vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have a XXXX XXXX XXXX XXXXXXXX currently administrated via Barclays. I have auto payment of my full statement balance set up for past several months, paid 1st of the month. On XX/XX/XXXX, my statement balance of {$4500.00} autopay was initiated, and successfully/confirmed processed by my bank on XX/XX/XXXX, first business day after XX/XX/XXXX. Barclays then processed the auto payment AGAIN, on XX/XX/XXXX ( not authorized, not imitated by me, the customer ) for another {$4500.00}. This overdrew my checking account from a different bank, to which my auto payment draws from, and, because I have overdraft protection on that checking account, it completely drained my linked savings account as wellso I was completely wiped out, financially, of all liquid funds from my primary banking institution. 

I contacted Barclays and they said they were investigating. That led me to speak to a supervisor, who noted that XXXX XXXX was aware and researching the issue, which was known to be widespread. I called my checking/savings account bank to put a stop payment against Barclays for XXXX charges and they noted they have been receiving calls all day from impacted customers. Researching online, Barclays appears to have done something similar in XXXX and perhaps again circa XXXX. 

I have had credit cards for 30 years and have never experienced anything like thisthe bank itself was who I wanted to report as having committed fraudulent activity on my account. They can say it was a technical glitch but that is not acceptable for repeat behavior by a massive banking enterprise ( or anyone! ) How many millions of dollars did they temporarily steal or rob people of access to? How many peripheral fees will customers have to incur and get stuck with as a result of another such mistake? How much time will consumers have to spend trying to talk to Barclays and their own financial institutions to recover those fees and be made whole again? 

Barclays should come with a warning label for potential customers to be made aware of. Occasionally we may pay ourselves twice using your money. In my case, and the case of approximately XXXX million+ customers, our Gap cards were moved from XXXXXXXX XXXX to Barclays through no choice of our own, so we got stuck with this company which seems to have issues handling money properlyand if you cant rely on a bank to do that one thing rightthey should not be permitted to operate as a bank.

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 2022-10-05 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: CA

Complaint narrative:
Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove one, I gave them permission to furnish and two, I was clearly giving an opportunity to opt out of reporting in which the law allows if not public information is being furnished.

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 2022-10-05 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I reviewed my credit report and noticed inaccurate addresses on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove one, I gave them permission to furnish and two, I was clearly giving an opportunity to opt out of reporting in which the law allows if not public information is being furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Because of the Pandemic most of my accounts in my report could not be Pais. I did try to address the accounts but they didn't seem to care or understand what was going on during this time. I have reached out to One Main Financial, XXXX and many other around XX/XX/2020. They took money from me and instead of using that money to go towards the balance they used it towards the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
To whom it may concern, This is a formally submitted statement to inform you of an error that had occurred on my loan account, referenced above, during the payment of my XXXX taxes, in which the amount of {$1800.00} was paid out of my escrow account twice ( XXXX ) on XX/XX/XXXX. I was notified via letter in XX/XX/XXXX that the error had caused my monthly mortgage payment to rise by {$150.00} due to an escrow shortage making my new monthly payment {$910.00}. 
Since the rise in my monthly payment, I have been made to put my home up for sale as the steep incline in my monthly payment was unforeseen and unaffordable. When the error was made clear to me after looking into the rise of my monthly payment, I made contact to begin correcting this error with a phone call to PHH Mortgage 's customer service department on XX/XX/XXXX which ended with the promise of an answer within a business week, but after no return call, I made contact again on XX/XX/XXXX ; which I was told that the issue was now being submitted to a different department to be looked into. I made 3 more attempts via phone call to their customer service department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, making a total of XXXX hour and XXXX minutes on the phone with no progress being made. 
I have been in contact with multiple PHH Mortgage personnel including XXXX, XXXX, XXXX and XXXX. My request has since gone through PHH Mortgage Servicess tax department, escalation department, and research department with little to no answer for the error that occurred. I was informed via email on XX/XX/XXXX by the XXXX Department that PHH Mortgage Services reached out to my Tax Assessor and confirmed that my taxes are paid to date and that a refund is not due from the Tax Agency with no mention of the still missing second withdrawal from my escrow account ; according to the county, one tax payment was submitted from XXXX in the amount of {$1800.00} XXXX # XXXX. However, I received an email by PHH Mortgage on XX/XX/XXXX stating that they have yet to hear back from my tax assessor. The company has continued to email me under the pretense that I do have a refund but it now has been sent to the wrong company and they are looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: IL

Complaint narrative:
There were fraudulent inquiries reporting on my file that I DID NOT authorize. I'm not familiar with the companies, nor did I ever EVER give them written or verbal consent to pull my credit report. 

Also, I've spent over an hour on the phone with this Credit Reporting Agency ( EQUIFAX ) trying to resolve this issue. I was instructed by members of Equifax that I needed to fill out the required FTC report and send in a cover letter and an additional letter with my Social Security Card and License as verification of my identity. I've sent all of the documents required of me and still have not seen any true or valid action taken addressing the fraud. Nor have I been contacted by the company in that span of time, despite them coming to a seemingly adverse result. 

In calling them to verify they received my mail, which I sent certified, they claim they have verified these fraudulent inquiries. 

HOW CAN YOU VERIFY FRAUD!? 

