vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( Original Creditor : XXXX 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 an 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 2022-03-26 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( Original Creditor : XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Target red card was notified of fraud on my account on XX/XX/XXXX, I told them that all of the charges for XXXX were in fact fraudulent. They mailed me out paperwork which I quickly turned around and mailed back in on XX/XX/XXXX. Even though I sent in the fraud paperwork showing that the entire balance is in fact fraud, they still charged me a finance charge on XX/XX/XXXX. I am worried they are going to attempt to charge me more finance charges. I have officially suspended payment on this account as of today XX/XX/XXXX, payment is due XX/XX/XXXX. They have not sent me any notice that they have received my paperwork even though the 30 day deadline is quickly approaching. I have tried calling Target Card Services and they keep bouncing me around from person to person without any resolution in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I logged in to make my monthly payment a few weeks ago ( XX/XX/XXXX scheduled payment ) and there was a error with my bank and the payment was returned. I immediately logged back in to PennyMac, and made a new payment which was successful. ( XX/XX/XXXX ) After the successful payment, PennyMac tried to debit my account two more times ( XXXX and XXXX ) for the XXXX payment- which they already had. As a result, I have 2 NSF fees on my account from my bank ( the bank already acknowledge their initial error and refunded my initial fee for the returned payment. That is not what this complaint is about ). 

There is no reason for PennyMac to try and process my monthly payment AFTER they already received it. Certainly no reason to do it twice. As a result, I have {$58.00} in NSF fees with my bank which would not have occurred without Pennymac 's error. 

I already tried to resolve with the company, and the rep doesn't even understand what the problem is, so I'm escalating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was checking my credit score and it the dark web has my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: OH

Complaint narrative:
The company is XXXX XXXX XXXX XXXX. This account was discharged in a XXXX  XXXX bankruptcy and discharged in XX/XX/2017. This company continues to change details on this account many times per month and I even have screenshot images where it's altered more than once a day. This is an discharged account and XXXX XXXX XXXX XXXX has no legal rights to my credit profile. XXXX  XXXX is no longer entitled to report on that account once the account was discharged in XXXX. XXXX  XXXX XXXX XXXX continue to violate my consumer rights by adding derogatory ratings and false reports to this discharged accounts. Recently the company has contacted me with harassing letters about this account reminding me of the terms and conditions and the payment history and being untruthful about this being a legally discharged account in attempts to justify the unethical and very unprofessional behavior. The company sent me documents trying to force me to fill out an fraudulent fraud report. The company typed out an statement as if those were my words and expected for me to have this document notorized. This account has been closed for over 5 years I don't know why XXXX XXXX XXXX XXXX this this is ok to harass and violate innocent consumers and violate orders of the court. Then the company resorts to retaliation by continuing to keep this closed account active, updating details giving it the re-aged affect which has damaged my scores keeping them much lower than they should be. I haven't had anything negative reporting in well over 5 years. But because these discharged accounts are on my report and the company DOES secretly report derogatory false info on closed accounts, these accounts are seen from lenders as bad debt. That's not how a legal bankruptcy is supposed to be. I have included pages of evidence which will be forwarded to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is important that the company is exposed and held accountable for their actions. 

XXXX XXXX XXXX XXXX. has lied multiple times claiming to be reporting the account as accurate but according to FCRA and XXXX, XXXXXXXX XXXX XXXX XXXX. has no rights to the account after it's been discharged in Bankruptcy. XXXX XXXX XXXX XXXX. is clearly in contempt of court for violating an Court order Injunction. I have hundreds and hundreds of sceenshot images of all the illegal altering of my credit report and I plan on pursuing the matter legally.

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 2022-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: OH

Complaint narrative:
This is XXXX XXXX I need to take away all my assets away from thief 's like XXXX XXXX, XXXX XXXX and whoever has control of my assets.I need immediate help, legal action must be taken.I need my attorney immediately.Also need to press fraud charges on the people in doubt. 
My contact number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My wife received an email from Capital One on XX/XX/2022 that was for me that a checking account was opened. I called Capital One and told the representative that I didn't open an account. I gave her my name and she said, an account was opened on XX/XX/2022. I said, you need a social security number to open an account say replied yes. I asked her what the number was and she asked me for my last XXXX numbers of my social security I told her the numbers and it was my last XXXX numbers of my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I initially received a letter from Navient in XXXX saying they are putting me on a loan deferment even though I had never requested this. I contacted them in XXXX and told them I wanted to continue to pay my loans as scheduled and not be on deferment. They said they would reinstate my on my loan payment plan but now are charging me over {$30.00} dollars more per month ( ~ {$450.00} vs ~ {$420.00} ). 

My unpaid principal is {$54000.00}, my remaining # of payments is XXXX, and my interest rate is 1.75 %. Based off a loan repayment calculator, my monthly payment should be {$420.00}. This amount is about what I have been paying for the last 18 years! 

