vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA
State: NC

Complaint narrative:
American Education Service ( AES ). Filed bankruptcy in 2015, fulfilled undue hardship requirement and they continued to file loan against credit, lowering credit even further. Requested information on why and they said they determined I did not qualify even though federal judge decided I was. They continued to deny claim and would not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure to investigate and appropriately mark my disputed accounts, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Over the past several months, I have repeatedly contacted the company to dispute inaccuracies on my credit report. Despite providing ample documentation and following the dispute procedures outlined by the FCRA, the company has neither conducted a thorough investigation into my claims nor marked the disputed accounts on my credit report. This negligent behavior not only breaches the legal requirements set forth by the FCRA but also causes significant harm to my creditworthiness and financial standing. I urge the CFPB to intervene and ensure that the company complies with their obligations to investigate disputed accounts and update my credit report accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I became unemployed back in XX/XX/XXXX. During that time, I accrued what's commonly referred to as a PayDay loan from my bank, Fifth Third, and I've been struggling to repay it ever since. Nevertheless, I recognize that this loan ( like maaaany of my other credit endeavors ) was my choice, my mistake and my situation. I have a plan to pay it off by XX/XX/XXXX. 

With my PayDay loan maxed out, and only {$16.00} in my checking account, I transferred money from an external savings account to my Fifth Third checking so I could get gas and groceries until pay day next Friday, XX/XX/XXXX. However, when the funds were transferred to Fifth Third, they took the money as a contribution toward the PayDay loan and applied the {$250.00} balance there. 

I called to explain that this wasn't a direct deposit from my employer, ( who happens to be the same financial institution that the funds were coming from ), but that it was a transfer from a savings account to my checking for essentials. I asked them to place the money back in my checking. They essentially told me 'tough luck ', but you can take another draw on the PayDay loan tomorrow... for which they'll naturally assess a fee, I pointed out, and that would not give me access to necessary funds today. 

I've since discovered that Fifth Third is charging me an exorbitant amount of fees monthly, again, for which I'm sure I'm responsible for not reading the fine print. This is a banking institution that I've been with since roughly XXXX. I've always been told that they were considered 'fee heavy ', conservative lenders, but since I've had only a few minor problems with them over the years, I chose to ignore it. Today was the last straw. 

I know PayDay loans are legal, but they are without a doubt, predatory, and Fifth Third 's is no exception. Today I was told by my financial institution that they cared more about placing me into additional financial hardship when I'm vulnerable than they did about my ability to eat and put gas in my car to get to work. In XXXX, I'm going to close as many of my accounts with them as I can and after 15 years of banking with them, I can honestly say I'll never bank with them again. I doubt anything they can say or do will change my mind at this point. 

I'm only filing this complaint 1. Because Fifth Third conveniently dropped my call when I asked to be transferred to the disputes department, and it's actually extremely difficult to file a written complaint with them. I guess if one 's complaint process isn't all that transparent, one probably receives fewer complaints ... 2. I really hope the CFPB is monitoring what Fifth Third is up to these days. I can not be the first and only person they've done this to. Unless you make a certain percentage of money or investments, they don't actually care about you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: CT

