vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am a creditor in the XXXX  bankruptcy. I have notified naviant and XXXX multiple times that I will not be making payments until there is a resolution. They continue to harrass me and make up stuff, and attempt to intimidate me, and even hang up on me when I return their unlawful and harrassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is follow-up to our our previous complaint # XXXX submitted on XX/XX/2021. A hold is still placed on {$6000.00} in our savings account for a suspected fraudent check that was deposited in our account, which we have pro-actively reported to Capital One to protect ourselves and have been following up on this matter since. We understand that the {$6000.00} is necessary to cover the bank loses in the event that the check returns/charged back by the remitting bank as stated on the response we have received from our complaint ( XX/XX/2021 ) and according to the representives we have spoken to. However, it's been XXXX year and XXXX months since the hold was placed. We would like to know if the hold can be removed -- if and when the check does not bounce back -- and how long is the maximum amount of time allowable for banks to put a hold on a certain amount. As expressed in our last complaint, as victims of whatever scam this was, my husband and I have already lost {$6000.00}. We just want to know if it the check has actually returned and if it is still possible to release this hold if the check, in fact clears. So far, we have not received an update from the " investigators '' assigned to this case. I don't see the point of holding the amount indefinitely in our account if the check does not bounce. Please provide us an update on the progress of this " investigation '' and on whether on not the hold has a possibility of being released at a point in time in the future, if the check still hasn't returned. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been a XXXX cardholder with American Express and recently opened a small business credit card. I received a promotional advertisement for XXXX membership rewards points if I open a Business Checking Account. 

The application required me to submit a copy of my drivers license and take a picture, which I completed. I received a message saying it was pended on XX/XX/XXXX American Express responded asking me for tax return transcripts on XX/XX/XXXX. These were submitted on XX/XX/XXXX. 

I called American Express days later and was advised the IRS is slow to respond and I could send existing business account statements, which I did. 

On XX/XX/XXXX, I called again to check the status of the application. They questioned my address changes, I pointed to the last address on the statements provided matching, then they asked for personal account statements. I provided those. 

The company then asked me to complete the ID process again, which there software wouldn't take. I was then pushed into a Mobile Notary program / process, where I waited for XXXX hours to be notified by the mobile notary my ID wasn't good enough. The first available appointment on this system is XX/XX/XXXX. 

I am not sure what the issue is, American Express blames the software or says this is out of their hands, but is actively advertising for business checking accounts with a promotional bonus, but I'm not sure anyone is actually getting the bonus. 

It's the strangest behavior from a company that I have approved credit lines with but is unable to open an account for me to make deposits into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: NC

Complaint narrative:
I submitted a letter with an FTC report included to XXXX and Equifax on XX/XX/18 regarding a few hard inquiries that were not authorized by me. Neither credit bureau has resolved the issue so I would like for you guys to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under 15 U.S. Code 1681d2 ( 2 ) Exclusions - any reporting containing information soley as to transactions or experiences between the consumer and the person making the report. ( XXXX ) the term " consumer report '' does not include ( A ) subsection with information being transformed between reporting agencies and consumers. This is in violation of my rights. XXXX, Equifax XXXX XXXX reported that they have verified all accounts but that is not true as for as charge offs and late payments from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

How can you verify when you have several accounts that are paid/closed and still being reported as negative? Also, you have accounts listed as being late without providing proof of investigation procedures used to report these derogatory items on my consumer reports.

15 U.S. Code 6802 ( a ) I did not receive any written or oral consent option to give any non-public information such as transactions to third parties such as the consumer reporting agencies. 
Per standards of FCRA and XXXX XXXX anything reporting must be 100 % completely accurate, and verifiable which they are not. I demand a Cease and Desist to remove all negative items, such as Charge Offs and late payments as paid as agreed immediately.

With the latest news of the misrepresentation of information being incorrectly reported by both XXXX and Equifax with their law suits. I do not trust that my consumer reports are being handled the right way and I would like for them to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I had XXXX accounts with Synchrony Bank for some time. I used all accounts in a proper and responsible manner. I never had a single late payment and never exceeded my credit limits. In fact, I didn't even come close on many of the accounts. I made payments either on auto pay on the due dates or in many instances I would pay before the account had even billed and before it was due. 
I also maintained my personal credit with all creditors in a responsible manner and most of my credit scores were in the high XXXX 's and with in excess of {$100000.00} of available credit my utilization was always under XXXX XXXX  but usually at XXXX XXXX XXXX XXXX. 

I had just been approved for a new account with Synchrony and also received credit limit increases on other accounts. This also reflects that my handling of the accounts and my credit was without question or doubt. 

Then on XX/XX/XXXX I was notified that ALL of my accounts had been closed. There was no reasonable cause or reason for the closure. Nothing had changed in my internal or external credit profile or use that would warrant this action against me. 

