vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 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: WA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX acct # : XXXX account balance : {$2700.00} XXXX XXXX XXXX acct # : XXXX account balance : {$1900.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make a 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 2023-01-05 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:
I am not disputing the accuracy with these companies but thet did not follow proper protocol. 

These listed Accounts are under violation : XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX @ 15 USC 1681 ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

I DID NOT GIVE PERMISSION for this to be reported and this is also under Violation of 15 USC 1681c ( A ) ( 5 ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agencymay make anyconsumer reportcontaining any of the following items of information : ( 5 ) ANY other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.

This means ANY POTENTIALLY NEGATIVE ITEMS UNLESS I COMITTED A CRIME IN WHICH I DID NOT.

I WANT THIS ACCOUNT " REMOVED '' from 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 2023-01-05 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: GA

Complaint narrative:
I am not disputing the accuracy with these companies but thet did not follow proper protocol. 

These listed Accounts are under violation : 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 USC 1681 ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

I DID NOT GIVE PERMISSION for this to be reported and this is also under Violation of 15 USC 1681c ( A ) ( 5 ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agencymay make anyconsumer reportcontaining any of the following items of information : ( 5 ) ANY other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.

This means ANY POTENTIALLY NEGATIVE ITEMS UNLESS I COMITTED A CRIME IN WHICH I DID NOT.

I WANT THIS ACCOUNT " REMOVED '' from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CT

Complaint narrative:
My account with Chime bank has become fraudulent. This has been going on for 4 months they keep granting access to my account to the people with the information no matter what I've tried changing passwords changing emails nothing works. Chime refuses to close the account and issue a new account to me. It's impossible to do banking with them. I'm one of thousands of people that are going through this right now. I literally have to pull money out of my account as soon as my direct deposit hits it because someone will try to get access and remove the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I would like to remind you that I sent you a letter regarding my complaint against JPMorgan Chase on XX/XX/2022, and still have not received anything from your side yet. I understand that my case is complicated, and some time is needed to investigate it properly especially taking into consideration the newest conditions. 
However, the main reason for writing this letter is not even that I still have not received any comments or updates from you on this matter but is a fact that in the middle of XXXX of last year I received the information from JPMorgan Chase that my bank account was frozen according to a court decision. The main thing is that this claim has been made by my creditor XXXX XXXX XXXX XXXX as I had not paid them the full amount. The reason why I could not proceed with the payments in a normal way is the fact that I had been scammed and lost my funds needed. 
Needless to say, I was deeply shocked by this news and found JPMorgan Chase 's behavior not only outrageous but also dishonest and unethical as their negligence and tries to avoid responsibility are causing me even more problems now. My financial situation is getting worse as time passes and instead of just getting my lost money back as compensation, I have to fight the bank and try to get justice from you. Nevertheless, I believe that you as a regulator understand that such cases are not limited to my case, especially given the information I provided earlier on this matter and therefore can help me and others affected by the bank 's inaction. 
I, therefore, ask for your help as a regulator and to review my case. If you need any additional information from my side in this regard, please let me know. I will be glad to help you make this process as fast and efficient as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
PHH Mortgage Company acquired my mortgage in XXXX of XXXX. My first payment with them was XXXX. I paid XXXX early with a check and XXXX early with a check. I started calling them around XX/XX/XXXX because my account said past due. I believe they are trying to steal money. They cashed both checks and I had to provide them with copies for them to take a month to apply them. In the mean time I set up an automatic withdraw for XXXX 's XXXX payment. When they applied the payments to the account they never took off the past due notification. Their policy is to disable the automatic payment until you are current?? ( weird ) So my automatic withdraw did not go through and they took the payment out of my escrow account. I spend about an hour each day trying to resolve this. I found out today that my financial advisor has the same company and has been spending a lot of time on the phone trying to fix his payments. They past you to the " Escalation Department '' and then you can't talk to the person that is fixing the account because they don't take calls. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: WA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  acct # : XXXX account balance : {$2700.00} XXXXXXXX XXXX XXXX acct # : XXXX account balance : {$1900.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make a 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 2023-01-05 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: WA

Complaint narrative:
XXXX XXXX Credit card acct # : XXXX account balance : {$2700.00} XXXX credit card acct # : XXXX account balance : {$1900.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make a 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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2023-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
I have a PSLF issue with MOHELA and the Department of Education. Both know that the payment count on the subsidized and unsubsidized parts of my consolidated loan should match, which they do not. I have been told to file a reconsideration request to get it resolved on XXXX, which I did. The problem is that my 120th payment is in 3 months and the last time I filed a reconsideration request it took 4 months to be recognized. I would like this fixed as soon as possible. The missing months are XXXX through XXXX of 2009. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: FL

Complaint narrative:
I am requesting a refund for a fraudulent transaction to the person who collected my money on behalf of his company to perform marketing services and failed to deliver, disappearing with my money. I am trying to refund money for a while and have no luck with the bank where I sent my money from. XXXX XXXX referred me to Zelle, saying that it was done through them and since transaction was authorized, they cant do refund. The problem is that the transaction was authorized to a scamming company and person knew that zelle payment wouldnt be able to reverse. So I am reporting this scam and asking for assistance from my financial institution and bureau to recover my lost funds. 

Details of transaction : Zelle payment made to XXXX XXXX on XX/XX/XXXX for {$4500.00} Zelle payment made to XXXX XXXX on XX/XX/XXXX. 
Service that is supposed to be delivered- management of marketplace and marketing it under my personal account. 
Company collected money, failed to perform promised services and disappeared without answering calls and emails. 

