vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers XXXX XXXX XXXX XXXX of the following accounts 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  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

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 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Someone has gained my social security ( at least the last 4 digits, email address and other identifying info ) and tried to open a checking account with Citizens Bank. I received a denial from the bank on XX/XX/23 indicating that the application had been denied. 
====================== Personal Deposit Application Application ID : XXXX Dear XXXX XXXX : Thank you for choosing Citizens Bank and for your recent online application for the following account ( s ) : Product Name Citizens Quest Checking Unfortunately, we are unable to open your account ( s ) at this time based on the information you supplied when you completed your online application. However, one of our local branches may be able to assist you with the account opening process. When you apply in person, the banker may accept various forms of valid primary identification, such as a driver 's license, state-issued ID, or passport. 

Thank you for again choosing Citizens Bank. 
Sincerely, Citizens Bank =============== I contacted their fraud dept who verified that the attempt was real and that I should file a complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: FL

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 ). I am not the one who initiated these inquiries. These inquiries is hurting my credit score.

I am submitting a complaint regarding these inquiries and for assistance to REMOVE there from my credit report immediately.

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 2023-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OK

Complaint narrative:
I was contacted by CBE Group via text message on XX/XX/2023. I have not authorized this company to contact me using text messages. The link provided in the text message to pay online was used in an effort to identify the debt. The link will auto-populate an account number and requests a secondary piece of identifying information ; either cell phone number or zip code. I tried both ways and both times I received a message stating no account could be located. I do not know this company, I do not owe this company, and their system clearly has no record of my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
My sister I have received over 300+ calls from multiple different lending companies in the past 36 hours. all because I checked with penny mac about refinancing my house for renovation purposes. My sister is not mentioned in my finances anywhere. these actions are harassing, unwanted, and seemingly preparatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
On XX/XX/, I attempted to open a savings account with XXXX, also known as First National Bank of Omaha. Their auto check process denied my request, despite having multiple bank accounts elsewhere, excellent credit, etc. Three customer services agents on their chat application all gave me pre-canned responses about how they could not reveal their sources for the denial.

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 2023-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
This company provided inaccurate and conflicting information. They took my loan over from great lakes. I called on XX/XX/XXXX and waited for an hour and 30 minutes before someone answered. I asked about consolidated my loan and how that worked with IBR repayments. The woman told me that it would start my IBR payments over. When I pointed out that federal student aid site says that that isn't the case, she backtracked and said previous payments count if the loan is consolidated before the end of XXXX, but she still discouraged me from consolidating. She then told me my current plan ( PAYE ) is a 25 year plan. When I asked why, she said she couldn't see why but would call me back on Monday. She never did. She also said I was set to have a payment over {$1000.00} starting in XXXX because " that's the payment information we got from great lakes ''. I was paying {$0.00} with great lakes and can not afford XXXX. Since she never called me back, I called them yesterday. That agent told me I didn't have to recertifiy til XXXX, then backtracked. She also told me if I consolidate, the date of student loan forgiveness on an IDR plan will still vary based in each loan ( this is blatantly untrue ). She also told me I wouldn't have to worry about payments until XXXX and went back and forth on the recertification date. Today, I get an email from nelnet telling me that they received my request to end forbearance ( I never requested this ) and that I will owe a payment in XXXX now. I haven't even had a chance to consolidate or recertify. I haven't spoken to them today at all and made no such request. As soon as I call, the automatic voice says there are no agents available and they hang up ( it was around XXXX XXXX today and they're supposed to be available til XXXX ). I have called and emailed and they have done nothing but leave me on hold, initiate changes I didn't ask for, leave me panicked about changes they made to my account without my consent, and lie to me/give me varied information. They are not equipped to be handling these loans- at least not honestly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: IA

Complaint narrative:
All access NetSpend sent me two credit cards I did not apply for with an actual credit card number on it and my name and then in order to be taken off of their mailing list and to deactivate this card or remove me from this card they want me to put the card number in over the phone it says it would not activate the card but I didn't want to take the chance This seems a lot like fishing that they would send you a card with your actual name on it and a credit card number through 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 2023-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Dear TransUnion you are willfully ignorant to the adverse actions you have yet to update and fix The following 4 accounts need to be updated as Paid and removed immediately XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Please do what you were bonded by law in good faith to do in taking care of the private people of the land.

