vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XX/XX/2022 I noticed 2 charges on my account that do not belong to me from " must have savings '' in the amount of {$1.00} and {$99.00}. I called in to Comenity bank customer service on XX/XX/2022 to dispute the charges, and to get a new card with a different number so I wouldn't be defrauded further. I did receive a new card however Comenity bank failed to follow up the dispute process. I called today XX/XX/2022 to check up on the dispute and have been told that nobody at comenity bothered to investigate the dispute. I have also been hung up on 3 times today, because nobody wants to work on the file and give me a proper answer. I would like to file a complaint that they are charging me for interest and charges I don't owe, for not investigating the dispute within 90 days as per the FDCPA and for abusive practices since they keep hanging up on me and fail to respond to my questions. In addition to this, they still have not issued my points rewards for XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02 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: NY

Complaint narrative:
I reported to both the credit reporting agencies and the creditors about the account that was opened using my information, the account was not open by me, nor authorized to be opened by me. The creditor did not do a thorough investigation into to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: NY

Complaint narrative:
I reported to both the credit reporting agencies and the creditors about the account that was opened using my information, the account was not open by me, nor authorized to be opened by me. The creditor did not do a thorough investigation into to 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 2022-11-02 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: Grain Technology, Inc.
State: GA

Complaint narrative:
grain XXXX XXXX XXXX XXXX  accounts 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 c ( a ) ( 5 ) section states no consumer reporting agency can make any consumer report containing any of the following items of information any adverse items of information other then records of conviction.

15 u.s.c 1681 - 2 ( a ) ( c ) 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 explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a XXXX XXXX member and on XX/XX/XXXX I deposited XXXX checks totaling in the amount of {$45000.00} into my account on behalf of my friend/roommate The funds were made available Thursday XX/XX/XXXX I attempted to withdraw the funds on Saturday XX/XX/XXXX however the location did not have the funds on hand to give. Monday XX/XX/XXXX I called in to confirm if that same location had the funds and was informed that my accounts had been frozen. I was informed the reason is because my roommate has her own account at their institution and it looks suspicious that she didnt just deposit the checks herself & I have also been told that my account is under permanent restriction because of that and thats completely ridiculous. All of this was shared only after I tried to make a withdrawal, the bank provided no prior warning.As a loyal customer, my business should be valued at a higher standard than this, why do I feel like Im being treated like a criminal? The information I provided can be immediately verified. Both checks are valid. There is nothing fraudulent about this transaction and no laws have been broken. My roommate is not bank savvy so she asked me to do the transaction. I should not even have to explain that when no laws have been broken. We were depending on that money to pay our expenses. I was told we have to wait 5 business days until the investigation is completed. By that time my rent will be late. Ive already had to borrow money for food for the last XXXX nights. This is an outrage and the bank does not seem to care. I have even provided them with a signed statement from my roommate with her ID as well as a copy of both checks. Please advise me on next steps. I can be reached at XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2022, I deposited a certified bank check from XXXX XXXX bank into our joint checking account at Citibank. The teller was unsure about how long it would take or even the process involved. I became concerned when, after nearly two months, the check was not deposited. I called Citibank and the first representative with whom I spoke could find no reference to my check. I was then transferred to the Investigative Department who also could not locate the check within their system and I was instructed to go to the branch where I had deposited the check, which I did. 

The manger with whom I spoke also failed to locate the check and kept insisting that it could not be found was that it was in " collections ''. She also informed me that the standard turnaround time for an international check was two to six months. She also said that I should have had it wired into my account because there was a {$35.00} fee (! ) for checking services. I can assure you, if I had known that there was going to be a two to six months wait on a certified bank check and, that I was going to be charged {$35.00} for the luxury of this service, I would have never deposited it into my account. 

As of this writing, my check has still not been cashed and deposited nor can it be located within their system. Ever since the pandemic, my wife and I have been living paycheck to paycheck and were depending on this money to help pay bills. Because of Citibank 's incompetence we have accrued late fees, had the electricity turned off once, amongst other things.

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 2022-11-02 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: FL

Complaint narrative:
The comments are inaccurate. This was NOT an " insurance or government claim '' and there's nothing even remotely true about that statement. This was in fact, PAID IN CASH XXXX of 2021. 

XXXX XXXX XXXXXXXX XXXX  Comments : Paid, was a collection account, insurance claim or government claim or was terminated for default

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 2022-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
After my XX/XX/XXXX complaint, Mr. Cooper stated their legal department would respond directly to me and has not done so at all. Instead, a local attorney is threatening me with an arraignement, bail and jail time for making my CFPB complaints seeking my " punishment '' in XXXX XXXX XXXX XXXX on XX/XX/XXXX using a never extended expired interlocutory order from XXXX to try to achieve my jailing for making a valid RESPA complaint. 

I need immediate help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/01 an credit card was applied for using my personal information through XXXX XXXXXXXX XXXX for 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 2022-11-02 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: CA

Complaint narrative:
The accounts with XXXX was charged off in XXXX of XXXX forBalance {$1700.00} and the other for {$6200.00} XXXX credited my account as if I made a payment, which I never did after the account was closed. This led to the reopening the account and giving late payment as if the account is still active. I have two accounts with this lender and this was done on both accounts. Every month I get alerts saying I missed a payment on a closed accounts. The following laws were violated ; 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 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 2022-11-02 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: FL

Complaint narrative:
The comments are inaccurate. This was NOT an " insurance or government claim '' and there's nothing even remotely true about that statement. This was in fact, PAID IN CASH XXXX of 2021. 