I have sent few disputes through my XXXX XXXX and was denied since transaction was done through zelle. Zelle told me to contact my bank since transaction happened through online banking. It is a tricky situation where nobody wants to help or take any responsibility for scam transactions leaving me alone against this situation and letting these transactions happen to other innocent people. Something has to be done to protect consumers when banks cant solve such issues. 

Please help me to find justice and refund my money from zelle transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: TN

Complaint narrative:
They over charge me for one XXXX on finance for XXXX car they kept different amounts behind when they wasnt go from trans to XXXX every 2 weeks I had the car XXXX XXXX years seems like my amount never went down they been fraud a lot people and dealership did some things from looking at my paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THERE IS UNAUTHORIZED USE OF MY CONSUMER REPORT AND IT IS NOT FAIR AND EQUITABLE TO ME NOR IS ACCURATE I DEMAND THESE INQUIRES BE DELETED AND REMOVED FROM MY CONSUMER REPORT .CIVIL LIABILITY MAY BE GRANTED TO ME IF FAILURE TO COMPLY WITH FCRA 

Inquiries reporting 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 2023-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
started a forbearance with LOAN CARE XX/XX/XXXX for 180 days for a COVID hardship. I also applied for the Texas homeowner assistance program on XX/XX/XXXX. They approve my application and brought my mortgage current XX/XX/XXXX. They then stated they would pay three months of my mortgage for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called LOANCARE ( can't recall date but LOANCARE can pull the call ) to see if I was still in forbearance and if not, if I could re open my forbearance XXXX of XXXX as I was still having a COVID hardship. I was told by the rep to find out exactly when my mortgage assistance would end and to call back because I was no longer in a forbearance. I was told I could not be in a forbearance and receive mortgage assistance. I then called the mortgage assistance and they told me my last payment assistance would be XX/XX/XXXX. I then call LOAN CARE ( XXXX call ) and told the rep what the first rep from LOANCARE told me. She told me I was not in a forbearance again and would need to reapply. I specifically told this rep I wanted the forbearance to start XXXX of XXXX! She stated she would submit the application and I would hear something before XXXX. XXXX past and I didn't hear anything so I called LOAN CARE a third time. I spoke to a rep who state my forbearance was not closed initially ( this is not what the first two reps told me ) snd stated my forbearance was only extended until XXXX of XXXX. I told her this didn't make any sense and every time I call I am told totally different things. I asked her to let me talk to a manager but she passed me on to another rep ( third call/fourth rep ). This rep stated I was never taken out of the forbearance. I stated okay if that's the case why am I only being allowed a two month extension when I should be allowed another 180 days under a XXXX XXXX forbearance extension. She was not able to provide this information and seemed confused. She stated she would review/escalate the info and I would hear back. Its now a week later and I have not heard anything. I would like to know what's going on and if my forbearance was ever ended? I would like to extend my forbearance for the MAX time I can or at least the one 180 days extension I am allowed to take because I am still having a COVID hardship. This has been a mess.

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 2023-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TN

Complaint narrative:
XXXX at XXXX and XXXX XXXX  XXXX were my XXXX and XXXX attempts to open an online savings account. I received an error message of XXXX. When I called XXXX XXXX  to ask for help, XXXX answered. She told me this meant my application was hard rejected and no human there could override itXXXX XXXX XXXX will not open an account with me and really won't tell me a good reason why. It feels like they are either advertising a product they really don't sell ( marketplace deception ) or XXXX of some sort. Seems like a regulator needs to look into these business practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2023-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OK XXXX Attn : XXXX XXXX Account # XXXX On XX/XX/22, I was unable to log in and make a payment prior to the due date of my loan whereby, the creditor had manipulated on-line user account access. I phoned XXXX XXXX, who thought I had established a good relationship with and was told they didnt support the XXXX XXXX debit card. 

The next day additional interest was charged to my account and an attempt to withdraw payment was made and declined. The payment was declined because the creditor had scheduled it for the next day. According to XXXX XXXX, this is a fraudulent transaction and is not accepted by any debit card. All other creditors accepted and were paid through the same card. 

On a monthly basis, XXXX XXXX would call asking me to re-loan, but I had to do it before the XXXX of the month, which is my pay date. Up until this point I paid my loans off with no problem. I didnt realize the new loan was due on my pay date, and another fee of over {$50.00} was assessed to my loan every month. The creditor utilizes a loop whole to charge additional interest and prevents me from paying the loan off sooner. This is a breach of contract since there are no penalties for paying the loan off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I purchased XXXX airline tickets frontier airlines on XX/XX/2022 to travel to XXXX airport XXXX XXXX Florida to depart from XXXX on XX/XX/2022, hurricane ian hit and airport shut down for one week.i used my Barclay credit card, i got refind XXXX XXXX. Yet i was looking at my Barclay credit card statement XX/XX/2022 statement and i was charged XXXX from frontier i immediately called bank. As i never ever received any documents that i was going to be charged. They told me to write a letter, i sent certified, i was bounced back and forth, i called XXXX. Barclay bank does issue credit cards for airlines. BARCLAY BANK IS IN COLLUSION WITH FRONTIER. I want my XXXX refunded no one could fly, there was no electricity, the airport shutdown over one week. Im over 65 years ol. I didnt cancell. Please shut down barclay card and fine them. Frontier airlines are scammer, but when your bank cheats you its pretty bad.

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