vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Orions Management Group, LLC
State: NJ

Complaint narrative:
I have disputed this account several times. Even with the CFPB. I got a letter stating that this account was no longer on my report. Its still on my report and its reporting open. The letter says this account was charged off so it shouldnt be reporting every month. They are reporting that the account was open XX/XX/XXXX but sent a response to the XXXX  it was opened XX/XX/XXXX. The amount is different on my report than in the letters as well. They only sent me a copy of payments from XXXX. The signature on the contract isnt mine. This account needs to be removed for all the inaccuracies on my report and the letters that they send. This is a clear violation under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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:
The info being reported on my consumer report is incorrect.

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 2024-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
My account is paid in full until XX/XX/XXXX because One Main was illegally withdrawing the full payments from my acct XX/XX/XXXX through XX/XX/XXXX while receiving the full insurance payments due to hardship at the same. 
On Friday XXXX, One Main attempted to withdraw {$280.00} from my back account. I called them and told him no payment was due. They agreed, but said I needed to stop the payment in advance even though I'm under their active insurance claim. I told them the money was not in my account, and to remove me from auto pay. They were fully aware the funds were not due, and are not available in my account. 
I filed a claim with CFPB ( complaint ID XXXX ) on Friday XX/XX/XXXX because of how this was all handled and the fact they were continuing to debit my bank account KNOWING fully that we were under an ACTIVE insurance claim due toy husband 's unemployment. 
This morning, XXXX, I awoke to an alert that One Main tried to redeposit the check AGAIN today after already speaking with someone on Friday and verifying this was not supposed to be processed. 
One Main has caused MULTIPLE checks to bounce and fees to generate due to their negligence. I am completely XXXX with no income XXXX XXXX XXXX XXXX XXXX. My husband, and sole provider for our family, has been laid off since XXXX. WE PAID FOR THE INSURANCE AND THEY WONT STOP TAKING MONEY FROM MY ACCOUNT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We had been Chase Private Clients for 9 years, using our savings account as a place to simply set money aside. We had a checking, savings and money market account. Transactions in our savings account were rare, and mostly for transfers between our checking and savings. We didnt look at it often, but noticed the balance was lower than expected at the end of XX/XX/XXXX. It was then discovered someone had hacked our savings account and had been making withdrawals starting on XX/XX/XXXX via XXXX echecks and XXXX instant transfers, etc. 

On XX/XX/XXXX I called the bank and worked with a representative to report the fraud and reverse the charges which totaled {$15000.00}. They were only willing to reverse {$4500.00} initially. We filed a police report in our town on XX/XX/XXXX. We reported the fraud with XXXX. We spoke with our private client advisor as well as many others up the chain. We closed the hacked account on XX/XX/XXXXXXXX  and moved our savings to a new account that same day. 

On XX/XX/XXXX Chase decided to decline the initial reversals and subsequently withdrew {$1000.00}, followed up by another withdrawal on XX/XX/XXXX of {$1300.00}. This was shocking as the original fraud charge reversals were only XXXX of what was stolen from us. Now we were looking at reimbursement of fraudulent charges of only {$2000.00} of the {$15000.00}. 

For months we went so far up the chain of command requesting and begging for these fraudulent charges to be reversed. The hackers had stolen our money set aside for college tuition and Chase washed their hands clean of it. We were told the bottom line was Chase did not care whether we remained their client and would rather lose our hundreds of thousands of dollars in Checking, Savings, and Investment accounts than reverse another cent of the remaining {$13000.00} stolen from us. They were not going to help us and they were not going to reverse any more charges. 