At the time no one at Synchrony could provide me with an explanation for the closure. Then recently I received letters for each account with the same reason for the accounts being closed. These letters provided a false and wholly dishonest reason for the closure- in violation of federal law. Pursuant to federal law an adverse action letter must contain and provide a truthful and accurate reason or explanation, which they did not. 

In my research online, I then found that this was a complaint of many - XXXX XXXX XXXX XXXX, of other customers of Synchrony Bank. So it appears that this is not an isolated action to HARM their customers.

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 2022-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
After I paid my balance in full on XX/XX/2022, Victoria Secret has charged me what they call trailing interest on balances that I had previously not paid in full going back to months. The due date for that balance was XX/XX/2022. I still received fees on XX/XX/2022, XX/XX/XXXX and XXXX, XXXX, XXXX XXXX & XXXX, XXXX. Because I was unaware of the fees, I was charged late payment fees as well. Although this explanation above was provided by the representative, it was unclear what amounts and dates each fee corresponding with. This seems to be an unethical way to gouge money from unknowing customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion Consumer XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Is Reporting a Fraudulent account i have reported this account for over XXXX year and TRANSUNION continuous to side corporate scam, abuse of power, in conspiracy with big corporation and abusing consumer with the reporting of ILEGAL AND FRAUDULENT INFORMATION XXXX XXXX XXXX XXXX XXXXXXXX {$5200.00} Past XXXX XXXX Opened {$5000.00} Credit Limit {$5200.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Current XXXX {$40000.00} High Balance {$35000.00} Balance Individual Account Installment Account Type Open Condition XXXX Date Reported {$650.00} Payment These Account are not mine and they are fraudulent i have told the for the past year

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 2022-12-29 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: NC

Complaint narrative:
I submitted a letter with an FTC report included to Transunion and XXXX on XX/XX/18 regarding a few hard inquiries that were not authorized by me. Neither credit bureau has resolved the issue so I would like for you guys to help me 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 non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 USC 1681. 

Account name : XXXX Account # 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 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 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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 USC 1681. 

Account name : XXXX Account # 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 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 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 2022-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OK

Complaint narrative:
After I filled a complaint with the XXXX on XX/XX/XXXX, for MOHELA constantly not responding to direct questions on my PSLF application, I received a response from MOHELA. The response stated everything was on track for my PSLF application that was filed on XX/XX/XXXX of this year. I also made a call to MOHELA and the representative stated everything looked like it was on track and it may be a the end of XXXX before my account was updated. Then, on XX/XX/XXXX, I receive another email from MOHELA and the processing days have been changed from 90 to 180 days. Six months!? And after a response that everything was on track? It seems that MOHELA just responded with whatever they wanted to get me to close the complaint with no commitment to actually honor their word. It does not look good that this company is the one involved in the lawsuit against student loan forgiveness, then takes over the PSLF applications just to constantly delay the process for millions of borrowers. This was a very poor decision to have this company in charge of these loans and I suspect many will not receive the forgiveness that they rightfully qualify for under these circumstances. I will have to be turning in another application shortly all because my first one was never processed and will be well over the required 120 payments by the time loans are expected to resume payment status, with no resolution to this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: 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 15 USC 1681. 

XXXX XXXX XXXX ACCT XXXX, XXXX  XXXX XXXX  XXXX  ACCT XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX  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 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 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 2022-12-29 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: 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. 

XXXX XXXX XXXX XXXX  XXXXXXXX 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 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 2022-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
After reading about the XXXX recount program in XXXX or XX/XX/XXXX, I called my privately serviced FFEL loan servicer, Nelnet, to ask if I needed to consolidate it back into a federal loan in order to qualify for the recount. The person I spoke to assured me that I did not have to do anything and would still qualify for the recount. So, I didn't do anything and kept making payments because private FFEL loans don't qualify for the payment pause, etc. As a result, I've made at least 5 payments I didn't have to make, while accruing interest. 

As more information on the program has become widely available, I realized Nelnet had lied to me and that I did need to consolidate. I've now submitted the application to do so and learned that my payments went into automatic administrative forbearance and that the newly consolidated loan will qualify for the payment pause, etc. I am concerned that, because the new loan won't originate until early XX/XX/XXXX, I am going to miss out on the recount. 

This is unacceptable. Please hold them accountable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: VA

Complaint narrative:
I frequently check my credit report and noticed the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has ruined me and held me back for quite some time time. Im demanding CFPB to enforce the correction of these items.

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 2022-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Loan Servicer doubled my City taxes, as per letter received XX/XX/XXXX. XXXX, Tax Department have no record of such increase. submit all corrected documents via mail, several phone calls, issue has not been resolved. 3 months and continue. 

Paid insurance in full. They continue to withdraw monthly premium.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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