vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 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: NC

Complaint narrative:
I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority
State: NE

Complaint narrative:
I have tried numerous times to tell my loan servicer the Oklahoma Student Loan Authority ( OSLA ) that my principal balance is reflecting more than what it should be. A total of {$9500.00} was disbursed for both Subsidized and Unsubsidized loans for the following quarters : Fall  XXXX, Winter XXXX, Spring XXXX, and Summer XXXX. I have paid a total of {$7100.00} to this company and have given a list of the amounts as well as dates each transaction was made. The company will also be able to see each of the payments I reference were made from my online account with them. Additionally, I have paid the Unsubsidized loans off prior to them reaching 120 days, which means no interest will have accrued on my loans. Therefore, my principal balance should reflect {$2300.00}. However, the company is continuing to claim that I owe a total of {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: PA

Complaint narrative:
Today on XX/XX/22 My credit score was a XXXX It is now a XXXX Experian is now pushing yearly credit cards on people with bad/fair credit. 
It's a bait and switch. 
The companies of these credit cards are paying Experian to push their XXXX/high-interest rates cards. 
The credit card company then pays Experian for placing preapproved credit cards on their site. 
Mind you with a yearly fee and very high-interest rate. Predatory lending at its finest! 
Moreover, once you're approved for their card your credit score goes back up. So do you see the scam/con? 
Checking your credit isn't really free while they're pushing these high credit cards on " poor '' consumers. 
If you will not rectify the problem, we will be going to the news media. These folk needs to be exposed! Sincerely, XXXX XXXX. A poor consumer.

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 2022-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
My daughter visited XXXX XXXX on XX/XX/XXXX. XXXX XXXX was advertised as a Tier 1 PPO Provider XXXX XXXX XXXX XXXX. We were not advised that their provider was not credentialed. They took our insurance as usual. 

XXXX worked with XXXX XXXX XXXX  until their claim was rejected on XX/XX/XXXX because the provider was not credentialed. They paid a reduced claim amount of {$38.00}. 

XXXX sent us a bill for the full {$140.00} amount. I disputed the amount and explained they had failed to credential their provider and offered the {$38.00} in a letter dated XX/XX/XXXX. XXXX XXXX did not respond to that letter. 

XXXX sent a demand letter dated XX/XX/XXXX from Transworld Systems Inc. ( TSI ) as their credit collection agency. I returned the dispute form XX/XX/XXXX asking to verify debt, explaining that their provider was not credentialed even though they advertised XXXX XXXX status and that they didn't even have a " real '' name on the debt. XXXX XXXX nor TSI responded to my request. 

Transworld Systems Inc. ( TSI ) sent another debt collection letter on XX/XX/XXXX. They did not verify debt, they did not respond to two separate letters dated XX/XX/XXXX and XX/XX/XXXX. They did not stop debt collection until verification or responding to my requests. As far as I can tell, they are breaking all the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello how are you I have the knowledge I own almost XXXX XXXX dollars for at chase bank and I paid o ready but this people garnish my account again at work the XXXX time for same amount and never received a paid off later the 2 times o ready pay this people go to my account take it the money XXXX time XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX and # 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 an account without my written instructions. 

Account # XXXX has contacted me several times, via phone, text and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of.

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax TOLD the CFPB that they deleted an unauthorized inquiry from my report. But when checking my report they in fact did NOT delete the inquiry as they claimed. Meaning they lied to the Consumer Financial Protection Bureau and lied to ME the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act IXXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-28 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: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Hyundai / HMFUSA.COM had an error on my XXXX XXXX XXXX lease. They Had put that I missed 2 payment 's Which is incorrect it's on autopay. I provided them with the copy of the monthly autopay from there financial website. 
Even then after providing them with the information they had my car towed. Costing me to pay {$1.00} for Hyundai comes to find out it was not for late payments it was for excise tax in the state of Massachusetts and I haven't received any notice on the mail. Notice I have two Vehicles lease with them never had any problem the second car is a XXXX XXXX XXXX. 
After the issue I ended up also having to pay for the tow that was {$350.00}. So {$350.00} for tow {$1500.00} for Reinstatement fees according to them and the excise, which I haven't received any notice in the mail or haven't got taken out of the autopay that they have with my bank account. So my vehicle got repossessed for not making payments is not correct. It was not sent to me the excise tax for some reason and they also marked my credit report for 2 missed payment 's on my lease payment 's Which is incorrect. They claimed they can't fix the 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 2022-07-28 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: NC

