my user agreement by filing valid disputes.

2 ) Unblock my balance of {$170.00} on my account. As well as my ability to view my transaction history.

3 ) Retrieve {$30.00}. from merchant, XXXX XXXX XXXX XXXX as they state XXXX will only allow the financial XXXX Bluebird to return funds to customers once a dispute has been opened. 
( Please see screenshot where XXXX is in agreement with the return of my funds ). 

Please investigate and assist me in addressing these concerns. 
Thank you for your time and attention to this matter. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
This problem is actually due to inaccurate reporting by my mortgage holder XXXXXXXX XXXX XXXX  which is the subject and related to 2 prior unresolved complaints - # XXXX -and XXXX. As described in my initial complaint XXXXXXXX XXXX back in XXXX verified my explanation of events and assured me they would resolve the issue within 15 days by sending Refund Modification documents. Unfortunately that has not happened and I filed a second complaint. In the process of this continued failure XXXX  took my loan out of Loss Mitigation. This complaint relates to the fallout of that action- my stellar credit rating went from the XXXX range down to about XXXX. I went to trade in my vehicle to discover this and was only offered a high interest rate. I was told at that time that after my mortgage company corrects their reporting I could refinance to a lower rate. 
There is such a disconnect existing within the communication flow at XXXX XXXX that my phone calls and conversations with representatives or messages on the app are all like starting over and go nowhere. This has gone on for the past 14 months! XXXX did send my account back into loss mitigation last week but no mention of correcting their mistake that affects my credit.

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 2022-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
Now mid Atlantic doesnt want to give me a location where the car is and they are constantly hanging up on me on purpose. 
They are charging XXXX repossession fee plus they said there is a administrative fee that the repossession place will charge and separate storage fee ontop of the past due amount. They changed the fees from XXXX. Online to XXXX then they said the full amount is XXXX because XXXX to pay over the phone then the book value of this car XXXX right now and I want to pay it off and have my title but they refuse to negotiate. The car has been in accident on the rear panel of the right side the panel alone cost XXXX the rear fender is about XXXX the car has XXXX miles the car is old XXXX XXXXXXXXXXXX XXXX and they are asking for {$7100.00} and the credit bureaus all three have incorrect reports of the balance and the car tag price initially XXXX deceptive practices XXXX XXXX XXXX never gave me all the documents complete of this transaction lied to me about the price of this car. I would be willing to negotiate XXXX to buy this car remove the repossessions from my credit and give me the title. They will not get anything for this car at an auction they are also threatening me to pay the XXXX in XXXX days or it will be auctioned without sending me a letter at all just verbally over the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The XXXX account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

XXXXXXXX XXXX account- wrong opening date, wrong closing date, incorrect owner information, incorrect remarks based on who closed the account. 


furthermore there are inaccuracy in terms of my credit report middle initial being wrong.

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 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Company issued check for monthly rent of XXXX and made out to the name our landlord 's company and was dropped at the post office on XX/XX/22 and deposited and withdrew from our account the following day XX/XX/22. On XX/XX/22 we become aware that the check did not arrive at the payees address and was endorsed by an unknown person. Personally went to our bank branch the same day XX/XX/22 to fix issue and was advised to contact police and sign a " Declaration of Unauthorized Endorsement or Altered Item ''. Both actions were done. Constant follow up bank visits, bank phone calls, and emails to XXXX detectives were made and no progress on the issue. Our bank sent an letter dated XX/XX/22 stating that given that no progress has been made the issue would be closed against our favor. No more information was given except that the last communication between banks involved were XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: AL

