vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern. 

We contacted XXXX XXXX, they asked to reach out to your office for help. 
We are requesting your assistance to have a negative mark removed from our credit bureaus, which both XXXXXXXX XXXX and XXXX XXXX  refused to do, even after numerous attempts. In XX/XX/XXXX, my wife and I obtained a mortgage through XXXX XXXX XXXX, which eventually was transferred to XXXX XXXX . In between XXXX  and XXXX, we lost our business, and my wife XXXX XXXX was diagnosed with XXXX. This was right about when the pandemic started. Also, due to financial burdens and medical bills, we had no choice but to file for bankruptcy. Obviously, once a person files for bankruptcy, all creditors get notified, which of course, XXXXXXXX XXXX was. Although the mortgage was never included in the bankruptcy, we were able to negotiate and get approved for a modification program through the bank, and we have all files to prove it. During the bankruptcy, our attorney reached out to XXXXXXXX XXXX, but unfortunately, they never reached back out to him for negotiation. Regardless, we went through the modification, and we were making payments on time without missing any. Since then, we have sold our home and closed on it XXXX XXXX XXXX XXXX. XXXX XXXX  was paid in full, and we have a letter directly from XXXX XXXX showing that our mortgage was paid, satisfied in full of no liens on the property whatsoever. Unfortunately, we recently found out that it was reported to the bureaus that it was included in the bankruptcy. Weve asked XXXX, and XXXX XXXX  numerous times to change the reporting to paid in full, they refused to and treated us very unfairly. Due to that negative mark, we are currently paying a high interest rate on our new mortgage. So, we ask of you to please help us out, try and reach out to them and ask them to possibly change it to paid in full/never late. We would love to be able to refinance for a lower rate. If you have any questions, please dont hesitate to call us at XXXX. 
Thank you, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern. 

We contacted XXXX XXXX, they asked to reach out to your office for help. 
We are requesting your assistance to have a negative mark removed from our credit bureaus, which both XXXXXXXX XXXX and XXXXXXXX XXXX  refused to do, even after numerous attempts. In XX/XX/XXXX, my wife and I obtained a mortgage through XXXX XXXX XXXX which eventually was transferred to XXXX XXXX . In between XXXX XXXX XXXX, we lost our business, and my wife XXXX XXXX was diagnosed with XXXX. This was right about when the pandemic started. Also, due to financial burdens and medical bills, we had no choice but to file for bankruptcy. Obviously, once a person files for bankruptcy, all creditors get notified, which of course, XXXX XXXX was. Although the mortgage was never included in the bankruptcy, we were able to negotiate and get approved for a modification program through the bank, and we have all files to prove it. During the bankruptcy, our attorney reached out to XXXXXXXX XXXX, but unfortunately, they never reached back out to him for negotiation. Regardless, we went through the modification, and we were making payments on time without missing any. Since then, we have sold our home and closed on it XX/XX/XXXX of XXXX. XXXXXXXX XXXX was paid in full, and we have a letter directly from XXXXXXXX XXXX, showing that our mortgage was paid, satisfied in full of no liens on the property whatsoever. Unfortunately, we recently found out that it was reported to the bureaus that it was included in the bankruptcy. Weve asked XXXX, and XXXX XXXX numerous times to change the reporting to paid in full, they refused to and treated us very unfairly. Due to that negative mark, we are currently paying a high interest rate on our new mortgage. So, we ask of you to please help us out, try and reach out to them and ask them to possibly change it to paid in full/never late. We would love to be able to refinance for a lower rate. If you have any questions, please dont hesitate to call us at XXXX. 
Thank you, XXXX XXXX and 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 2023-10-30 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



CLOSED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) # 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 of 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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: DE

Complaint narrative:
I applied for a home equity loan with XXXX XXXX XXXX. I was told I was denied due to a foreclosure within the last 7 years. The adverse action letter I received said the decision was based on information found on the three major credit bureaus. I checked all three bureaus and confirmed there is no foreclosure listed. I called XXXX and was advised that they actually used Lexis/Nexis, but they couldn't provide me any information on how to contact that company. I tried calling Lexis/Nexis, but could not get an actual person to speak with me. I requested a Consumer Disclosure report but it will take 2 weeks to receive, and was not provided with a way to dispute the inaccurate information. I filed XXXX XXXX bankruptcy on XX/XX/XXXX, at which time I surrendered by property, essentially foreclosing on it. Since it has been over 7 years the trade itself no longer shows on my credit bureaus. However, Lexis/Nexis is using a sold date ( I found by looking up the house on XXXX ) of XX/XX/XXXX, which is less than 7 years, and not the date I foreclosed. I need to have this information updated as I am being harmed by their false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: CA

Complaint narrative:
My XXXX XXXX keeps dropping despite not having any derogatory payments or accounts. For the past 3 to 4 weeks I've been in constant communication with TransUnion which has been an absolute waste of time, TransUnion is unable to specifically tell me the reason why my credit score continues to drop month after month.

When calling in, I've requested to speak to TransUnion 's upper management regarding this ongoing concern, the initial CSR who answers the call explains there is no way for them to transfer me & insist on wanting to see if they may assist, but the conversation always ends up the same, " they are not able to answer why my credit score keeps dropping. '' In conjunction, to add insult to injury, all the Customer Service Representatives ( CSR ) I've conversed with, which have been many, have been absolutely rude, unprofessional & combative, with service such as what I've experienced they have no business talking to people whatsoever. 