I'm not sure where Navient gets off charging me an extra {$30.00} dollars per month as I've always made my payments on time for the last 18 years. Your help is appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XXXX XX/XX/22 Coinbase to XXXX for tax payment to XXXX supposedly I am being told to pay another XXXX before my funds will be released from crypto trading on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I was put on as an authorized user in XX/XX/2021. After I saw the negative affects of being an authorized user, I was swiftly taken off as an authorized user XX/XX/2021. I filed a dispute with XXXX and they said they resolved it but the credit card still appears as open on account with the debt still there and has not been updated off of my account. This is hindering me from getting my own card and also bringing my credit score back up. I confirmed with Apple and they agreed that I was taken off XX/XX/XXXX and now it is about to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Transunion Are all keeping mixed files in my report and I have tried to dispute addresses names phone numbers and aliases like if I were a criminal and not a 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 non-monetary relief
Consumer complaint received 2022-03-26 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: MD

Complaint narrative:
I have sent multiple letters to Experian ( XX/XX/2021, XX/XX/2021 as well as others ) asking to prove or remove inaccuracies on my credit report. I never received proper validation nor was the errors on the accounts removed. 

Please see attachment for latest letter sent to Experian.

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 2022-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I am applying for the XXXX XXXX XXXX XXXX for my loan through MOHELA. If accepted, this program forgives {$5000.00} of my current loan balance. 

I applied in XXXX and was denied for the loan forgiveness. I filed a complaint shortly after because their customer service representative was unable to tell me specifically why my application had been denied. They sent a vague letter that gave very little information about how to fix my application before reapplying. The only advice I was given was to change the name of one of the school buildings. 

I sent my application back to that school, fixed the name, and reapplied. I was then denied for a second time. 

I called customer service again, was put on an extended hold, and told that they weren't sure of the exact problem, but it might be because one of the school 's superintendents did not list their title next to their name. When I asked why this issue was not brought up in the initial denial, they had no explanation. 

I am now fixing my application and applying for the third time, still without any clear guidance on what needs to be fixed for my application to be accepted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was put on as an authorized user in XX/XX/2021. After I saw the negative affects of being an authorized user, I was swiftly taken off as an authorized user XX/XX/2021. I filed a dispute with Experian and they said they resolved it but the credit card still appears as open on account with the debt still there and has not been updated off of my account. This is hindering me from getting my own card and also bringing my credit score back up. I confirmed with XXXX and they agreed that I was taken off XX/XX/XXXX and now it is about to be 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 non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: AL

Complaint narrative:
I received ssi in XXXX. They deposited money into Comerica. I was supposed to be given a direct express debit. I have not yet received it. Over {$1100.00} is sitting with them and they won't release. They just give me the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have filed a ftc identity theft report because XXXX, has put my information on the dark web, I am disputing XXXX  XXXX and XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX  XXXX, this information is fraud I want it removed from my credit report and blocked, my information is being used I have hired an attorney to sue XXXX for leaking my personal information, my social security number and my drivers license number and other personal information, Ive had to dispute accounts on my reports I have not open, the information does match my information because all my information has been exposed by XXXX in a data breach, XXXX and experian please remove this information and block it from my file, this information and accounts are fraud, please no fraud alert

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 2022-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
XX/XX/21 - Paid my XXXX payment to XXXX XXXX ( Proof of the payment was sent to BSI Financial ) XX/XX/21 - my mortgage was changed from XXXX XXXX to BSI Financial Services Since then, BSI financial services has claimed I didn't make my XXXX payment and are demanding I make a double payment to make up for the payment I've already shown to them that I didn't miss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In response to open request XXXX, XXXX, XXXX, that is wonderful that you are still working on this, but unfortunately I am still being taken advantage of. While your investigation is still pending my credit report is still saying the negative items that are inaccurate and it is severely hurting my credit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In addition to that, the investigation has taken well over 30 days. This should be removed from my credit report until further noted and until these items can be verified properly with physical proof. No proof or original documentation has been sent to me nor has any feedback been sent back to me. I demand these negative items be removed per the law that you are in direct violation of. Please note that you had 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of you re-investigation. I am also reporting this miscoduct to all agencies CC 'd on my last response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent multiple letters to Equifax ( XX/XX/2021, XX/XX/2021 as well as others ) asking to prove or remove inaccuracies on my credit report. I never received proper validation nor was the errors on the accounts removed. 

Please see attachment for latest letter sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent multiple letters to TransUnion ( XX/XX/2021, XX/XX/2021 as well as others ) asking to prove or remove inaccuracies on my credit report. I never received proper validation nor was the errors on the accounts removed. 

Please see attachment for latest letter sent to TransUnion.

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 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Every time I call Chase XXXX XXXX XXXX and ask them where they sent the XXXX XXXX  I earned from using the Chase XXXX XXXX  XXXX, the customer service representative says " I don't know what XXXX  account we are sending the miles to at XXXX. '' Sometimes they give me a fake number to shut me up, sometimes they say " I will transfer you to my supervisor '' and simply put me back into the queue to wait another hour for a customer service representative to answer ( instead of his supervisor ). XXXX says they have no idea to which account Chase is sending the miles, and Chase is claiming they have to ask XXXX which XXXX account is associated my credit card ending in XXXX, and it will take another 2 weeks to hear back from XXXX. Chase is simply running around in circles. If Chase is telling the truth that they sent XXXX miles to XXXX XXXX, then Chase knows which account they were sending the miles to. The Chase credit card statement does not reveal the XXXX XXXX account number, and it should. Since I started to complaining to Chase, Chase began retaliating against me, by denying every attempt I have made to use their credit card for my purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After careful review and consideration of my annual consumer credit report, I noticed there were hard inquires from companies in which I never authorized to obtain my credit report from the credit reporting agency. The following inquiries are unfamiliar to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After careful review of my consumer report I noticed inquires that were unfamiliar to me. Please see the following list of inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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