Complaint narrative:
I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My banking account was hacked and money was stolen from my account and the banking company did not help in any way, they cut off access to my funds and so I have no way to pay for anything including my rent. So instead of helping me do banking and get my money back they cut me off from my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've had a conventional mortgage with Wells Fargo since XXXX. In XXXX I refinanced my mortgage utilizing the HAMP program which required I keep an escrow account to pay for annual insurance and property taxes. In XX/XX/XXXX during the Covid-19 pandemic I enrolled in the mortgage forebearance program deferring my mortgage payments for 6 months. At the end of the forebearance program Wells Fargo required I repay the missed payments which totaled almost {$10000.00}. I could not repay the missed payments but I did resume paying my monthy mortgage payments including escrow account fees. In XX/XX/XXXX I repaid all the payments missed from when I was in the forebearance program. In XXXX of XXXX I made a large payment, {$50000.00}, towards the loan principal reducing the loan principal balance to around {$53000.00}. I also asked Wells Fargo to eliminate the requirement I keep an escrow account. On XX/XX/XXXX I received a letter from Wells Fargo telling me they would not eliminate the escrow account requirement because I had allegedly missed payments. I called Wells Fargo to inquire the dates of the alleged missed payments and they said it was during the approved forebearance period. I argued the payments missed during the forebearance program were approved and should not be considered " late. '' Wells Fargo disagreed and considers these payments " 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
Consumer complaint received 2022-07-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I received at the beginning of the year a copy of my consumer report, I noticed that all of my personal information was incorrect I sent out a personal letter to update my information on XX/XX/2022 Certified mail with return slip, Credit reporting bureaus received my letters on XX/XX/2022 & XX/XX/2022. I then started my account with XXXX XXXX  to keep up with my consumer report on XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. On XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. 
Now this month I look at my consumer report and it is still incorrect XX/XX/2022 ACCORDING TO 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Which they violated Certified mail # Equifax : XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
Hello Trident Asset Management is reporting false information on my credit report. I pulled all 3 reports and they are all reporting different information such as dates, account numbers etc. Isn't this a violation of the FCRA? this account has been disputed several times and they have not corrected or removed it. Also, I need some sort of validation pursuant to 15 USD 1692g Sec. 809 ( b ) of the FDCPA and a signed contract from Trident Asset Management stating I owe them the alleged debt. Thank you in advance for looking into this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Sometie in XXXX I contacted Chase Bank customer service and asked to close my account and have my funds sent to me because I now live in XXXX and have abandoned plans of coming back to work in the U.S. 

They asked me to send them a secured message thru the banking app requesting for the same. I sent them a secure message and on XX/XX/2022 I received a reply stating that they couldn't close my account at the moment as the balance exceeded XXXX and they gave me 2 options. The first one was to transfer or withdraw funds from the account to bring the balance down then resubmit the request. The second option they gave me was if the balance was below XXXX ( which it was ) to send them a written request to close the account and include the following information : my full name, my full account number, my social security number, my current phone numbers, the address where I want the money sent and how I want to receive the money ( check or account transfer to another chase account ), my signature and date and it should be notarized. 

I have notarized a letter with all the information required and I sent it to them to the address that they wanted me to send it to ( National Accounts Closing in Texas ). 

I sent it on the XXXX of XXXX thru XXXX. According to the XXXX XXXX, they received it on the XXXX of XXXX and an XXXX XXXX signed for it. 

