vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I used my Care Credit credit card and the Care Credit online payment portal XX/XX/22 to pay XXXX XXXX for services rendered XX/XX/22 in the amount of {$2800.00}. To date, my provider has not received payment. Care Credit has been negligent in delivering my payment to XXXX XXXX while continuing to charge me for the transaction. I have made calls into Care Credit Customer Service. XXXX XXXX has made calls into Care Credit Merchant Services. XXXX XXXX and I have even sat down together to call into Care Credit. Care Credit verified on their end that the funds did not transfer and had stated that they would internally re-route them to the correct account and that XXXX XXXX should receive the funds by XX/XX/22. XXXX XXXX has still not received the funds as of XX/XX/22 and Care Credit is continuing to charge me on the transaction. Customer Services states they can not help and it needs to be resolved on the merchant 's end.

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 2022-12-08 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: SC

Complaint narrative:
Inaccurate information is being reported my name is reporting inaccurate my address is reporting inaccurate, car loan from XXXX was never late its paid off on time! & its reporting as a missing payment, if youre furnishing information it must be XXXX percent correct not inaccurate 15 USC 1681 Sec. 602 My rights to travel to privacy 15 USC 1681 Sec. 604 A Can not furnish a account without my written consent 15 USC 1666B creditor may not treat a payment on a credit card, account under an open end consumer credit for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This accounts were not mine and why are they on my report? This has been disputed last XXXX of XXXX however I haven't received any response from the respective agencies. I was taken advantage and now am I being ignored by them? This isn't fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: MD

Complaint narrative:
I am current on my first mortgage. I received foreclosure on a second loan that was from XXXX? I am on XXXX and have been sick and on medication for over XXXX years and I dont remember this happening. The last payment date was from XXXX. They are now threatening foreclosure for {$12000.00}. The company is Statebridge Company. Loan # XXXX. I have applied to the loss mitigation program and I was denied. I spoke with XXXX the account manager and asked why this is from XXXX? And requested information including the last payment date. I was told that the last payment was from XXXX. I asked why this is so old & he didnt know. He suggested I contact the loss mitigation department and I did. They wrote me back saying I was denied and still owed?? This is past the statute of limitations to collect. I have spoken to the trustees as well and they said to contact Statebridge. I have a foreclosure sale date of XX/XX/XXXX. Why can they bill me for something I dont remember and is past the statute of limitations to collect? Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX XXXX and have 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 an 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 or 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. 15 U.S.C. 605 - 15 U.S.C. 1681c ( f ) no dispute remarks have been added to indicate previous disputes.

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 2022-12-08 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
I called Flagstar bank informing them that they were modifying my escrow in violation of 1024.17 ( c ) ( 1 ) ( ii ). None of my escrow debts have increased and yet they are forecasting that I will be below my {$350.00} minimum cushion and therefore I must pay an additional {$310.00} to stay at or above the 1/6th estimate of my escrow account. I called them and attempted to inform them that the my Escrow should have {$1400.00} annually as my insurance is paid straight from my checking and they maintained that they pay it - yet could not provide me with accurate insurance information.

The representative then told me It's my fault and I needed to rectify the situation and then would not listen to my explanation of the fix. And instead kept reading that they could not allow my account to go BELOW 1/6th of the estimated annual payment.

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: UMB FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/2022 - UMB XXXX - never applied for credit XX/XX/2022 XXXX XXXX XXXX XXXXXXXX - never applied for credit XX/XX/2022 - XXXX XXXX XXXX - never applied for credit XX/XX/2022 - XXXX XXXX - XXXX inquires in last XXXX XX/XX/2022 - XXXX XXXX statement XXXX Never worked with XXXX XXXX or applied for credit or deposit accounts XX/XX/2022 - First XXXXXXXX XXXX XXXX  - never applied for credit XX/XX/2022 - XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX in their possession. I've never applied for credit with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Unauthorized charges were made to my credit card on the following dates : XX/XX/2022 {$250.00} XXXX XX/XX/2022 {$100.00} XXXX XX/XX/2022 {$430.00} XXXX XXXX XXXX XXXX, XXXX My bank conducted an investigation and declined my dispute by saying that I received benefits from these transactions and asked for proof/documents for the transactions that I didn't make.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/22 my chase account was hacked and credited these amounts {$970.00}, {$460.00} {$170.00}, {$130.00}, {$120.00} ( XXXX ), {$100.00} ( XXXX ), On XX/XX/22 {$970.00}, {$83.00} ( XXXX ), On XX/XX/22 {$190.00} ( XXXX ), {$860.00}, {$150.00} ( XXXX ). On the same day XX/XX/22 a XXXX withdrawal of {$990.00}, {$600.00}, {$300.00} and {$500.00}. On XX/XX/22 XXXX XXXX of {$500.00}. I called Chase and made a complaint and Chase said my account was hacked and they will look into it. I believe this is an inside job because the hacker got into my account and turned off all my alerts off so I would not know what's going on. So I opened up another account with Chase and was told nothing will happen. On XX/XX/22 my new account at XXXX was put into negative for {$1400.00} and hours later took my direct deposit of {$970.00}. On XX/XX/22 now its negative & XXXX for the total of {$5000.00}. On XX/XX/22 my direct deposit went in so now its negative {$4000.00}. On XX/XX/22 I spent 4 hours at Chase trying to get help and I was told I will be stuck paying this back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax and XXXX all are reporting an unverifiable bankruptcy on my credit report, and I would like it taken off immediately. From XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: GA

Complaint narrative:
This accounts were not mine and why are they on my report? This has been disputed last XXXX of XXXX however I haven't received any response from the respective agencies. I was taken advantage and now am I being ignored by them? This isn't fair.

