vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Company misused dozens of lenders information from XXXX Company did not provide PayPal credit card with tradeline

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened a Citi XXXX XXXX account to take advantage of an offer allowing for an eighteen-month balance transfer with XXXX interest. My monthly payments were consistently due around the XXXX of each month, and were made on time. However, my son suffered a XXXX XXXX XXXX in XXXX, and with numerous medical appointments and XXXX visits, I unintentionally missed the payment due on XX/XX/XXXX. I promptly paid the bill, including all the late fees, on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from Citi notifying me of a substantial decrease in my credit limit, from {$8000.00} to {$2400.00}, citing " balances on revolving credit and low payments on one or more of your accounts with us '' as the reasons for the decrease. Interestingly enough, just a month prior, one of my other credit cards significantly increased my credit limit. 

I believe Citi 's decision to reduce my credit limit by more than {$5600.00} may have XXXX motivations, but it appears they are using the credit bureau as a cover. This explanation would be more acceptable if my credit score wasn't in the high XXXX hundreds and if I didn't have an impeccable payment history. I genuinely believe it's worth investigating whether Citi may be unfairly targeting a specific group of credit card holders. 

I made multiple attempts to contact the company to resolve this issue, but unfortunately, I haven't had any success.

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 2023-11-08 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: Garrison Investment Group
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX  # XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Date : XXXX. XXXX, XXXX  XXXX XXXX XXXX Date : XXXX. XXXX, XXXX  The evidence of this hard inquiry was requested and in fact that is not my signature or handwriting and I reiterate that this was identity theft and was used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Mr Cooper took over our mortgage in XX/XX/2023. They did not have any way in place to set up payment. They said that my auto pay would transfer. It never did. I sent in a one time payment, and set up auto pay. It came out correctly 1 time, then Mr Cooper charged my account, but it did not apply to my mortgage. I have called and called and called, no one will help. I am going to report this as fraudulent charge if it is not applied in the next 2 days. It has been terrible, I have called 14 times to try and get things done correctly. They are NOT answering phones, and I wait for 10+ minutes and get hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: GA

Complaint narrative:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

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 2023-11-08 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I spoke with a customer service representative she was unable to provide me supporting documentation that the account belong to me nor was she able to provide detailed information of the original creditor. I informed her this account was not my account and requested it to be removed from my consumer file immediate, its been well over 45 days no response from the collection company or the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
My complaint with SPS is the lack of communication with the HAF Program regarding our approval. I spoke with XXXX from HAF in XXXX of XXXX to inform us that we were awarded the grant and loan totaling $ XXXX. In order for the process to begin I had to provide a statement in their message portal to agree to the terms. XXXX informed me that a request of documents was sent to SPS to complete and send back. I received a call from XXXX, a Rep from XXXX, a home counseling agency, checking on the status and I informed her. I just so happened to review the message board of HAF and saw that we had been denied because the funds had been exhausted due to the no response from SPS. I immediately called HAF and SPS only to get nowhere. I spoke with XXXX from SPS Ombudsman Department, and she informed me that she is aware that HAF has had technical issues sending request thru the portal and this could have happened again but this was early in the year. She has escalated my issue to management to see a better outcome. I am left feeling perplexed because I was told everything is fine just waiting on the documents from SPS. I spoke with XXXX from SPS Ombudsman office today and sent an urgent request to the investor to see about a workout plan due to this mishap. I had a sale date of XX/XX/XXXX and feeling very uneasy and filled with anxiety due to the unknown. As I ponder on this entire situation, I feel like I was not put into the best situation. After initially filing for bankruptcy, in XXXX, they did not accept our payment. That is when our attorney told us about the HAF program. All this time the payments are building up. This XXXX of XXXX, the HAF program tried to contact the servicer and waited on documents i know for over 10 weeks. Only for me to start the process all over again. This is when we got the approval for both the grant and loan. All of my coversations with each Rep was recorded by the service and XXXX. I received the most insensitive rude and not willing to do his job employee ever from the Servicer. So much so, my Rep from XXXX got into it with him. I was so great that it was captured and I had a witness. As a matter of fact, I was encouraged to seek counsel regarding this issue from several professionals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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. 
Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX I Account number XXXX, XXXX XXXX XXXX I Account number XXXX XXXX Account number XXXX, XXXX, Account number XXXX, XXXX XXXX XXXX XXXX Account number Account number 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 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 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I was affected by the XX/XX/23 ACH error that caused direct deposits not to post. I reached out to the bank on XX/XX/23 and XX/XX/23. Both days I was told that there was nothing that needed to be done on my or my employer 's part and they expected to have the issue resolved by the end of the business day on XX/XX/23. I asked if they were XXXX percent sure there was nothing my employer needed to do, and they responded, " Yes. '' I called this morning ( XX/XX/23 ) and was told my employer would need to resubmit the payment, after being told otherwise the previous two days. I insisted that they credit my account for the amount of the deposit which I was willing to verify with a digital paystub. They refused. 

Throughout this entire process, I haven't receive one email, phone call, or notification in my account portal regarding the issue. I had to reach out proactively, and they gave me incorrect information about what needed to be done to resolve the issue. I still haven't received my payment, and due to the bank holiday on XX/XX/23, I have no reason to expect my deposit will post before Monday, XX/XX/23. 

JPMorganChase has spent more energy evading accountability for the human error at XXXX ( which they partially own ) than working to resolve this disruption to consumers ' lives. If I had been contacted or, at the very least, received accurate information when I contacted them on XX/XX/23 and XX/XX/23, this could have been resolved by now. 

The ACH error is unacceptable, but it is not my primary complaint. JPMorganChase 's response to issue has been completely inept, flat-footed, and dismissive. They have been sure to highlight that *only* 1 % of deposits were affected. Since this was such an inconsequential number of customers, they should've had a process ready to temporarily credit customers during this extended and ongoing failure to meet their obligations. They should also have fund available to compensate consumers, like me, who have had their ability to meet their obligations undermined by this error and the inept response in the days following. 

If nothing else, I hope the CFPB can put in place policies to prevent consumers from experiencing what I have and hold banks and clearing houses accountable in they same way they hold consumers accountable for late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-11-08 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: BARCLAYS BANK DELAWARE
State: WV

Complaint narrative:
XX/XX/2023 {$710.00} I have disputed this transaction awhile back, I did not get any confirmation for this dispute case. I have no information besides the screenshot attached saying that there is an existing case but I find no information about the status of it. I have proof that a credit is due from this merchant but Barclay hasn't responded to me at all.

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 2023-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

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 2023-11-08 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: GA

Complaint narrative:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2023-11-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2023-11-08 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-11-08 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: VA

Complaint narrative:
Companies XXXX, Transunion XXXX XXXX reported purposely PII

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 2023-11-08 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: VA

Complaint narrative:
Companies Equifax, XXXX XXXX XXXX reported purposely PII

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2023-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I called the collections agency which is named national credit systems my name is spelled incorrectly according to the landlord. My name should be written as XXXX XXXX XXXX on my paper work. I've also requested paper work from the collections agency and never recived it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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