Need help with this request, please contact me as soon as possible 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Applied and was approved for a Chase XXXX Mastercard in early XXXX XXXX When I received the card, as I am vacationing in XXXX, I used the card in various places. However, on XX/XX/XXXX ; all charges started to get denied with no text message or email warnings that the card was flagged. Tried using the card online at XXXX to pay rent, in person at XXXX XXXX, XXXX and at a grocery store, each time declined. 

When I called the number, I was patched automatically to fraud department which was not even able to open my account on their system. They pulled up someone else 's credit bureau report and asked me questions regarding an unknown person and they could not even authenticate my information or find out what my phone number was while on the phone. Chase said they would call me back Chase said they would probably call me back in 48 hours between XXXX XXXX XXXX XXXX  which is not acceptable as the card is simply not working at all and I was able to use a XXXX XXXXXXXX XXXX  instead

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: ME

Complaint narrative:
Received an email XX/XX/2023 that I had a payment due that included a missed payment from XX/XX/2023. I navigated the website that stated I should call the company. I placed a call starting at XXXX XXXX  on XX/XX/2023 and gave up after being on hold for XXXX minutes. I would like to understand why my auto debit did not process and why I am being hit with a missed payment when I was never notified that a payment was missed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
On XXXX XXXX  I applied for the SAVE repayment plan & was told by Aidvantage it would take about 45 days for the application to be processed. At that time they estimated my payments to be {$390.00}. 
On XX/XX/XXXX I received an email from Aidvantage that my application was approved and my payments would be {$670.00} On XX/XX/XXXX I called and spoke with an agent at Aidvantage who told me she would reapply for me, I provided her the information she asked for and she said I was all set, that I would be hearing from Aidvantage in about 45 business days On XXXX  I received and email from advantage saying XXXX, your Income-Driven Repayment ( IDR ) plan request could not be processed and It's too soon to process your IDR recertification On XXXX  I called and spoke with an agent at Aidvantage who told the previous agent recertified me, not reapplied. The agent said that we could reapply over the phone. I provided her the information she asked for and she said I was all set, that I would be hearing from Aidvantage in about 45 business days. 
On XX/XX/XXXX I received and email from Aidvantage saying XXXX, your Income-Driven Repayment ( IDR ) plan request could not be processed and It's too soon to process your IDR recertification On XXXX I called and was on hold so the agent could speak with a supervisor. I provided her with the same information about filing status, income etc and she put me on hold. I was on hold for 20 minutes and then disconnected. I called back again and spoke with a man who said the agent before me reapplied and my new payment estimate is {$750.00}. 
I have spent hours trying to figure this out only to feel like Im being scammed by a predatory loan company trying to take more than what I can afford. I still have not gotten this addressed and am begging for help. What are borrowers supposed to do to get the help they need. Im trying and spending hours of my time only to get nowhere and told were having trouble with our phones disconnecting by the loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account XXXX XXXX  card account # XXXX is from fraud. It needs to be removed from my credit report. I have reported this problem multiple times

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account XXXX XXXX  card account # XXXX is from fraud. It needs to be removed from my credit report. I have reported this problem multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In a claim under buyer protection for loss they without explanation denied via letter a portion of the claim for {$75.00} for engraving claiming it is excluded in the policy. However, this is a one-piece manufactured item and is not separately assembled or otherwise put together for an outside source. They are totally wrong in denying the {$75.00} portion of this claim. First rep call went dead and no one called me back. Second rep was clueless and transferred me to another rep. Third rep - I requested exact language for denial and she quoted a section # but couldn't answer my questions so I asked for specific denial in writing with specific section numbers where they were claiming the exclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I appreciate your response via the CFPB XXXX, but you continue to disregard my request. I have identified four violations in your response. I am not disputing the ownership of the account ; rather, I am challenging the unfair charges from the original creditor. I also require additional clarity regarding the contract agreement and the Chain of Title associated with this account, as well as access to all related documents and financial records. I seek a precise understanding of the owed amount based on journal and ledger entries since the account 's inception. I believe I have been subjected to retaliation, as evidenced by fluctuations in my credit score during my credit dispute with Midland Credit Management Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I wish to practice my right as a customer of JP Morgan Chase to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with JP Morgan Chase. In order to clear up the myriad of letters and correspondences I have XXXX sent to JP Morgan Chase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam. My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of JP Morgan Chase to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. During the complaints process with JP Morgan Chase, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I inquired about XXXX  XXXX. The mobile service was part of a deal if I received if i were to get XXXX internet. The phone was promised the next day. However did not receive until XXXX XXXX Once I received the phone on XX/XX/XXXX the phone was stolen from a restaurant I went to that night. With that being said I canceled my sevices with XXXX XXXX in XXXX XXXX please see attached. I wasnt nor did I receive any invoices after that. They have put this small amount of {$100.00} on my consumer account as collection. Someone reached me by phone on XX/XX/XXXX. After calling 3x back to back I firmly told the guy I do not owe anything to XXXX XXXX then he told me that they will ruin my credit and add it right away. First thing this morning XX/XX/XXXX I get pings that CCS now shows a collection on all my bureau accts

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023 my payment was posted to my Capital One credit card account. On XX/XX/2023 I received a notification via text message from Capital One that the payment was posted. I did not think they payment did not go thru. On XX/XX/XXXX I received another text message that my balance was of {$2200.00} because of this I contacted Capital One as I was under the impression that my credit card was compromised. I found out the payment posted XX/XX/XXXX had been returned, the account did not notify me of this. I contacted Capital One and they stated they do not provide any special notification if account payments are not posted, why would I receive a text message for a transaction that did not occur. 

They charge accounts for interest for the following XXXX cycles. If they think to charge an account for this long then they should also look at notifying their customers.

Company response to consumer: Closed with monetary relief