vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have three accounts with XXXX  ( XXXX XXXX ) that have not been accurately reported since XXXX of 2022. I have disputed this information with the credit bureaus and have yet to receive a response. It is showing I still have balances on these accounts impacting my score negatively. Today I have attempted to send a message and I keep getting an error saying there was a " glitch '' that my message couldn't be sent. One of the accounts has been closed since XX/XX/XXXX and they have not updated my report to reflect this either. XXXX also refuses to answer there phone lines it seems as I have waited hours multiple times to have this resolved.

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 2022-10-12 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX- Account Number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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: MD

Complaint narrative:
To whom it may concern, Im filing this complaint because Equifax has caused me XXXX XXXX and XXXX. Moving forward, I will be seeking litigation for defamation of character of reported false items. Im trying to handle this matter now. Im depressed and saddened, I Demand that they be deleted ASAP or I will proceed with a civil suit for is damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly. Ive been a victim of identity theft an account was opened in my name by XXXX XXXX. I submitted disputes In XXXX, XXXX And XXXX & I have been ignored every time. The account has been removed from XXXX on XX/XX/2022 and XXXX on XX/XX/2022. Admission is deletion especially if the other credit bureaus have remove this account from my credit report. I have provided all of the documentation to them such as an Identity theft report, copy of my ID and police report. Equifax has failed numerous of times in helping me get this matter remove. Under law 15 USC 1681 in 15 CSC 6992G, I have rights as a consumer where it protect me. I spoke to a specialist in the fraud department by the name of XXXX and she stated that the file was received but never process. This is totally unacceptable, I refused to continued to be treated in this manner. I never open an account or seek medical treatment with that company. I'm demanding help today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Name of Account : XXXX XXXX XXXX Account Num : XXXX has violated my rights. Name of account : XXXX XXXX XXXX XXXX Account Num : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2022, someone used my debit card information to make XXXX purchases from XXXX in the amount of {$1100.00} per purchase. They actually attempted a fifth purchase, but due to a limit on the card, I was able to cancel the card before it went through. I reported this yesterday to my bank Regions, but was told the charges were still pending and I could not submit the fraud claim until the amounts actually posted. They said this would occur today -- XX/XX/2022, between XXXX and XXXX XXXX. I contacted the bank again today, and the amounts XXXX x {$1100.00} are all still pending. I have now been told that I have to wait until tomorrow to submit the fraud claims. Right now, my account is about to be overdrawn due to these charges.

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 2022-10-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights. These accounts have shown as " VERIFIED '' by the credit reporting agency. I have provided proof of my credit report ( current ) that shows in fact that the inconsistencies are still on there, 15 USC 1681 sections 604A Section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions.

The below listed accounts are inaccurate and is improper use of my credit report... 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Closed Charge off )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
MOHELA has utterly neglected its duties as a servicer on two fronts : 1 ) failure to send me a letter confirming closure of my previous ( non-federal ) student loan account with them after I paid off those loans, and 2 ) failure to make its website and its phone lines operational and accessible to address problems for those who have federal student loans that MOHELA is now in charge of servicing. 

From approximately XXXX through XX/XX/XXXX, I had loans held by MOHELA due to my XXXX attendance at XXXX XXXX in Missouri. I paid off those loans in full ( in the amount of {$4500.00} ) on XX/XX/XXXX. Yet I have not received a letter or any other communication verifying that that account is closed. Fortunately, I printed out the receipt confirmation for my records, and an alert on my credit report says an account has been closed. But MOHELA has failed to send me any letter reflecting this, and that is unacceptable. 

Moreover, since my federal loans transferred from XXXX to MOHELA, I have been completely unable to view any of my info on MOHELA. The site won't let me go beyond logging in, despite all my troubleshooting. The site also won't allow me to create a new MOHELA account to view my federally-held student loans. To clear up this problem, I tried calling MOHELA 's helpline at least five times over the last month ( since XX/XX/XXXX ) and encountered wait times ranging from 100 to 125 minutes in each instance. No one answered even after I waited the entire 100+ minutes. I was curious about whether this problem was common and decided to do some digging ; I found dozens of XXXX threads of people experiencing the same unbelievable wait times and inability to reach a human being at MOHELA. Wait times of over 100 minutes are beyond ridiculous. What will happen once the debt cancellation application opens and I'm still unable to access MOHELA 's site and helpline? What will happen to millions of others like me?