Complaint narrative:
I am trying to get help paying my monthly payment. I have talked with customer service multiple times about a rate reduction plan or any kind of assistance and they keep telling my they arent able to offer any assistance. My payment is {$1900.00} per month which leaves me no money for my bills at all and Im in the negative $ XXXX. I sold my car and lower all my bills. They refuse to help me. I am able to pay {$800.00} a month and they wont accept that at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXXXXXX XXXX  : ACCT # XXXX, XXXX  ACCT # XXXX, XXXX XXXX ACCT # 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 instruction 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 conviction 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 a to any 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 2022-12-23 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX : ACCT # XXXX, XXXX  ACCT # XXXX, XXXX XXXX ACCT # 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 instruction 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 conviction 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 a to any 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 2022-12-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My siblings and I since becoming Power of Attorney ( attorney in fact ) for our parent 's checking account in 2018, have encountered a plethora of problems with Wells Fargo compliance : in regards to how we are able to transact, and the amount of redundancy involved.

One problem that we've encountered is that Wells Fargo Compliance will not allow us to make any bill pay changes that were set up prior to us becoming P.O.A. for our parent 's account. 
We have had to set up a " special arrangement '' bill pay with XXXX to pay our parent 's supplemental insurance, as one example, and have consequentially have had to expend an exorbitant amount of time and energy to adjust to Wells Fargo unorthodox protocol. 

A second problem, is Wells Fargo transparency. 
We were not aware or notified that Wells Fargo had " linked '' my sister 's personal checking account to our " family trust account '', an account set up with the help of our elder law attorney to protect our parent 's assets. The " linking '' breached privacy and jeopardized our ability to report as separate accounts for the purpose of required audits, by Veteran 's Administration and Social Security.

We have screenshots and correspondence to support this complaint.

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 2022-12-23 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: OK

Complaint narrative:
Delete all hard inquiries 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
They are saying that I owe money that I don't owe. These are fraudulent claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: LA

Complaint narrative:
In lieu of sending appropriate documentation to EXPERIAN, EXPERIAN refuses to comply with FCRA guidelines in consumer reporting. consumer violations 602, 603, 604 of 15 usc 1681. see attached

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 2022-12-23 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: Creditors Bureau Associates
State: GA

Complaint narrative:
Date : XX/XX/22 I sent XXXX a copy of the company creditors Bureau associates, sending me a hospital bill without a proper XXXX release form, which is a violation of FCRA. Theyre not suppose to know the treatment Ive received. The tracking number of the letter is XXXX, this needs to be deleted!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
It should be noted that the XXXX is a client of yours, owner of wallet XXXX, that utilized your services to launder the money, as it can be verified by the following transactions : XXXX and XXXX through the wallet XXXX. 
The scammers were committing financial crimes, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX wallet in the total amount of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-23 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-23 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-23 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: CORELOGIC INC
State: CA

Complaint narrative:
As per my rights all the information in my credit report should be accurate and verifiable.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have the following 2 credit cards that show large outstanding balances : The XXXX and XXXXXXXX XXXX XXXX XXXX 

Both of the companies have not reported since XX/XX/2022. I have called both of them several times to update the balances and they said that it was a computer glitch and it would be fixed within a week. The XXXX has a XXXX balance and XXXX XXXX XXXX XXXX has a {$900.00} balance. 

I filed a dispute with XXXX XXXX and it still has not been resolved. I am in the process of refinancing my house and its affecting my interest rate. Thank you in advance for any assistance you can provide. Its very frustrating!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, so on the XXXX of XXXX I noticed I had two transactions one on my Chase online for XXXX  dollars and another for XXXX  dollars on my XXXX XXXX, this was all through XXXX. I called XXXX XXXX and they deemed it fraudulent and I was returned my money. Chase said I approved the transaction, I called asked for evidence and why it was denied the lady said she cant talk about the case past XX/XX/XXXX. I was notified that my claim was rejected on XX/XX/XXXX. My phone number was taken and XXXX XXXX saw three unknown areas were logged into and Chase either never looked into it or thought I was out of the country at the time. The man who scammed me was using my own number to call and harass me when chase first reversed the transaction. I never got notified of my transaction with the scammer until a day later. The photo shows him added himself then showed I didnt wan na receive messages at this number. Yet I responded with nothing.

Company response to consumer: Closed with explanation