vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
In XXXX My loan was paid up to date after being behind for years. I'd asked when it would report to credit agencies and was told by the end of the month. By XXXX still nothing so I called back and was told they are reviewing now and will determine in 5 days when they can report. XXXX. Still nothing. So I called back and was told since I filed for bankruptcy in 2016 I needed an reaffirmation agreement completed in order for them to report to credit agencies. It didn't make much sense since I read mortgage companies are still responsible for reporting payments without this agreement.so I called back and was connected to another department that stated they are working on reporting my information now and should be on credit report soon. Still nothing. Then I get a letter today that states they have received my inquiry after careful review we have determined that the information is accurate as we are required by federal law to accurately report information contained in our records. We are unable to accommodate you request.if I can provide documentation that shows the account information on record is incorrect we can correct any inaccurate information within our system. All I wanted was my payments reported And they are not. So I called for clarification. The first rep was nice looked at my account and transferred me to another department but my call was disconnected so I called back. The second rep was so combative and put me on hold for 35 mins only to co.e back on to ask me to continue to hold. So I asked to be transfered. She said only if they are able to help you. ( then if they were not why was she holding ingredients on so long to speak ) anyway she put me back on hold and immediately came back and said I have someone to speak with you now. This woman asked me my name and quickly went to you filed for bankruptcy in 2016 and my reaffirmation agreement is for the wrong bankruptcy. I only ever had one bankruptcy XXXX and that was in 2016. She didn't want to explain just quickly get me off the phone. This is not asking for Mars to fit in my living room, just report my payments. Am I wrong.?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CA

Complaint narrative:
Transunion is displaying accounts that is a result of alleged identity theft. I did not agree to, or benefit from the transactions. As required by law, I sent Transunion written correspondence, including my proof of identity, an identity theft report, identification of such information, and a statement. They are required to delete and block the accounts within 4 days of receiving my notice.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Not long ago, I obtained my credit report and discovered that my identity has been compromised. This regrettable occurrence has had an adverse impact on me, given that I am presently in the middle of purchasing a new residence for my family. I feel deeply distressed by this experience and am seeking your immediate aid to eliminate the fraudulent accounts from my credit report. All the necessary documentation has been provided for you perusal. Thank you. Please see attached

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 2023-03-09 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: CA

Complaint narrative:
Experian is displaying accounts that is a result of alleged identity theft. I did not agree to, or benefit from the transactions. As required by law, I sent Experian written correspondence, including my proof of identity, an identity theft report, identification of such information, and a statement. They are required to delete and block the accounts within 4 days of receiving my notice.

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 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX at approximately XXXX pm, I contacted American Express by telephone regarding the current APR they are charging on my XXXX XXXX XXXX XXXX XXXX and spoke to their representative XXXX badge number XXXX in the Texas office. My issue with American Express is that since XX/XX/XXXX, they have been charging me 29.24 % which is just under their Penalty APR of 29.99 %. I have had this account with American Express for well over 10 years during which time I have consistently paid on time and paid above the minimum amount due each month. With my account history in mind, I was therefore asking for some consideration in having my base rate ( prior to adding the prime rate ) reduced to a more reasonable rate. During our conversation, the representative informed me that the low-end rate American Express is currently charging customers is 17 % but that mine was set at 21 %. The representative then told me she did not have the authority to adjust my rate at which point I requested to speak to a supervisor or manager. The representative refused to let me speak to a supervisor or manager and insisted that no one at American Express was going to adjust my rate. 

I do not feel my request was unreasonable, but I do feel that charging me 21 % plus prime is not only unreasonable but extremely unfair in view of my payment history with American Express over the past 10 plus years. I have 2 other credit cards with other companies whose APRs are 17.99 % and 19.49 % respectively which is the type of APR rate reduction I was requesting American Express to consider. 

I felt that the representative was unprofessional and unwilling to try and assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: OK

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 U.S.C 1681. Account name : XXXX XXXX  account number:249090.account name XXXX XXXX XXXX account numberXXXX. Account name : XXXX XXXX account number:XXXX. Account name : XXXXXXXX XXXX Account number:XXXX  Account name : XXXXXXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX. Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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 2023-03-09 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: OK

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 U.S.C 1681. Account name XXXX XXXX XXXX account number:XXXXaccount name : XXXX XXXX  account number:XXXX. Account name : XXXX XXXX account number:XXXX. Account name : XXXXXXXX XXXX  Account number:XXXX. Account name : XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account numberXXXX. Has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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 non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
My wife and I were incarcerated between XX/XX/XXXX and XX/XX/XXXX. During that time someone broke into our locked filing cabinet and took all of our personal information, including social security cards, banking information, debit cards, vehicle titles, etc. They then proceeded to drain our checking account of roughly {$37000.00} within 20 days. A family friend of ours even called M & T Bank XX/XX/XXXX around XXXX p.m. in attempt to stop the fraud from continuing, but M & T Bank told him they couldn't do anything. M & T Bank 's fraud department says they do not consider it fraud because our PIN numbers had to be used on numerous transactions. I informed M & T Bank 's fraud department our locked filing cabinet was broken into and our PIN numbers must've been written down on the banking papers. They told us to submit a Victim 's Report from the state police involved in the case. We submitted the Victim 's Report and M & T Bank re-opened the case for only one day and then re-closed it. I also informed M & T Bank multiple credit cards have been opened in our names also and I've had to put our credit on freeze because of all the information that has been taken from us. After we submitted our fraud claim and went into M & T Bank to explain what happened and close out our savings account and recover whatever funds were left over, M & T Bank said they didn't want to bank with us any longer. They were basically warned and informed fraud was occurring to a faithful client that's been banking with them for years with no problems, did nothing about it, and then waited for the fraud victims to come into their bank just to tell them they aren't welcomed there anymore and they can't do anything about getting back the money that was taken fraudulently.