I waited for three weeks and I didn't get a reply, so I called customer service yesterday XX/XX/XXXX and asked about it. I was passed on to different individuals with each forwarding I had to explain everything from the beginning. Nobody could tell me what I needed to do aside from what I had already done. The last person that I talked to yesterday told me to set an appointment with a local branch personnel by phone. I set an appointment and a XXXX XXXX from XXXX XXXX Arizona branch talked to me and his advise was to send him the same papers I have already sent and he was saying he would forward the letter to the same department that I sent it to. I asked for a number for the National Closing Accounts department where my letter was received and he said he did not have a number for them. 

I didn't not resend my letter as I believe it will be a waste of my time and money as I fear I will encounter the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I sent two {$500.00} amounts on ~ XX/XX/XXXX and ~ XX/XX/XXXX to my savings account with Citi. However, I had not realized that I could not access the account after XXXX. The issue, they say, is that I need either a paper statement or a Citi ATM card to access my account. Previously I could just use the Android app or the web site, but I could no longer access either without the ATM card. This seemed to occur after I closed my credit card, which apparently gave me access, even though it was not the ATM card associated with my savings account. However, I never received my ATM card, and paper statements are not mailed to me ( I receive lots of spam from Citi, however ). I learned all this from the XXXX XXXX, XXXX XXXX, representatives who I was forced to deal with once I no longer had the credit card. When I had the credit card, I had full access to both accounts. There are no Citi offices in my state. 

I sent a certified letter to the address I was given on XXXX. This letter has not been delivered, but has been sitting in a XXXX XXXX mail hub for at least 14 days. Citi apparently does not allow certified mail to be delivered. Frankly, only crooks act this way. The postcard attached to the letter was put back into the mail, but it was not signed. 

Today ( XX/XX/XXXX ), I sent the same letter, with a new date and Postscript, via regular mail to that same address. 

I am staggered that this could possible occur. I could not imagine doing business with this company in the future.

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 2022-07-28 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: AZ

Complaint narrative:
I have filed an FTC Report for the infringement upon my privacy and I demand deletion of these accounts in pursuant to 15 usc 1681c-2 block of information resulting identity theft.

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 2022-07-28 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: AZ

Complaint narrative:
I have filed an FTC Report for the infringement upon my privacy and I demand deletion of these accounts in pursuant to 15 usc 1681c-2 block of information resulting identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I was sent an email from Chime bank stating that they closed my account due to fraudulent activity. They gave me a list of information that they needed in order to open the account back up. When I called to ask why did they close my account, I was told that I needed to turn in that information and that the account cant be opened up without it. They wouldnt even answer my question. They close my account over a refund that I received from a finance company called XXXX where I finance a mattress from a company called XXXX. Between XXXX and XXXX I got all of the information they asked for and Chime still will not open my account. Also what they need to open the account keeps changing with each email that I send in proof. So they basically want proof that I was the intended recipient of {$1600.00} from XXXX ( thats the name that shows up as their merchant ) and why did they give me that amount of money and the Original receipt. So I ended up returning the mattress I financed back to XXXX and XXXX refunded me {$1700.00} to my account. That included the fees I paid and the interest I paid to XXXX. But Chime wants proof of only {$1.00} for some reason from XXXX. I told them if they look at my transactions that they would see that I had automatic payments set up with XXXX to take {$82.00} every two weeks since last XX/XX/XXXX. And when I returned the mattress in XX/XX/XXXX they Reversed all the payments made to them back to my account on XX/XX/XXXX. Ive had XXXX send them an email, they also sent me an email with all the information they asked for along with me sending receipts and the original receipt from XXXX. They are now saying they need A receipt for each reversed payment that they put in my account which was the total of 33 transactions. And that wasnt something they asked for in the beginning. I again told them to look in my transaction history so they can see those payments coming out my account and all they did was reverse them. The company has explained to them that I was to have received {$1700.00} for the refund and return of the mattress I brought from them and they still wont open my account.

Company response to consumer: Closed with explanation