XXXX XXXX XXXX XXXX  Comments : Paid, was a collection account, insurance claim or government claim or was terminated for default

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 2022-11-02 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: FL

Complaint narrative:
The comments are inaccurate. This was NOT an " insurance or government claim '' and there's nothing even remotely true about that statement. This was in fact, PAID IN CASH XXXX of 2021. 

XXXX XXXX XXXX XXXX  Comments : Paid, was a collection account, insurance claim or government claim or was terminated for default

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I checked my credit report becaue my fico score had dropped drastically and I was confused as to why. Upon checking my credit report it showed an address I had not lived at and a company I did not work for. I called the credit bureau and filed a dispute. They informed me that I would have to contact the collection agency ( I C System, XXXX ). I did this and they said it was an outstanding bill for XXXX XXXX for {$380.00} and how would I like to pay for it. I told them I had not lived at the XXXX XXXX address and that it was not my bill. They then told me I could contact XXXX to see what they would do but until then I owed the bill.I contacted the XXXX XXXX Department and submitted all the information 2X but they have not called me back after I asked to speak to a supervisor. I gave them the last 4 digits of my social security number but I refused to give someone in the XXXX XXXX my full number. I was assigned a ticket # and I was told I should hear from them within 2 days and that was the middle of last week. I have since made a police report. I have lived at my current address for the last 48 years and in fact had XXXX during the time the debt occurred at my present address. I supplied them with utility bills for the time represented but so far it hasnt been removed.

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
( 1 ) TransUnion failed to remove inaccurate name on online credit report. 
( 2 ) TransUnion failed to remove inaccurate Employer on online credit report. 
( 3 ) TransUnion provided false information to consumer via Federal CFPB portal in Company Response XXXX. 
( 4 ) CFPB failed to provide any oversight or corrective action to TransUnion for providing inaccurate 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 2022-11-02 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: FL

Complaint narrative:
Account status/comments incorrect. This account was NOT paid from collateral. This was a credit builder savings account for which they kept the CASH they never actually lent. This should reflect as PAID/CLOSED.

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 2022-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) transferred mortgage loan account to Freedom Mortgage Corp. as a Debt Collector claimed XX/XX/XXXX payment had not been remitted. Subsequently, Freedom has rejected all indisputable documentation substantiating all payments remitted timely presented multiple times. The Freedom account perfect pay [ XXXX XXXX XXXX XXXX ] has been perverted to chronic delinquent-default status, and I have been subjected to harrassment, humiliation, intimidation at XXXX XXXX XXXX as the result of being deluged each month since XX/XX/XXXX with delinquent and default notices, hand-delivered notices posted on my front door and deluged with HUD foreclosure packets, while Freedom accrues late fees, submits negative reports to government and consumer reporting agencies. My losses incalcuable, irreparable. 

Note : Freedom has established pattern for targetting FHA Insured mortgages - see XXXX Prosecuting Atty v Freedom XXXX XXXX, XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX worked to resolve for over 3.5 years through HUD, XXXX XXXX XXXX XXXX since XX/XX/XXXX without resolve. XXXX  XXXX Complaints XXXX, XXXX. 

But, XX/XX/XXXX Freedom 's Escalation XXXX XXXX  XXXX # XXXX, XXXX # XXXX, admitted account current at time of transfer to XXXX  XXXX XXXX XXXX ( XXXX XXXX x XXXX ) and I. 

But, Freedom has not corrected and adjusted account from XX/XX/XXXX transfer to date.

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 2022-11-02 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: CA

Complaint narrative:
I called MyFedLoan just few days after they announced " Debt Relief '' for student loans to get my {$1200.00} back that was paid during the pandemic forberance period. They processed my request, but didn't gave me any confirmation number as they mentioned they will have to do it manually. To this date, I have not yet received any funds back in my bank account. I called in about 6-7 weeks ago and I had to restart the process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: FL

Complaint narrative:
Account status/comments incorrect. This account was NOT paid from collateral. This was a credit builder savings account for which they kept the CASH they never actually lent. This should reflect as PAID/CLOSED.

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 2022-11-02 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: FL

Complaint narrative:
Account status/comments incorrect. This account was NOT paid from collateral. This was a credit builder savings account for which they kept the CASH they never actually lent. This should reflect as PAID/CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I received a payment of {$50000.00} on XX/XX/2022. On XX/XX/2022, my bank deducted the exact amount without reason nor any consent from me. I sent messages to try to get it back and they never answered me. They keep sending me a message asking if they could debit my account ( which they did already ) but I keep sending back email saying I do not approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: FL

Complaint narrative:
The account status is wrong and this account is NOT IN REPOSSESSION. This account was settled in full for a CASH payment of {$5000.00} ( not collateral ) in XXXX of XXXX Also, the creditor is in breach of contract for mis-applying payments and is deliberately ill-reporting the account out of spite for being caught in their dishonest business practices. Either this account shows as a PAID loan ( as it honestly is ) or this will be going in to litigation.

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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