As a consumer I am very upset that this credit reporting agency is blatantly disregarding my claim, and acting unethically and adversely in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: PR

Complaint narrative:
Since 2016 I've been trying to validate with Experian the Public record XXXX XXXX th posted in my credit report. Ive made several complaints through this portal, also I sent several certificate letters but as of today they havent sent me the evidence that accounts belong to me. Experian obtained that information from ( Third party vendor ) XXXX. I have contacted XXXX. They sent my consumer disclosure report which shows clearly that I dont have any bankruptcy in my records. Also, I contact U.S Court XXXX XXXX and sent me a letter expressing that any local or federal court does not report or give any kind of information to the Credit Bureau or anyone else. However, theyre still reporting it. The law says that if the validity can not be verified, then, Experian is obligated by law to remove the item. I have repeatedly asked for evidence to support their report, any documentation, name of the person ( s ) that they contacted, address method of verification and still have failed to me. Fair Credit Reporting act provides concurrent jurisdiction in Federal and states courts to use the courts as needed to enforce my rights under the FCRA. I also understand that Experian is acting discriminatory against me, although Im an American citizen that lives in XXXX XXXX instead of living in the states. Because of that Im planning to fill a lawsuit against Experian for violating the FCRA 611 ( a ) ( 7 ) To avoid extreme cost in lawyers and payments and violation damages by {$2000.00}. I am making a final goodwill attempt to have you clear up this matter. Otherwise, I will use this complaint for evidence in court showing that I've tried several times to clear up this matter before going to court and sue for my rights as a consumer.

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 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I have a federal student loan that is eligible for the student loan cancellation. I am eligible for {$20000.00} in forgiveness. I made a total of a little over {$8600.00} in payments during the payment pause for Co-vid to take advantage of no interest to try and pay down my loan. I called Nelnet on XX/XX/2022 to request a refund for the payments I made during the payment pause from XXXX XXXX on. They told me I would receive the refund in about 4-6 weeks and I would get an email with the status of my request in the following week. I never received that email. I hadn't heard anything at 5 weeks so I called them and they said it would be 6-8 weeks to get a refund. I am now at the 6 week mark and in order for me to get my refund at 8 weeks I would have to have my loan balance reinstated on the website by now which I have not. Also I see people that have called Nelnet after I did already getting their refunds while I still am waiting to get my balance reinstated. I am worried I will not receive my refund that I am entitled to in time for the debt cancellation. Then I will have to start repaying my loan in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2022-10-05 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has failed to adequately validate or verify a medical collection debt " XXXX XXXX XXXX XXXX XXXX '' on my credit file. I have disputed this collection multiple times with Equifax online tool, which comes back verified within days. I also mailed a debt validation letter to the collection agency with XXXX tracking XXXX with no response or deletion of the bogus collection. I also sent a copy of the debt validation with another dispute to Equifax with XXXX tracking XXXX with no response or deletion of record from my credit file. Please see copies of all correspondence in the attached file section Confirmation number : XXXX - 2 days to " verify '' Confirmation number : XXXX - 4 days to " verify ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: NJ

Complaint narrative:
The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile. I have not initiated any transaction with the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review or collection. XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX. Dispute letters were sent to the companies to dispute the matter, no correspondence yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: NJ

Complaint narrative:
The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile. I have not initiated any transaction with the companies listed below. Furthermore, I do not have an account as defined under XXXX5 U.S.C. 1693a ( 2 ) with the companies listed below for review or collection. XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. Dispute letters were sent to the companies to dispute the matter, no correspondence yet.

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 2022-10-05 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: PA

Complaint narrative:
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 NO ADDRESS ON FILE Dear Sir or Madam, I saw that the companies above pulled my credit report on TRANSUNION, XXXX, XXXX. 

I do not understand why they believe they had the right to do this. I did not give a permissible purpose to anyone pull my private credit report. 

Please tell the credit reporting agencies to delete the inquiry or tell me in writing how you had the permission under the Fair Credit Reporting Act to pull my credit report. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-10-05 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I received a text message from Equifax stating a freeze has been placed on my credit report with a confirmation number XXXX. I contacted them and they stated there was no freeze on my report, a few months later I applied for a loan and was denied because there was a freeze on my Equifax report and they were unable to get my score. I contacted Equifax again and they took me through the verification questions they did whatever on their end and told me it would be fixed in 3 days to no prevail. My credit karma app stopped showing my Equifax score in XX/XX/2021. I have contacted Equifax at least XXXX times and I still can not get my credit report and I was denied again for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: WI

Complaint narrative:
I reviewed my credit report and noticed inaccurate addresses on my reports.

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 2022-10-05 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I reviewed my credit report and noticed inaccurate addresses on my reports.

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 2022-10-05 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: MN

Complaint narrative:
Was victim of identity. And TransUnion refuse to move hard inquiries from my credit profile that was the results of identity theft

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 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I scheduled a payment on XXXX that was removed from my checking account and applied to my balance. However on XXXX, Barclay removed another identical payment of hundreds of dollars from my bank account. The money is missing from my checking account and has cleared according to my Primary bank however, it is not reflected in my credit card balance, nor was it scheduled. Upon calling all they were able to tell me is that it was a known issue, and they were not able to offer any resolution. So they erroneously took money out on a random day for a payment that wasnt scheduled. They then offered no resolution or to make me whole because I incurred other fees due to funds not being available that shouldve been in my checking account.

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