vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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: SC

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Early Saturday morning around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was attempting to take money out of an ATM. I saw that it was declined so I logged into Mobile banking, someone who was at the store where the ATM was said he could help and took my phone and sent himself money through XXXX. 

They sent themselves {$3500.00} from my XXXX account. The recipient 's name is " XXXX '' and the email is XXXX. The next day, I denied the transaction saying I did not authorize it and submitted a claim with my bank, Bank of America. They recently told me that they are unable to honor the claim, so I had to file a police report for fraud.

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 2022-08-10 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: NY

Complaint narrative:
On XXXX XXXX After making numerous called to Equifax about the multiple inaccurate inquires and accounts being reported on my consumers report they refuse to remove the information as requested. 

As per Equifax data sharing policy they mention they get permission from 3rd party sources to report information on my consumers report. I did not give consent to Equifax or any other person to furnish any data of mines. Im also suppose to receive a copy of me consenting to Equifax data sharing, but I never received this information to opt-in or opt-out which is a deceptive practice. As the consumer I did give consent to Equifax or any person permission to report/share any assumed data that I will mention in the complaint. 

Equifax and its 3rd party furnishers/person are in violation of their own data sharing policy, and my consumers right to privacy. Which are also in violation of 15 U.S. code 1682B Section A ( XXXX ) ( XXXX )., They are also in violation of the data protection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: SC

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
THIS IS RIDICULOUS!!! I am unfamiliar with this account! Why is it being reported on my credit report? I'm looking for verification of this account! No contract exists between me and this account. I will sue you for the anxiety you have caused me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: GA

Complaint narrative:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: GA

Complaint narrative:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

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 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
As has been raised in a previous claim under number XXXX before that bureau, I have been the victim of identity theft and successive theft of funds in fraud that have not been attended by CHASE, despite multiple claims filed via secure message and phone contacts. After processing said claims and waiting for a response from CHASE, without having online access to my bank accounts that appear blocked for me after multiple reported fraud events. Today XX/XX/2022, I received an electronic communication from CHASE to my email registered with the bank, asking me about sending the amount of {$19000.00} to a beneficiary named : XXXX  XXXX XXXX, XXXX, which I never made. As indicated in the same message, the limit established by me for transactions of this type is {$100.00}. Said message shows that my bank accounts continue to be affected by the previously reported fraud, keeping me unable to access my accounts and communicate with CHASE because, before my identity was stolen by telephone, another person impersonating me seems to have a telephone code that I never requested. to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: AES/PHEAA
State: KS

Complaint narrative:
I submitted employer certification signed by my employer certifiying government employment for XX/XX/XXXX through XX/XX/XXXX for the PSLF certification on XX/XX/XXXX. FedLoan Servicing only updated XX/XX/XXXX as eligible/qualifying payment and refuse to update the other month as qualifying. I have contacted them several times about this issue and they still have refused to fix the issue. I am confident I am not the only victim of their inability to process the certifications properly. 

I have also submitted employer certification with proof of employment for an emergency management company for the months XX/XX/XXXX through XX/XX/XXXX, also in XX/XX/XXXX. The employer is a single owner who refuses the signed the form for personal reasons against me. They continue to refuse to process this PSLF application or provide a reason for their refusal. I spoke with a representative and submitted additional documentation in XX/XX/XXXX, including XXXX 's for XXXX and XXXX. They continue to refuse to process the form and update the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Credit Bureaus are reporting incorrect balance, payment amount, account status, and payment history to XXXX, XXXX and TransUnion. Incorrect information was disputed via letter sent certified mail to credit bureaus. 
Letter mailed to TransUnion XX/XX/2022 tracking # XXXX Letter mailed to XXXX XX/XX/2022 tracking # XXXX XXXX disputed online XX/XX/2022 confirmation # XXXX The dispute advised payment information was updated but is still reporting incorrect account status, payment history, payment amount and account status.

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 2022-08-10 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: VA

Complaint narrative:
Credit Bureaus are reporting incorrect balance, payment amount, account status, and payment history to Experian, XXXX and XXXX. Incorrect information was disputed via letter sent certified mail to credit bureaus. 
Letter mailed to XXXX XX/XX/2022 tracking # XXXX Letter mailed to Experian XX/XX/2022 tracking # XXXX XXXX disputed online XX/XX/2022 confirmation # XXXX The dispute advised payment information was updated but is still reporting incorrect account status, payment history, payment amount and account status.

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 2022-08-10 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: NY

Complaint narrative:
Names on Account : XXXX XXXX, XXXX XXXX Account Number : XXXX Dear XXXX XXXX Customer Service XXXX XXXX XXXX Department : Please review your records and find that my account is current. I have been a loyal customer to XXXX since XXXX. Please find that aside from the late payment in XX/XX/XXXX, that I have never missed a payment. 

Please find that my account remains in positive standing upon approaching the end of my lease in approximately two months. 
My payment for XX/XX/XXXX, was 35 days late which I resolved when I brought my account current in XX/XX/XXXX. 

The 35-day late payment for XXXX was not marked as late/missed on my credit report. However, my credit report shows that I have a late/missed payment for the month of XX/XX/XXXX in error. My XXXX payment was not 35 days late as reflected on my credit report. 
Due to the inaccuracy of the report, taken with my current good standing and history of my account, I am requesting a courtesy removal of all remarks of missed/late payments reported to credit bureaus for both account holders. 

ACTION : Please review my account and DELETE missed/late payment for the month of XX/XX/XXXX reported to ALL credit bureaus for both account holders.