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 2023-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I sent them a letter regarding that they were violating my rights also disputed them. Under this law Validation of Debts 15 U.S.C. 1692g Also Harassing or Abusive Practices 15 U.S.C. 1692d, False or Misleading Representations 15 U.S.C. 1692e claiming that they will not use if I make payment that is coercion deceptive acts harassment Furnishing Certain Deceptive Forms 15 U.S.C. 1692j

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ive been trying to fix my reasons Jp Morgan chase bank did not pay the insurance in XX/XX/XXXX. In XXXX I finally got the insurance company to give me the electronic invoice. That was sent to chase bank. I was not aware of this coverage and Ive been trying to get to the reason and why was was it not enough for my home snd my upgrade and money was not covered I had to pay out of pocket and I believe the attorney and agent were working together to keep my home end my partner retirement account she worked 29 yrs. And now shes homeless and her money is gone. And she was a XXXX XXXX needed a few credits. She was having problems with the teacher and shes was complaining on the teacher of abuses : My brother was my realtor and the application snd loan do not look like mine and I believe you have copies. I was left with out insurance and the lender started forclosure in XX/XX/XXXX. I paid XXXX with in two months with XXXX  and its been like this since. My family are attorney and they i approve of my relationship. I ve always always took care my self til I meet XXXX in XXXX. I really feel for her cause she s been through a lot snd she does believes what they say and want her gone far away. I did not speak to my family for years after my XXXX and they things they were saying and doc not support or I did not know til doctor told me and my sister XXXX. Im in foreclosure and sales on the 5 of XXXX. I believe that the servicer believes the false documents. And dont even know were they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XX/XX/2023 They said about was over XXXX. The initial I used was about XXXX and numbers don't add up. They rejected what I could offer to pay at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the GOODLEAP LLC came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: WI

Complaint narrative:
On XX/XX/XXXX  I was working with my social worker to set up the Direct Express Application on my phone because the only way I had to check my balances before was to call in and they told me my available balance. I was unaware I could install an app and see everything laid out. When I installed the app I saw a lot of transactions that had been made online that were definitely not me. I had never even heard of the things. My social worker helped me with calling Direct Express and filing the complaint. They told me to cancel my card and get a new one sent, so I did after I took my remaining cash out so that I had money to live on while I was waiting for the new card to be sent. My social worker and I sat on the phone with Direct Express and emailed them exactly as instructed by the person that we spoke to on the phone. The email was the list of unauthorized transactions that had started on XX/XX/XXXX  and continued until we noticed it in XXXX. The amounts ranged from {$1.00} to {$59.00}. There were 5 transactions in XX/XX/, 9 in XX/XX/, 4 in XX/XX/, and 5 in XX/XX/. Direct Express replied to my claim via mail about a week later and told me that they would not refund any of the transactions because it was past the 120 day cut off. My social worker assisted me with calling and talking with supervisors and managers on XX/XX/. One supervisor said it was passed the days allowed to file a claim and we informed them that it was not and asked for a manager. The manager said that because in those previous months I had accessed my balance from my phone that indicated to them that I authorized the transactions. I told him I did not authorize the transactions and he told me " that is just hear-say. '' I got so frustrated after being transferred multiple times and told a different version of the past two excuses as to why they were not going to refund me for the fraudulent transactions. I am a XXXX single woman that has a very limited income, I can not afford to just lose {$750.00} because this company is taking advantage of my XXXX. I told them that I was going to file a complaint and they told me " good luck. '' They were very rude and I felt very taken advantage of. I explained to them about not knowing how to use the app, and when I learned I reported the unauthorized charges immediately and followed their directions with the help of my social worker.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  # 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 2023-09-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have an XXXX credit score pay all my cards off every month and only debt I have is my mortgage and a small car payment. I was surprised when Synchrony Bank the issuer of my Care Credit Mastercard reduced my credit limit overnight from {$10000.00}. to {$1000.00}. I called and spoke with an agent who told me the reduction was done as " punishment '' for not using the CC card since XXXX 2021. I explained that my XXXX  visits had been good and our dogs had been heathy ( card is restricted to medical/dental/vet charges ) I asked for the explanation he had just told me to be provided to me in writing and the agent said he would email it to me. But after a brief pause on hold though, he transferred me to another agent who said the previous agent had " misspoke '' and that the credit limit reduction was actually due to " adverse info in my credit report ''. I then asked why my other two cards with Synchrony were unaffected if that was the case? I pointed out that my Lowe 's card had a $ XXXX credit limit. But the agent couldn't answer that question nor shed any ight why the two things could not be reconciled against each other. The agent said I would be mailed the credit limit reduction explanation letter. The letter never came and despite multiple assurances from Synchrony that they would provide me ( re-send ) with an explanation letter -- the explanation letter never comes.

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 2023-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the CAPITAL ONE came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX Account Number : XXXX XXXX/XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief