vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
Called AidVantage XX/XX/23 and requested Sixty-day payoff amounts on ( 3 ) Parent Plus loans. Was told by CSA that he " didn't know what a sixty-day payoff letter was ''. 
Called AidVantage XX/XX/23 and requested Sixty-day payoff amounts on ( 3 ) Parent Plus loans and the CSA understood my request and agreed to send the letters.. We received ( 2 ) of the ( 3 ) payoff amounts on Saturday XX/XX/23. *but did receive a payoff letter for a fourth loan that had been paid off years ago and showed {$0.00} balance? 
Tried to call AidVantage on Monday XX/XX/23. First call-on hold 45 minutes without talking to a human, gave up. Second call 42 minutes without talking to a human, gave up. 
Called AidVantage XX/XX/23, 42 minutes on hold before getting to talk to a human, and explained that we had only gotten ( 2 ) of the ( 3 ) payoff letters and the CSA agent stated that her system indicated the request was made but she could not explain why it hadn't been sent and she would make sure that it was sent within 24-36 hours. 
Today is three days later and no response. Our refinance vendor is pushing for the information and if not received in time will have to reapply and will require another credit check on me. AidVantage is PREVENTING me from refinancing my loans,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
In XX/XX/2021 I received a home construction loan from SOUTHSTATE BANK in XXXX sc. During the draws from the bank to the builder almost {$4000.00}. was misappropriated. An officer wIth the XXXX XXXXXXXX XXXX XXXX FRAUD DEPT. said YES that is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am chase bank customer. I called their mortgage lender advisor XXXX XXXX to ask question about home affordability. He said that is busy for the moment and if possible to email him me tax returns so he can take a look at my income. 
2 days later I was surprised with my credit pull alert.

I called this guy asked him why did you pull my credit without signed or submitted application or even a verbal consent to do so? He got no straight answer and finally hanged up the phone.

After I called the escalation team department, they failed to provide any proof of documentation or paperwork or audio recordings that I gave them permission to pull my credit.

I never confirm my identity or my SSN with him on the phone and I never provided any proof of ID to his email or anything of this nature.

The only reason I sent him my tax return is to view my income not to get my social security number from it and run my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/2023 Citibank sent a letter advising they would be reducing the credit limit due to non-usage of the account unless I called within 30 days to confirm that I still wanted that credit limit. I called on XX/XX/2023, well within the 30 day time limit and asked to retain the limit. The first customer service rep sent through a request to increase ( pulling a credit report without understanding ) and increased the line partially but not the full amount. I immediately questioned this as it was not what was stated in the letter they had sent, and after being bounced around to several different customer service reps, was finally told that the limit would be reinstated to the original amount of {$31000.00}. I was also told that as compensation for my trouble and as an incentive to use the card the interest rate on new purchases would be reduced to 3.99 %. We did not have an occasion to use the card until XXXX, and when we received the statement found that they had not reinstated the limit as they had promised, and again said I could request an increase however did not advise me that would essentially be a credit request and include a credit pull. The chat function on their website is only good for standard requests, and they have no formal of documenting a complaint. Customer service just said submitting a new credit request is my only option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: MA

Complaint narrative:
Upon reviewing my consumer report, I see that XXXX XXXX XXXX has reported late payments on my consumer report. The account is reported incorrectly and inaccurately. This account must be removed from my consumer report. Please see attached, you will see how incorrect its reported across all 3 bureaus. Months are not the same. It violates the consumer law below.

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Upon reviewing my consumer report, I see that XXXX XXXX XXXX has reported late payments on my consumer report. The account is reported incorrectly and inaccurately. This account must be removed from my consumer report. Please see attached, you will see how incorrect its reported across all 3 bureaus. Months are not the same. It violates the consumer law below. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
they added double the amount onto my escrow acct my ins went up XXXX in may they added XXXX to my escrow which made payment go up by XXXX a month. this co bought my mortage years ago at XXXX at XXXX percent and it won't be paid off until XXXX don't make sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need this information to be completely deleted from my history because it is not mine, it hurts me 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 non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Today XX/XX/2023 I was messaged back about renting a room in a home for {$500.00}. He texted that it would be a XXXX $ Refundable application fee. He asked us to send it over Zelle and we did. He then asked for {$300.00} deposit for the room. I told him I didnt receive and email for the application and he kept stating he wanted the {$300.00}. I asked to make a call so I can verify that this is real or to meet up to give him the money but he refused so I knew from there it was a scam. I called my bank ( XXXXXXXX XXXX ) and they said they cant dispute it because its a Zelle transaction and to contact my local authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I opened a care credit account because my husband needed dental work, they closed my account automatically and state it can not be reopened, I paid well over the amount due but beginning in XXXX I had problems with the app allowing me to place a payment under the correct account. Subsequently the payments were sent back for NSF, at the beginning of XXXX I made a payment and it was trying to go to the incorrect checking account, I called them to stop the process and called the bank to stop the process, neither could do so because it was pending. I was assured by an agent that it was not going to be a problem. Shortly after I received a letter stating that the account was closed due to dishonored payments. I called them to rectify the situation and they refused to reopen my account, when they closed my account my XXXX  score dropped over XXXX points. No one is trying to help me even after sufficient credit with them to have my credit line increased from XXXX to XXXX because I also need extensive dental work. Now I have broken teeth with no way to get them fixed. The rep that told me everything would be " fine '' flat out lied to me. At closing I had paid close to half of the debt and made payments of more than the minimum so I would have enough credit to have my teeth surgically removed and have dentures because a medication destroyed the roots in my mouth. No one is willing to assist me and only ask me to reapply for credit although I consistently paid well over the minimum amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
On XX/XX/2023 we called SPS ( Select Portfolio Servicing , Inc ) to pay off the loan ( and non-interest bearing note ). Happy to help, the agent ( XXXX ) confirmed the confirmed {$20000.00} on the loan and {$70000.00} on the note and made the withdrawal for the former and said he'd have to call back to confirm withdrawal of the {$70000.00}. 

After a week and no call back, we contacted the support line to learn that we'd have to send {$70000.00} which we instructed our bank ( XXXX ) to do. Another week later, we noticed that the check from the bank had been delivered but not cashed. Logged on to the SPS website to find that the balance was not zero, or {$70000.00} pending their deposit of funds sent- so we called again. From a supervisor, we learned that the initial payment had been miss-applied so the pay-off not completed. We were promised a call back, which again did not happen another week later. 

XXXX confirmed the {$70000.00} cleared their account, so another call, another supervisor, another verbal apology and promise of a call back after escalating the issue to their management. No call back. Etc etc... 

Today, we called again - same supervisor ( who was going to call! ) conveyed that management verbal interactions with their staff did not matter and a pay-off letter was being sent for the new outstanding balance ( with interest )!!! The supervisor said she'd refer the matter to their internal complaints department. Having lost faith in any such promise, I'm filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion reinserted previously deleted acct XXXX. The FCRA lays out specific requirements that have to be met in order to reinsert an account. I was never notified by transunion in writing within 5 business days from the date of reinsertion. This is a violation. Prove that I received notice. Theres no certified mail, green return receipt. Transunion is to certify that the information is accurate. So Im requesting the method of verification as well as the information used to verify the the account is accurate. Due to violations of the FCRA I want this deleted. 

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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:
On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report.This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account 1. XXXX XXXX XXXX XXXX - Account Number : XXXX You have validated inaccurate information and this account is hereby disputed. The information on this account being furnished on my consumer report is inaccurate. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. Please update/delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter. Attached is the dispute letter I sent your company which is dated and time stamped.

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