In summary, MOHELA has failed in its duties as a servicer : 1 ) failure to send a letter confirming closure of my previous student loan account with them after I paid off those loans, and 2 ) failure to make its website and its phone lines operational to address problems with access for those who have federal student loans now serviced by MOHELA. This is beyond outrageous, and the CFPB has a responsibility to take action to protect millions of borrowers like me from MOHELA 's unscrupulous behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
My Mortage Company Carrington Mortage Paid My Property Taxes Twice. I've been reaching out to the Mortage company for 4 months and have not gotten anything resolved. I first reached out to Carrington Mortage Company threw Fax on XX/XX/2022. The amount of the over payment to the City of XXXX Tax Revenue is {$550.00}. Carrington mortgages made a payment to the city of XXXX for XXXX in XX/XX/2022 and XX/XX/2022. Because of this my Escrow is negative and my Mortage payment is {$100.00} higher than what it should be. I am a widow with XXXX income running my home. Inflation, groceries, utilities, gas etc. is rising and will continue to rise. The city of XXXX said it could take 3 + months to get a refund however Customer service rep stated they would make a request that Carrington Mortage return XXXX to my escrow account and do another escrow analysis to determine new mortgage payment and I would be contacted in 24 hrs. on a status. I've heard nothing. I was told by a supervisor I am not getting the refund and the company is not going to request a refund. I've faxed the Loan administration Dept and NOTHING. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
I had my PSLF application sent over from XXXX to Mohela back in XXXX. I have been unable to get through to anyone to tell me the status of my application since then and it is now XXXX. Most recently Ive been on hold with them upwards of two hours with still no rep to answer my call much less any questions. The deadline is soon approaching and Im worried I wont be able to have my stuff taken care of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
i tried to log into my users name at Bank or america i didnt know they licked my acct and they never told me this and to point out im on ss so the direct deposit check is in this bank for XXXX anyways something about i was complaining too much about a dispute i had with XXXX XXXX so i have funds available and all i keep doing is contacting them all i get is the run around in XXXX the person said ill get my funds in XX/XX/XXXX well XX/XX/XXXX already came and gone and i dont owe the bank so i want to know whats the delay i cant go down to a branch no transportation and the customer service reps said id receive a certified check in the mail date and month as said im XXXX XXXX XXXX and havent received 2 ss checks yes i informed the local social security admin so they know but dont know why this month ssa check wasnt sent so htis is about why im contacting you i tried i even contacted BOA on facebook so i get the run around there playing a transfer game all i want is my rightful funds sent to me i cant buy food or nothing seeing that bank closed my checking acct i wrote 2 checks to the land loard for rent guess what seeing both bounced like a ball i have to vacate my XXXX of 10 years so without funds you cant give a deposit or rent just tires of the bs this bank is offering ty

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 2022-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One won't verify my phone member making any king of online payments impossible through their website or app. When I call to make a payment they won't accept a debit card. They will only accept a check with my account and routing number. 

I don't trust them with that information and I don't trust that they will process a payment in time to prevent me defaulting on a payment. I have serious suspicions that they are deliberately trying to make me default on a payment. 

My first payment is due on XX/XX/XXXX and as of XX/XX/XXXX I have already been trying to unsuccessfully make a payment for three days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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: NH

Complaint narrative:
In XXXX of 2022 I submitted a validation request to XXXX XXXX. I Never received a response. I then sent Transunion a letter to either validate the alleged debt or remove to it. Transunion did nothing. This is an FDCPA Violation, FCR Violation and HIPAA violation. Ive included the correspondence as well as the 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 non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
An American Express XXXX XXXX back was open today. I found out because I got an email from my credit report that an hard inquiry was made today and the credit card was approved for XXXX and that it was summited online. Contact them to report fraud and they cancel the credit card. Credit bureau told me to make a report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX accounts were opened in my name Bank of America. Ive never banked with them.

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 2022-10-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Called credit company to make a payment arrangement to bring past due balance current and up to date. I was to make 3 payments for a specific amount of time and the account would then be back current and regular minimum due would go back to normal. I was told that late fees and interest would not be charged the first two months of the arrangement. Considering I was making regular payments toward my balance before the regular due date to bring the account current then late fees shouldnt have been charged anyway because I wasnt paying anything late. However late fees were charged to the account even though I was honoring the arrangement and my balance wasnt diminishing and I was still getting notifications that my account was past due despite my payment agreement to bring the account current. When I call them they tell me that the payments are posting to the account but the payment agreement doesnt activate until after I make the third and final payment which makes no sense at all. Im making payments each month and the payment arrangement is a verbal agreement that should be honored by both parties from the time it is made. They also said that the payment arrangement to make my days past due current and not being my balance current which also doesnt make sense because payment arrangemts are suppose to make the balance current thats the purpose of payment arrangements. The supervisor that is like to was talking in circles and not explaining anything and it looks like they set up regular payments toward the card in the disguise of a payment arrangement to bring the balance current and continued to charge late fees even though I was paying on time. The whole thing was confusing. I realized when I saw my balance not going down that they never even sent me anything telling me the details of the r that o made just a letter thanking me for setting up payments as though I just schedule regular payments toward a card which is not what I did at all. It was to be a payment agreement to bring my balance current. None of thier explanations made any sense at all and if I made a payment arrangement Im not sure how it doesnt activate until my final payment in the arrangement or why I would be continuing to get late fees if Im paying on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Deposited {$800000.00} in investor money for commercial real estate with JPMorgan Chase Bank N.A. Now, due to 'bank error '' the money is not available and all the bank can tell our client is that issue is being " escalated. '' Not what the error is, not when it will be resolved, not when the money will be available, nothing. The investors want some guarantee that the money is available for closing and the bank is not cooperating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I XXXX XXXX have been dealing with Transunion for over a year now and they continue to fail me and think that they are above the law when dealing with the furnishing of information on my consumer credit report. They sent me a notice about a credit repair company when I have reached out pertaining to Dept of EducationXXXX on a multitude of several occasions from the beginning of last year around XXXX when I started disputing. They have not provided me investigation procedures, they have neglected to open investigations and everytime when it comes to removing this information that I don't recognize and not only that it is extremely inaccurate they are always giving me the run around and not doing their job as if they are biased to the side of the creditor. I have reached out to the creditor about this account as to validate the information and dispute under several attempts and they don't get back to me either and neither does Transunion. Within the past year of trying to dispute this information I have suffered health issues and a mental toll dealing with this stress and enough is enough! Not only have they defamed my character severely there has been no proof of what they are stating, none of this information has been verified and I just am tired of being given the runaround.

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 2022-10-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
An account was opened in my name, my email address, and other private 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 2022-10-12 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: MO

Complaint narrative:
In Accordance with Fair Credit Reporting Act this creditor [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX ] has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666ba creditor may not treat a payment on a credit card account un der and 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