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 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I attempted to purchase sporting event tickets online through my financial institutions ( BOA ) XXXX XXXX however after I sent the money the person never sent the tickets. I contacted my financial institution and XXXX within an hour of the transfer to cancel the transaction however they said that there was nothing that they can do other than open an investigation and the chances of recovering my funds were extremely slim. I believe that since I contacted them within an hour of the transaction they should of been able to do a chargeback however they claim that was not possible and the transaction was essentially final and I had no recourse.

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 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX I made an on-line payment from my Chase checking account to my credit union for my mortgage payment of {$1100.00}. I had been making my payment this way for close to 10 years without incident. Chase would mail a check to the credit union for the payment. 

I was notified by my credit union that they had not received the payment, so on XX/XX/XXXX I paid the credit union the {$1100.00} from a different account. 

I asked the credit union to track what had happened, and they said they had not received any payment. 

I then contacted Chase to let them know of the problem. I sent a picture of the check to the credit union and when the cancelled check was viewed, there was no bank stamp on the back of the check, and the signature was unreadable. The credit union verified that it was not cashed by them, because their bank stamp was not on it. 

I then contacted Chases customer service and reported the problem. They returned my {$1100.00} to my account and said they would check on it. On XX/XX/XXXX, XXXX days before XXXX they took the money out of my account again with no notice or explanation to me. 

I contacted Chase again repeatedly after that, put in a claim, and had a loan officer from one of the branches help me to contact Chase to follow up. Chase had claimed they closed the claim because they had sent me paperwork to fill out, but they never received it. The reason I didn't fill it out is they had never sent it. They never mailed or e-mailed it to me. The loan officer at the Chase branch helped me file the claim again and send in the affidavit correctly, it took him several attempts as Chase kept giving him incorrect information and forms. 

I was able to get a claim filed after much time and many hours of conversations with customer service personnel. They finally realized that it seemed to be an issue of fraud. Apparently the check did not get sent to the credit union, someone fraudulently took the check, and went to another non-Chase bank and had it cashed. Chase said they had to contact the bank that cashed the check to see if they would reimburse Chase, and that it would take 90 days. 

I received monthly letters saying they were still waiting to hear back form the other bank. I continue to receive letters saying they have followed up, haven't heard and that the claim will be closed and my funds will not be recovered. 

After almost a year and a half, I contacted Chase again today, XX/XX/XXXX to see if anything else could be done and if not, I would be filing a formal complaint outside of Chase. They said there was nothing they could do except keep trying to contact the other bank. 

As of XX/XX/XXXX I still have not received reimbursement for the {$1100.00} that Chase lost in XXXX of XXXX during a routine on-line payment through no fault of my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09 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: National Credit Adjusters, LLC
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment or credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: ERC
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment or credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I've been getting phone calls at all hours of the day from different numbers that don't even leave voicemails. They left one once and since I didn't answer they've started calling from different numbers at least 3 times a day or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect personal information on my credit report. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX I XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX PL XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX, XXXX XXXX  XXXX XXXX **, ( XXXX ) XXXX, ( XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Our mortgage payment on XX/XX/2022 was paid but then immediately reversed by the company Mr. Cooper. There was no communication sent to us regarding the reversal, in fact we only received email verification that our payment was posted. The next communication we received was on XX/XX/XXXX that our mortgage was in default but it was a message in their portal that we receive for every statement so assumed it was that. 

We paid it on XX/XX/XXXX thinking it was simply our XXXX payment. In XXXX, we realized that we were, in fact, behind a month on our mortgage. However, even so, our XXXX and XXXX payments were still made within 30 days, but we did pay late fees. 

We are currently trying to refinance our mortgage and in the final steps of the process were informed that a late payment was going to be on our credit report. I saw the payment and reversal on Mr. Cooper 's site with the payment activity. I called Customer Service and they informed me that in XXXX of 2022 they had a crash of their payment system and many customers had similar issues and some payments were reversed and the reason given was insufficient funds- which was inaccurate. 

I filed a formal request for the company to rectify this issue and have it removed from our credit report. But, the customer service department told me they were unable to submit anything to me in writing regarding their mistake and the research department that has the formal ticket has not responded to multiple emails from me. 

We are supposed to close on our refinance tomorrow and now have to wait for Mr. Cooper to confirm, in writing, that they made the mistake and will rectify it. Or, have our credited re-pulled, with the late payment on it, and likely have a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased a service through my online banking with my bank of America using a XXXX  method I got a glitch saying it will post 24 hours to review the purchase. Then in 4 hours in got send .during those hours I tried to cancel the transactions an I couldn't cancel it.

Even though I purchase the service I didn't get the service so I automatically file a claim. The bank said to try to ask the services provider to refund me my money back an no answer .so I got scammed an fraud. I also tried file e regulations an they said that they can't file the e regulations because the account does not have funds.

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