vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit 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 2023-10-24 00:00:00
Product: Credit 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: NY

Complaint narrative:
RE : Transaction Date XX/XX/2023 Merchant name : XXXX XXXX  in the amount of {$410.00} Chase website did not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. 
Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than 30 minutes after this phone call I received an email letter from chase stating we resolved your dispute. Nothing was resolved, nothing was refunded, Chase is a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
I signed up for auto payment of my student loans with my new loan servicer, Mohela. 
Student loan repayment resumed in XXXX. My account was not debited, and I received a letter from Mohela saying that my account was placed into forbearance. I called and was on hold for 2 hours and 19 minutes, which is unacceptable. The US Department of Education should have customer service metrics and requirements for contracts, and there should be penalties for wait times this long, since they indicate the company is focusing on profits over customer service.

The person I spoke to said there was no reason that she could see for the administrative forbearance on my account. She also noted that many other people had there loans placed into forbearance. Not knowing the profit terms of their contract, I worry that Mohela may have done this to squeeze out extra interest on loans. 

When I asked the customer service person how I could submit a complaint to Mohela, she told me there was not a way, and to reach out to the Dept. of Education, which I had already done. I then waited on the phone for 25 minutes while she waited to find out how I could complain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife is deceased on XX/XX/23. I went to Chase Bank to close her accounts. I am her husband. The bank manager told me that someone had already closed her accounts. This happened without my permission. The bank won't tell me who closed the accounts. There is no designated beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a 6 month CD with Truist Bank on XX/XX/2023 with {$10000.00} at the current interest rate which was about 4.5 %. I bought the CD so as to qualify for a free checking account which required that I keep at least {$10000.00} on deposit with the bank. I requested that the CD automatically renew, which it did on XX/XX/2023. Two weeks later, on about XX/XX/XXXX, I received notice that the CD, now worth {$10000.00} had indeed renewed but at an annual rate of .01 %. The going rate at the time was nearly 5.00 %. They were clearly hoping that I, and presumably the other thousands or tens of thousands of customers that they were doing this to, would not notice their attempt to hold my money without paying interest. XXXX percent of {$10000.00} for XXXX months is XXXX cents rather than the nearly {$250.00} I would have received had they renewed in an honest manner. I went to the bank branch since Truist could not handle the matter over the phone. The bank manager had the nerve to claim that since they were not offering 6 months on the renewal ( only 7 months ) they were only able to renew it at the .01 % rate. I told XXXX that they no longer had my trust and that I would be closing my account as soon as I could arrange to set up my XXXX XXXX deposit at another bank. The manager closed the CD, ever so generously waving the nearly {$25.00} penalty for closing the CD early ( sarcasm here ), and put the money into a money market account paying about 3.75 % interest. Meanwhile I have requested XXXX XXXX to deposit my monthly benefit in another bank which they will start doing in early XXXX. At that point I will close all accounts at Truist.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I keep receiving a bill from my PayPal account. The account is ending with XXXX. The current balance as of XX/XX/2023 is {$450.00} and minimum payment due is {$260.00}. I have no idea where it came from. Sychrony Bank/PayPal Credit keeps sending me a bill which I have not authorized and charging me an excessive amount of interest every month. This is not acceptable. It ruins my credit score. The transaction is a fraudulent activity done by someone else. I have not purchased any items using PayPal. Please contact the Synchrony Bank / PayPal Credit to fix this issue and recover my credit score as soon as possible. 

I am a person with higher education XXXX XXXX XXXX I studied at XXXX XXXX and XXXX XXXX. I only pay for what I have purchased. Thank you for your help. 

Best, 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 2023-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: KEYCORP
State: NH

Complaint narrative:
I send in the statement coupon with every single check that I pay my mortgage for. On said coupon is the payment due date and each check goes with each statement. I never pay more than one payment each month and it is accounted for by each payment coupon. I got a statement dated XX/XX/2023 for the dates XX/XX/2023 to XX/XX/2023 and a due date as XX/XX/2023. I sent a certified check in the mail that will be getting there tomorrow ( XX/XX/2023 ). 