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 2022-08-10 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: NY

Complaint narrative:
Names on Account : XXXX XXXX, XXXX XXXX Account Number : XXXX Dear XXXX XXXX Customer Service XXXX XXXX XXXX Department : Please review your records and find that my account is current. I have been a loyal customer to XXXX since XXXX. Please find that aside from the late payment in XX/XX/XXXX, that I have never missed a payment. 

Please find that my account remains in positive standing upon approaching the end of my lease in approximately two months. 
My payment for XX/XX/XXXX, was 35 days late which I resolved when I brought my account current in XX/XX/XXXX. 

The 35-day late payment for XXXX was not marked as late/missed on my credit report. However, my credit report shows that I have a late/missed payment for the month of XX/XX/XXXX in error. My XXXX payment was not 35 days late as reflected on my credit report. 
Due to the inaccuracy of the report, taken with my current good standing and history of my account, I am requesting a courtesy removal of all remarks of missed/late payments reported to credit bureaus for both account holders. 

ACTION : Please review my account and DELETE missed/late payment for the month of XX/XX/XXXX reported to ALL credit bureaus for both account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX ( XXXX ) wrongfully reported my XXXX payment on Loan # XXXX as delinquent to the 3 credit bureaus, causing a significant drop in my credit score. The payment was issued by XXXX on XXXX XXXX ( check # XXXX ) and cashed by XXXX on XX/XX/2022 ). Despite me providing proof of payment to XXXX by Email on XX/XX/2022, XXXX PM EST, and several calls afterwards ( Case # XXXX ; Case # XXXX ), XXXX still decided to notify the Bureau in XXXX damaging my credit history and score for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc
State: MO

Complaint narrative:
For whom this may concern, I was contacted by Williams & Fudge ( a debt collection agency ) on XX/XX/XXXX by XXXX XXXX. She stated to me that I owed a university ( XXXX XXXX XXXX ) over {$12000.00} for 1 semester of classes. 

When I disputed the debt, Williams and Fudge sent over proof from XXXX XXXXXXXX. This included a handwritten note in pencil with my account number. However, Williams and Fudge and the University failed to produce any signatures with my hand writing. I was able to pull up this evidence before, and now it wont let me. ( Please contact Williams & Fudge for documentation ) I contacted the school in XX/XX/XXXX, XXXX, and XXXX of XXXX. I left voicemails, and no one returned my call. 

When I called in XXXX, I finally got in touch with the University. They again failed to produce any evidence, and claimed over the phone yes, I can see you attended. When I requested to be shown the information, this was never produced to me. They refused, saying you need to contact Williams and Fudge, on XX/XX/XXXX at XXXX. 

On XX/XX/XXXX at XXXX I was then told this could hurt my credit by Williams and Fudge. I said, its never showed up on my credit report before. Its been reporting since XXXX XXXX, XXXX. When I called back at XXXX they claimed this was false information - directly from Williams and Fudge representative. ( This is also on a recorded line ). 

Mind you, Ive had the same phone number since XXXX. I was NEVER contacted by XXXX  XXXX or Williams and Fudge until XXXX. They purposely let the finance charges lapse until the debt reached over {$10000.00}. They claimed I attended in Fall of XXXX, in which I was living in XXXX Not XXXX. According to the university, the debt is over 4 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: GA

Complaint narrative:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

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 2022-08-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fay Servicing, LLC
State: MO

Complaint narrative:
My son 's house was going to be foreclosed on. we contacted Fay Servicing and made arrangements to bring the debt up to date. I send them three checks, one was in the amount of {$50000.00} ( A cashiers check ), one was a {$15000.00} personal check from my son and the final was my personal {$5000.00} check. Fay Servicing notified us that they did not accept personal checks and we needed to have our bank wire the funds to them which we did, and the loan was brought current. But even though they said they would not accept our checks they went ahead and tried to cash them. The Cashiers check was returned not cashed. My son 's {$15000.00} check was stopped at his bank. But my {$5000.00} check slipped through and was cashed. My son has called Fay Servicing several times attempting to get the {$5000.00} returned and was told each time that this would be taken to committee to see what would be done, but they have never received a answer. I have called but was told they could not talk to me. I wrote them a letter on XX/XX/2022 But have not received a response to date. Fay servicing has and is using {$5000.00} of my money that should have been retuned to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX. 2022 my check # XXXX of {$4700.00} was withdrawn from our business account from XXXX XXXX XXXX  XXXX XXXX. On XXXX XXXX the same amount with the same check # XXXX of {$4700.00} was withdrawn again. I called right away the Truist Bank to find out why they took twice the same amount with the same check # XXXX. Instead to fix the problem the bank wants me to file a Fraud Claim which I denied. After I spoke to XXXX from the Fraud Department, I called the XXXX XXXX XXXX XXXX XXXX. They told me that the company have a new electronic system to deposit their checks. I told them that's ok, but I need my money the {$4700.00} right away. On XX/XX/XXXX. 2022 I called XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and they told me there check from XXXX XXXX XXXX cleared on XX/XX/XXXX. 2022 so I called again Truist Bank and spoke to XXXX. She said the {$4700.00} arrived and she will take care of it. Nothing happened so I called on XX/XX/XXXX. 2022 again Truist Bank and spoke first to XXXX. She had no information about my issue so I ask for the XXXX and XXXX ( from XXXX ) told me also she will take care of this problem. On the XXXX of this month my wife and I spoke to the branch leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she told us also she will take care of it. A day later she called me and insist that I have to come into the Bank and sign a Fraud claim. I told her there is no fraud, but she still insisted that would be the only way to get my money, so I signed and, on the way out she said it can take a month until I see my money.

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