They refused to acknowledge a cybersecurity failure on their part that allowed this to happen in the first place. Not once did they send an alert about suspicious charges being withdrawn from a largely unused savings account. Not once did they notice these incredibly suspicious charges. They could not answer the question as to how someone hacked into our account and how they could link a savings account number to XXXX without any permission, signature or verification with us, the account holders. Instead, every conversation from the start, Chase had a pattern of victim blaming and telling us it was our problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
In XX/XX/XXXX my financial institution informed there were suspected fraudulent charges with my checking account number. Since then I have also noticed a hard inquiry from Fortiva Bank for a new line of credit. I have contacted their company to confirm if there is an active credit card account however they stated the request for new credit line was denied in XXXX. All of this as come about after filing my tax return with XXXX XXXX XXXX which is who I've only released my personal information to since XX/XX/XXXX. This hard inquiry has affected my credit score tremendously and I would like for it to be removed as this was an unauthorized inquiry/request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
I believe that my qualifying payment counts for XXXX XXXX XXXX XXXX are incorrect. I filed a Reconsideration request on XX/XX/scrub>XXXX  ). This request included several different months that I believe the payment counts are incorrect. I did not have any response so I called XXXX XXXX XXXX ( XXXX ) and MOHELA in XX/XX/year> to get a status update. Neither could give me any information and neither could find the case in their respective systems. XXXX told me to call MOHELA, and MOHELA told me to call XXXX. 

I submitted new Reconsideration requests on XX/XX/year>. I submitted separate requests at this point for each individual incorrect month. I waited several days and phoned XXXX to be sure they had received the new Reconsideration requests. Again, I was told to call MOHELA and XXXX could not see where I had submitted the requests. I called MOHELA and was told to call my school where the loans were originated. I am not in school and have not been in school for several years. 

I then filed a complaint with FSA on XX/XX/scrub>XXXX The complaint case shows pending on my XXXX dashboard online and as of today I have received no response. I have less than 12 months left until I reach XXXX forgiveness. I have asked for Reconsideration of 12 months of what should be qualifying payments. 

It has been almost 4 months since I submitted the original request. I expected to at least receive some communication at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XXXXXX/XX/year>

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
I have reviewed my consumer report, and I noticed I had two late payments on an account. I was never late, for the consumer reporting agency has assumed a vital role and has a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I Included is a screenshot inside of this complaint on dates of XX/XX/2023 and XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand that these payments be updated to be paid as agreed on time as they should be due to the fact that I was never 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 non-monetary relief
Consumer complaint received 2024-02-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. Allegations must be supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Subject : Synchrony Bank Please see numerous complaints similar in nature CD # XXXX opened XXXX XXXX XXXX XXXXXXXX month term Funding initiated within the XXXX business day window. Proceeds were debited from external bank account on XX/XX/2024, however did not show up in Synchrony Account until XX/XX/2024. I was informed that the initial stated interest rate was lowered from 5.5 % to 5.0 % due to delay in funding. 

Contacted Bank and was told I could close account with only a XXXX day early withdrawal penalty Notified account was closed on XX/XX/2024 but XXXX month penalty would apply Contacted the Bank on XX/XX/2024 about the delay in receiving my funds and the penalty issue. Was told it takes them XXXX days to close the CD and another XXXX days for me to receive the funds.In addition, they admitted making a mistake on the penalty and informed me the additional funds should be received within XXXX days. 

My assertions : Synchrony Bank is using less that professional standards processing credits and debits by delaying tactics which allows them to use clients funds as float, thus earning additional interest income. ACH debits/credits are not subject to these long delays. 
Please investigate all relevant complaints similar to mine

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 2024-02-08 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
i have provided proof to the lender and XXXX  of not only my payments but over payments as well to close out my account and i was sent to collections for a charge off amount of XXXX $ when my account had been way more then paid off by my insurance company due to a total loss.

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 2024-02-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I applied for a mortgage modification due to financial hardship. Today XX/XX/XXXX I received an email, after calling to ask for an escalation last week. After 11 months and {$20000.00} in past due payments Mr. Cooper aka Right Path Mortgage Servicing has notified me of " ineligibility '' for modification. 

Every month I followed up and submitted every document requested. This morning, XX/XX/XXXX, at XXXX XXXX  XXXX, I called about the email of ineligibility. The automated phone message stated CSR are not available until XXXX XXXX  XXXX? Is was after that time and no reps available?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NJ

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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