vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 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:
At this time Transunion in collusion with XXXX XXXX XXXX XXXX, continues to share my non public private information and as a financial institution and vice versa. Not only that but XXXX continue to ignore written request of account ledgers showing my credits debits, and principal accounts for the so called debt in question. this XXXX account has already been removed from XXXX and XXXX due to said violations. XXXX has still not provided any Accounting or internal records to proof their validity and contract to collect as debt overall. I have sent Transunion XXXX forms of identity as well a an Identity theft report to support my claim and with evidence upon the description of violation broke by both the XXXX and Transunion the reporting company. Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft '' Transunion SHALL a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. All measures have been taken by The authorized person for the Estate of XXXX XXXX XXXX. TRANSUNION HAS NOT IN FACT BLOCKED the account regarded on my identity theft report.I never gave expressed written consent, nor was disclosed this company will be sharing with third parties nor has put the notice of " we will be sharing you nonpublic personal information with proper notice or conscious notice to the Estate ( consumer ) Not only that but pursuant to 15 US Code 6802-6809 XXXX XXXX XXXX XXXX HAS NO LAWFUL RIHGT TO SHARE MY NON PUBLIC PERSONAL INFORMATION TO THRID PARTY AFFILIATES SUCH AS TRANSUNION.

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 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OK

Complaint narrative:
I made payments totaling {$11000.00} during the COVID-19 Student Loan Payment Pause beginning in XX/XX/XXXX. On XX/XX/XXXX I made a phone call to EdFinancial Services to request a refund of all payments I had made after XX/XX/XXXX. I was told that a request for a refund had been submitted, however I was not provided an estimated time for this refund to be processed. I was also told that I would not be receiving any sort of receipt/validation ( via email or any other communication ) that I had submitted a refund request. I was told that I would not be receiving any communication about the status of my request I was told that I would need to contact EdFinancial Services myself to check up on the status of my refund request. I have continued to check my loan account through EdFinancial services weekly, and my loan balance has not been reinstated to what it was before XX/XX/XXXX. I have not received my refund or any communication regarding it. I placed a call again on XX/XX/XXXX and was refused a timeline on when I would be getting my refund. I was once again told that the refund request had been submitted, but nothing has changed. As of today ( XX/XX/XXXX ) my loan balance has not been reinstated and I have not received the refund of {$11000.00} that I requested on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I received a letter dated XX/XX/XXXX from XXXX bank stating that Mr Cooper would be servicing my mortgage after an effective transfer date of XX/XX/XXXX. I set up my XXXX bill pay to make sure the payment would not be late and to reflect Mr Coopers payment information. I called Mr Cooper on XX/XX/XXXX to make sure it was ok to make a payment and they told me to wait until XX/XX/XXXX to make the payment. I made the payment on XXXX and noticed the next day that it said it was scheduled for XX/XX/XXXX. I checked my bank on XX/XX/XXXX and saw that money was deducted from my account but after checking Mr Coopers website the next day it said my payment was 18 days late. I called my bank today on XX/XX/XXXX after seeing I was now 19 days late and they said Mr Cooper cashed the check ( that they requested instead of sending the money electronically ) on XX/XX/XXXX. I then googled Mr Cooper complaints and saw XXXX  had XXXX complaints filed and only has a XXXX Star Rating on XXXX reviews. After reading several of the reviews I also noticed they have a court judgement against them basically for predatory business practices which seemed to match the opinions of the consumers reviews being charged additional fees for Mr Coopers incompetence in servicing their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
The account is not reporting accurately. The balance is off by {$14000.00}. Which as we both know is a very large discrepancy.

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 2022-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am interested in disputing all inaccuracies on the credit report with Transunion.

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 2022-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone was Impersonating thru emails, my real neighbor sent out in email needing help collecting money for the fire that happened in XXXX XXXX and since shes an older lady she didnt have XXXX XXXX  or XXXX XXXX The Imposter that said was my neighbor said if I can help send money and she will give me a check or cash when she sees me. so she asked me if I can send her friend the money and she would come over to my house and give me the money plus another XXXX $ for my troubles. so after I send those transactions I reviewed the emails and I contact her and I asked her hey are you asking for money she said yesbut not thru XXXX or XXXX XXXX  because she does not know how to use them. And thats when I contacted my bank immediately. This is the email that contacted me XXXX. This are the emails I sent money to XXXX XXXX Please please help me. They scammed {$3400.00} for me. This has effect my life so much. It Happen in XXXX and the bank has done nothing. At one point they said I was going to get my money back then they denied it. They have to have the recording where a person told me I was approved to get my money back. 
I have pictures and email that Im more then happy to provide. Please they used in email super similar to my neighbors.