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 2022-12-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This accounts were not mine and why are they on my report? This has been disputed last XXXX of XXXX however I haven't received any response from the respective agencies. I was taken advantage and now am I being ignored by them? This isn't fair.

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 2022-12-08 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: NV

Complaint narrative:
I have contacted the Courts and have included their response. According to the United States Bankruptcy Court District of Nevada. The Bankruptcy Court does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. 
I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: NV

Complaint narrative:
I have contacted the Courts and have included their response. According to the United States Bankruptcy Court District of Nevada. The Bankruptcy Court does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. 
I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights. 
I have attached the Bankruptcy Court response below.

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 2022-12-08 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: MO

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been 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 2022-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED ACCOUNTS, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP. THANK YOU.

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 2022-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I was on an interest only repayment plan for several months. When it ended, Navient called demanding a payment that was 5x what I was paying previously. I explained that I can not afford it due to cost of living. They told me to pay a certain amount to get my account caught up, so I did. Now they are claiming what I paid was not enough and my account is past due. When I explained that I paid what I was told, they told me it was the representatives error, and that I still have to make up the difference. Im not sure how its my responsibility to fix the reps error. I paid what I was told with the understanding that I would be caught up. Now the total I owe has gone up significantly past what I can afford. I tried to get back on the program I was on before, but the payment doubled and I cant afford it. They say there is nothing to be done. My interest rate is now 10 %, I will never pay these loans off. I owe more now than what I started with. That is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: SC

Complaint narrative:
Inaccurate information is being reported my name is reporting inaccurate my address is reporting inaccurate, car loan from XXXX was never late its paid off on time! & its reporting as a missing payment, if youre furnishing information it must be XXXX percent correct not inaccurate 15 USC 1681 Sec. 602 My rights to travel to privacy 15 USC 1681 Sec. 604 A Can not furnish a account without my written consent 15 USC 1666B creditor may not treat a payment on a credit card, account under an open end consumer credit for 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 non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: TX

Complaint narrative:
The Company Discover.iT placed a Fraudulent hard inquire after signing up for there Pre Qualification check ( With No Harm To Credit ) option Available to the Public. I was Not approved but Still have the Hard inquirer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: HOME BANCSHARES, INC.
State: TX

Complaint narrative:
Between XX/XX/XXXX and XXXX XXXX charged our account {$21000.00}. We contacted XXXX XXXX XXXX on the XXXX while many were still pending. We were told that the charges would be reversed and funds back in our account the next week. Yesterday, the bank said they could not do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I had a secured credit card with Citicards for {$200.00}. The secured balance was used to pay off the {$200.00} credit balance. They took the secured balance, but are sending me a fraudulent bill of {$250.00}. Citi is charging {$250.00} for a balance I do not owe. I asked for itemized proof of this debt showing dates of how this balance was incurred. Citi can not provide proof of this debt. Please wipe this debt and remove from all of my credit reports. It is harming my credit profile and factoring into credit decisions that are influencing my finances.

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have addresses that I no longer live at and that I never lived at being reported and I also have incorrect spelling of my name being reported.

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 2022-12-08 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NAVY FEDERAL CREDIT UNION used unfair and deceptive practices to remove {$23000.00} from my checking account. NAVY FEDERAL CREDIT UNION has reported by way of team members in their charge-off department that these funds were taken from my account for three charged off accounts. NAVY FEDERAL CREDIT UNION reported to me that a credit card 's debt was charged off on XX/XX/2017 ; a Checking Line of credit was charged off XX/XX/2017 ; a Personal Expense Loan was charged off XX/XX/2017. Each item that NAVY FEDERAL CREDIT UNION alleges is charged off debt is over XXXX and a half years beyond its charge-off date. As well, I have requested the 1099 C for each but have not been given such. Also, how can NAVY FEDERAL CREDIT UNION collect debts that are beyond the statue of limitations? NAVY FEDERAL CREDIT UNION took money that was not theirs to take and I qualify that as stealing in my faith based system. NAVY FEDERAL CREDIT UNION has not operated in good faith towards me as a consumer by stealing the funds from my checking account. At the time the funds were taken, the account had no negative balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2022 my students loan accounts was reported to Transunion and XXXX that my account was XXXX balance as of today its still showing I owe over XXXX it was discharged through 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