I just got ( on XX/XX/2023 ), a statement for the dates of XX/XX/2023 to XXXX/XXXX that also says the due date is XX/XX/2023. 

No 2 statements should have the same due date for separate monthly mortgage payments!

Since I pay one payment every month with a check and the corresponding coupon, there should never be more than one payment applied per statement. That is common sense. I expect a bank to stay as organized and be on time as I am expected to do so. I am 100 % on time if not early with my payments. It is up to this bank to sort the payments out accordingly. That is on KeyBank 's end of our contract. 

When I have less than 1 week to make a payment because the statement didn't get to me early enough, that is not fair, right, or even legal. I have literally less than a week. I also don't have enough money to cover 2 payments in the same month because KeyBank can't keep things straight. People are suffering in this economy and this bank is praying on me. KeyBank has an obligation to get my statements to me in a reasonable time period before the due date so I can make a payment. I'm out of checks right now and can't send in a check. I'm absolutely not calling in a payment since that is not safe or secure. I do not have a KeyBank account to do a direct online payment with. Given their performance with my mortgage, their security breach destroying my financial security, that will never happen. I NEED THE STATEMENTS TO COME EARLIER THAN 1 WEEK TO THE DUE DATE and I need due dates to be separate. Apply my payments correctly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
All this year and all of last year each time I request to view my credit profile I was not allowed to. Transunion had me do several different things which did not 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 non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The late payments that are being reported on my credit profile violate my consumer rights under FCRA XXXX XXXX XXXX XXXX XXXX. As a long-time customer that has had an exceptional payment history with XXXX Of XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe companies of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXX XXXX my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  XXXX XXXX Balance : {$350.00} ; XXXX XXXX, XXXX XXXX XXXX : {$4600.00} ; XXXX, XXXX XXXX XXXX XXXX {$3800.00} ; XXXX XXXX XXXXF XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$28000.00} 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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I XXXX XXXX has reached out to these companies stating that I have no knowledge of these unknown fraudulent inaccurate negative accounts. I disputed these accounts and requested verification from these companies but they have failed to do a complete an investigation and provide me with any signed contracts, acknowledgements with my written consent, and any individuals names that were interviewed doing the investigation process. It is noted on both unknown fraudulent accounts that these items were disputed by consumer but meets requirement of the FCRA. XXXX, Transunion, and XXXX is ignoring and violating me as a consumer and did not complete a FAIR investigation within 30 days on my behalf which is a violation of my consumer rights. Before these credit monitoring services report any information by LAW they are supposed to make sure that they have my written consent and that anything reported on credit report is supposed to be XXXX Percent ACCURATE!!!! Each of theses credit monitoring services are reporting something different which is illegal. These unknown fraudulent negative accounts has caused my family and I embarrassment, financial hardships, and mental XXXX  due to being declined 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 non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
The late payments that are being reported on my credit profile violate my consumer rights under FCRA XXXX XXXX XXXX XXXX XXXX. As a long-time customer that has had an exceptional payment history with XXXX Of XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe companies of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXX XXXX my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

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 2023-10-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I dispute this collection every month! Nothing changed, I have no knowledge of this account, i dont even own a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My card was stolen and used to make a charge. When I noticed it was stolen I called Truist and let them know. The day after, a charge appeared on my card ( it happened over the weekend, charge appeared Monday ). 

I called them and started the dispute practice. They said it would be resolved before the first billing cycle and that wouldnt need to worry about the payment. 

As the deadline approached I called again to check the status. This time they said it would be taken off between the first and second billing cycle. No one told me I needed to pay. 

After the due date, the charge was still there and there was a late fee + interest. 

I called them and the fraud rep said the dispute was still pending but a Credit Card Services Representative would be able to credit the late fee and interest. She transferred me. 

He told me that he couldnt do anything, and that I needed to pay the bill. And only after payment, Id have to call again to discuss the late fee and interest. He was rude, I asked for a supervisor and he said there wasnt any. I told him I wanted to make a formal complaint and he said hed leave notes on my account and then that was the end of the call. 

I do not believe he actually made the complaint which breaks banking law.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00}.

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 non-monetary relief