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 2022-10-20 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: CA

Complaint narrative:
I have notified Experian over and over again about this incorrect information. I have called and written them dating back from XXXX. 
I have provided accurate and up to date information regarding my auto loan which was paid satisfactorily and NOT INCLUDED IN MY BANKRUPTCY as Experian continues to report causing a dip in my score. I have sent in documentation showing proof that my auto loan account was paid in full from the lien holder continuously but Experian will not update the information.

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 2022-10-20 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:
Chase credit card. I called Chase cc cs before making a purchase with a merchant that had 1-star ratings and claimed to only issue store credits and no refunds for returned items, to make sure that I cant still get my money back if the items are not as described or unwearable. I was assured then that Im protected by Chase and Visa and will absolutely get my money back as long as I return the items. I opened 2 claims 3 weeks ago, one- for items that I have returned back to the merchant and provided shipping receipts with a tracking number, 2- item that was never received and shipping date kept getting delayed for 4 months. 
I uploaded proof and screenshots of a store credit of {$200.00} that I dont intend to use because I will never purchase anything from this store again, however, after a month Chase is still investigating the claim. I have made numerous calls to claims customer service and they just do nothing. They either hang up the phone without calling back so I have to wait on hold again and just keep saying that I have to wait for a merchant to respond. The merchant returns emails within 2 weeks. Chase has all the proof of returned items, store credit and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Called company to obtain information on account and to inform that account was not mine and is a result of identity theft, Operator could not locate account or give information on why written notice was not sent before collection was placed on report. Instructed to contact police, Contacted police who instructed to call Credit bureau, Credit bureau instructed to contact FTC, FTC redirected to CFPB. This is the second time that I have complained to credit bureau about this company. Credit bureau could not give information on how this debt was validated before being added to report, Aargon Company refused to provide contract to verify fraudulent account. This fraudulent collection that has been added to my credit report has severely damaged my credit rating dropping it from excellent to fair, this in return has caused me a hardship and denials for credit. Please assist with this matter. 

Thank you for your time and assistance 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 explanation
Consumer complaint received 2022-10-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-10-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On the morning of XX/XX/2022 I posted a sofa for sale on XXXX XXXX for {$600.00}. I was contacted by a man named XXXX XXXX. He asked the condition of the sofa and stated he was good with the price. He also stated he would send me the money through XXXX and his brother would be picking it up. The he proceeds to tell me that somehow XXXX took his payment twice and the only way to resolve the issue was if I sent the money back to him so they would release the total sum. At the same time I received an email from what appeared to be XXXX stating there was an overpayment and I would need to transfer {$350.00} in order for them to release the funds. After receiving the email, I believed this was just a hiccup, so I transferred the money. I provided proof once the funds showed as sent and then he proceeds to tell me XXXX now took a total of {$1300.00} from him and requested I send it back. I stated I received no money and I wasn't comfortable with where this was going. I then reached out to USAA since I used XXXX through their app. I believed since my bank was promoting this company, chances were great it was a trusted site. Especially with USAA. Once I told the gentleman that I believed this as a scam and I responded to the last email from XXXX, the person became hostile by XXXX XXXX ( which he was aloud to delete without my permission, alothough I have some screen shots ) and also through the " XXXX '' emails. The representative at USAA told me not to worry, go have a cup of coffee and all would work out. I was never told that rarely they get the money back or that I should report it to any other entity. On XX/XX/2022 USAA sent me a document stating they were not able to stop the transfer, could not receive the funds and the other bank was refusing to reverse it. Although I have all the proof showing I was scammed. How can a bank promote an app without protecting it's members? How is this legal? How is it legal that XXXX itself won't even allow you to report fraud or a scam? I am begging for help. I can't imagine how many other people are experiencing the same situation. 
The contacts I had from the scammer were XXXX XXXX on XXXX and XXXX XXXX - email : XXXX - XXXX XXXX XXXX ID : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I have sent requests to both Nelnet and XXXX for the original instrument of indebtedness to prove I owe over {$10000.00} in student loan debt. It has been over 30 days and I have not received it. I have called XXXX to have the debt removed and they have refused and can not tell me what information they have been given to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent in and on XX/XX/2022 and received no response. I then sent a 30 day ask to comply, and still nothing.

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 2022-10-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
( DISPUTE CODE - XXXX ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-Equifax XXXX XXXX XXXX-Equifax XXXXXXXX XXXX XXXX-Equifax XXXXXXXX XXXX XXXX-Equifax XXXX XXXX 04/03/2021-Equifax XXXX XXXX XXXXEquifax XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-Equifax XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: VA

Complaint narrative:
( DISPUTE CODE - XXXX ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in XXXX, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : 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 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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am interested in disputing the inaccuracies on my credit report with Experian.

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 2022-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am interested in disputing all inaccuracies on my credit report with Equifax.

Company response to consumer: Closed with explanation