Complaint narrative:
Good morning, My name is XXXX XXXX and I have been a XXXX customer for a while. I was last year a victim of Zelle scam. I moved to a new location for university and attempted to find an apartment. I was shown an apartment which turned out to be a scam. The " leasing agent '' requested to make the payments over Zelle, I made multiple payments over a few days. I wanted to see the apartment before and they " showed '' me an apartment which turned out not to actually be a real unit that was available. I made a payment in total of {$2300.00}. I attempted to use the normal police, and zelle channels to get the money back. Then I turned to XXXX. However their XXXX " investigations '' just said that " I paid the money '' therefore I am liable. However there has been much coverage, new rules, and laws zelle scams. 
Zelle is refusing to talk to me and says they can not do anything for scams. XXXX relies on Zelle 's policy and says there is nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have attempted to submit disputes on my credit report multiple times since XXXX My letters have not been responded to and my ability to submit disputes online they will not allow because they are saying my addresses are linked to accounts. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requires all 3 credit bureaus to report accurate information- Experian have incorrect address on my credit file and do not have the actual real address listed. They also are listing all of these different variatrions of my name. The incorrect addresses listed : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX and XXXX XXXX XXXX XXXX, PA XXXX XXXX These need to be removed immediately. Experian is getting this information from XXXX XXXX who i am in litigation with currently for sharing this incorrect information. The only address that should be listed on my credit report is : XXXX XXXX XXXX XXXX PA XXXX. The only name that should be listed is XXXX XXXX XXXX without any other variation of it. I appreciate your prompt compliance with removing these multiple inaccurate accounts immediately off of my credit report and in return I will not require compensation for the extreme damage it has caused my livelihood. I have attached documentation that shows my correct address as well as my ID. Please comply immediately and remove all inaccurate information. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have an auto loan through XXXX XXXX My ex stopped paying Im on the car and than hid the car on me. She surrendered the car. When I found out where it was. I paid the remaining loan off XXXX  %. It says it in my report. Its my car. It even states that I paid it. But its affecting my credit score. It needs to be removed. XXXX  removed it. TransUnion and XXXX need to remove it asap. I also have a credit card debt on my TransUnion for XXXX. Thats been paid off and removed by 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 non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
I submitted a claim to this company about the debts accrued not belonging to me. They continued to send me bills and did not investigate the case. I receive so many calls everyday from this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. I clearly listed the accounts and pointed out the violations they were making. It's been over 30 days, and they haven't responded. I'm attaching copies of all my letters. According to the Fair Credit Reporting Act ( FCRA ), they need to address all inaccurate information on my credit report 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 non-monetary relief
Consumer complaint received 2024-05-31 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 sent disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. I clearly listed the accounts and pointed out the violations they were making. It's been over 30 days, and they haven't responded. I'm attaching copies of all my letters. According to the Fair Credit Reporting Act ( FCRA ), they need to address all inaccurate information on my credit report 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 non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
I banked with Chime for almost 5 years until they suddenly decided to close my account. I had money still left in it and also an OPEN dispute on my account when it was closed. Everyday I called to get an update on my credit that was sent to my account they always tell me its coming. Then on one particular day when I called they finally told me that Im not entitled to a refund! First off, how am I NOT entitled to a refund when it is my MONEY! To make matters more confusing the claim was also seemed as valid by them and they closed my account. It seems as if they planned to steal my money because they didnt want to either pay me my money or they wanted to pocket it. After I threatened to make a complaint with the CFPB thats when they said they would send the money. I even called the merchant and the merchant has told me numerous of times Chime has NOT sent the money back and that they will need to provide me with a reference number stating when the deposit was rejected and that they have returned it. Chime didnt provide none of the information to me because they are keeping my money. How can a bank steal I was with for 5 years steal from me? They didnt send the money back to the merchant so they can reissue me a refund and they havent sent me my check. After going back and forth for hours Chime agreed to send me my check. Which was on XXXX XXXX and I have no idea if its the {$240.00} that was in my account or the full {$1900.00} that was credited to me. In total chime owes me {$2200.00} Chime is bank full of XXXX! Ive been waiting since XXXX and tomorrow is XXXX! If I dont get my check totaling {$1900.00} in XXXX weeks plus the {$240.00} I will be getting legal counsel im already in the process of getting my documents together and have found a good lawyer I just know filing a CFPB complaint will show that Chime has full knowledge of what they have done and I will also be suing for court fees. Where is the reference number on the credit being sent back? What day did chime send the money back to the merchant? Chime what did you DO with the money that was credited to my account on XXXX XXXX in the amount of {$1900.00}. Where is it?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-31 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: Army and Air Force Exchange Service
State: NY

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, Your Brand Contacted me from XX/XX/year> to Presents Day. Your agency rep called me names for being a openly XXXX individual like XXXX, passive aggressive comments about words like crazy and other comments about me going to XXXX. Why is XXXX XXXX XXXX engaging in meal services that endorse animal abuse shouldn't your focus be salads, adhering to EEO standards and general acceptance with fair housing, I have not seen XXXX XXXX XXXX care about those things and based on the persons interaction with XXXX XXXX and XXXX XXXX spending time to contact me and advertise housing status I hope you seek to correct your involvement with XXXX XXXX and 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 2024-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
In early XX/XX/XXXX I was contacted by a person representing themselves as a lawyer group telling me I owed XXXX. The original debt was XXXX and the lawyer told me this was for XXXX XXXX. I had this car repossessed by the bank in XXXX and told them this debt is past the statute of limitations. The lawyer yelled at me and told me its still my debt and there would be a sheriff at my house to XXXX me told me XXXX you and hung up. I also received a call from someone identifying themselves as a process server after who also called my daughter on her phone to harass her. I thought this was a scam. 3 days ago I got another call from a process server trying to deliver papers to my address. At this point I have cement online to every county clerk where I have lived and no court I do was available under my name. I then called XXXX XXXX clerks and asked them specifically if they had any information because I wanted to see if this was a scam. She put me on hold and came back with some information from Velocity Investments LLC. My original debt was XXXX and they are trying to sue me for over XXXX. The original lawyer misrepresented himself threatened a sheriff to come arrest me and didnt even identify the correct creditor for the debt. Would you want to call this company to work things out??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH Mortgage violated my consumer rights. Under the CARES Act, the company SHOULD NOT have marked me as being late. The mortgage is paid in full ; however, the company failed to abide by the law. Please change all payments to paid as time or remove the mortgage from account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from 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 explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to follow up on a previous dispute regarding negative accounts that still appear on my credit 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 2024-05-31 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: TX

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 XXXX XXXX XXXX. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I called Bank of America to get a payoff amount for my auto loan. The payoff amount was around {$52000.00} and due XX/XX/XXXX. I went to XXXX XXXX and got certified funds to pay Bank of America off. The XXXX representative made me endorse the check before I left the bank. The date of the certified funds was XX/XX/XXXX. I immediately mailed the check to Bank of America. A few weeks later Bank Of America mailed the check back informing me the check was not endorsed correctly. The check was endorsed correctly. Instead of mailing the check back I went into a Bank of AmericaXXXX branch and paid off the auto loan. Because the check was received after XX/XX/XXXX, {$140.00} interest has accrued. I paid the loan off in time. This was a bank error. I have called the Bank of America XXXX XXXX department with no relief. I have went into a physical branch with no relief. Nobody seems to know how to help me. I think this is another tactic Bank of America uses to get fees illegally from its customer.

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 monetary relief