vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found inaccurate information in my EXPERIAN credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. 

My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

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 2023-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: KY

Complaint narrative:
I contacted the company directly to dispute the debt they in turn sold the debt to a collection agency. I have disputed this debt 3 times already once was successful last year the two this year were not. I have not had service with the company since XXXX yet the debt is supposedly from last year at my previous address. I have had new service with a different company since XXXX. They refuse to remove the debt.

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 2023-09-25 00:00:00
Product: Credit reporting 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: OK

Complaint narrative:
I would like to state that Transunion is in violation of 15 Usc 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report with the written consent of the consumer. I NEVER gave your company the written consent to furnish a report on my behalf. No consent is identity theft! I demand that you remove the inaccuracies off my consumer report immediately! The inaccuracies on my consumer report are causing humiliation, and distress. You violated 15 USC 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I have not been able to obtain credit, insurance, employment, or housing as well as suffered mental XXXX XXXX, and homelessness. You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. I demand all negative accounts be removed as followed : XXXX XXXX XXXX {$690.00}, XXXX XXXX {$360.00}, XXXX XXXX  {$130.00}, XXXX XXXX XXXX {$550.00}, a number of unauthorized hard inquires : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  : XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX, XXXX {$600.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2023 I need these removed off my consumer report immediately. 

I have attached my consumer report and look forward to hearing from your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Company affirm check credit for consumer credit transaction and stated over the phone I was denied because of bad credit what are the qualifications to qualify for an item for {$100.00} on affirm, I should not be getting denied for consumer credit transaction. I was never asked to run my credit and never gave permission to do so. I was not told payment Plan with affirm was based off my credit, there wasnt any disclaimer to state that was what was going to happen. 

15 USC 1605

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Starting XX/XX/23 I have been receiving phone calls every day and morning for the past 3 weeks I block one and they then call me from a different one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
My block was unlocked owing to l suffer a fraud the bank is not helping me l got it as a XXXXXXXX XXXXXXXX  and as l am not in US they dont give me real assistance or support at least that l go directly to the bank but l cant, l have call to all the numbers that they gave me and wait but they havent help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have closed my Chase Credit Card Account ( XXXX XXXX Rewards Business Card ) because Chase is now charging an Annual Membership Fee of {$99.00} on my existing account. I do not want to pay for the NEW charge. I called Chase Customer Service as soon as I received my XX/XX/XXXX statement that included this new annual fee. I called on XX/XX/XXXX, and requested that my account be closed immediately, and that the {$99.00} annual membership fee be immediately removed from my account. 

Chase did close my credit card account properly. But, now 10 days later, the {$99.00} fee still appears on my account. I called today ( XX/XX/XXXX ) and spoke with a customer service representative and a supervisor. I was told that it would take 1 to 2 billing cycles for this charge to be removed from my account. I was told that their " system '' could not handle removing this charge immediately. 

This is unacceptable. 

If I wait until this charge is actually removed, I could end up with a negative mark on my Credit Report. Just because Chase 's computer system is unable to remove this charge makes no sense to me. Just because Chase 's computer system is unable to remove this charge, I could suffer from a negative Credit Report. 

Again, this is unacceptable. 

Please ask Chase to immediately remove this {$99.00} Annual Membership Fee from my closed credit card account. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2023, I attempted to log into my Navy Federal Credit Union App, however, I couldn't because a received a pop-up message that stated " We're unable to sign you in. Please call us at XXXX for further assistance ''. I immediately contacted them at the listed number and waited on the phone with customer service then the fraud department for about 45 minutes to find out what the issue was.The fraud department stated that they had an issue with my business partner with an issue that was not directly related to me and had nothing to do with my personal account or our business account there at the bank but they wanted to ask me a few questions. I agreed to answer whatever questions I could based on the fact that this was my first time being made aware of the issue. I then answered what I could and told them I would speak with my business partner about what he had going on with Navy Federal Bank and get back to them. I called back on the XXXX and was placed on hold for over an hour so I disconnected the call and called backed on the XXXX. On the XXXX I was finally able to get someone in the fraud department, I answered all the additionally questions which didn't seem to make a difference at time because they had already decided to place a permanent restriction on my personal account, my business account and my credit card with them. I have never been late with my card payments and I have always had a good history with Navy Federal Credit Union and now all my accounts are closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: State Home Mortgage
State: GA

Complaint narrative:
We have had a mortgage with State Home Mortgage for 5 years. We have never missed a single payment during that time. We are now trying to sell our property and buy a new home. In order to process our new mortgage, we need the most recent statement from the mortgage we hold with State Home Mortgage. I attempted to download a statement from the user portal, but that option is not available. I have called State Home Mortgage several times, and each time I sat on hold for over 30 minutes before being routed to a voicemail. I left a voicemail each time requesting a callback. I also emailed every email address available for State Home Mortgage, including : XXXX XXXX XXXX XXXX I have not received an email back from any of these communication attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a letter on XX/XX/2023 from Equifax stating they were unable to locate my credit file, but I received a report from Equifax on XX/XX/2023 Confirmation # XXXX and on XX/XX/2023 Confirmation # XXXX. 

I called Equifax today XX/XX/2023 and I spoke with a lady named XXXX. I asked her to give me her last name, the initial of her last name, or her employee ID number but she refused to do so. XXXX stated it was for her privacy and protection. So, what about my privacy and protection and she is in another country? I asked to speak with a supervisor and XXXX put me on hold for XXXX minutes and she hung up on me but the entire length of the call was twenty-seven minutes. 

I want this resolved. Is it not my right to get my information corrected? 

In the letter received from Equifax, they are asking for Identification information which they already have again this is how I received my report on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
They are calling my work place and multiple times a day even within a couple hours the first call. I took pictures over a week and they call usually 3 or 4 times a day. When I answer its just a Robo call. I would stay on the line and at the end of the pre recorded voice it just hangs up so I cant ask them to stop.

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 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Click n' Close, Inc.
State: MI

Complaint narrative:
I over nighted a check to this company from an insurance claim. They stated In would get a partial draw on XX/XX/XXXX but never sent it. They also stated I would get a partial draw around the XXXX of this month ( XXXX ) and never received one. Then I received a call on XX/XX/XXXX stating I would get a full draw and they would send it XXXX day air. I never received it. I called back to check the status on XX/XX/XXXX, XXXX days after the last promise, and was advised it was never sent out at all. The loss drafts rep said she contacted a XXXX and stated they " will take care of that today. '' So it has not been sent to me as promised l. I then requested it be over nighted as this was yet again their error and she said it will be XXXX day air but that she can request it be overnighted. I have yet to be able to pay any contractors due to the negligence of Mid America Mortgage. I submitted this check to them on XXXX and they received it XXXX but did not log it until XX/XX/XXXX and also refused to send me the check they owe me and it has been over XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank Credit Card Fraud Department on XXXX I lost my physical card and someone made fraudulent purchases. The bank contacted me and I told them it wasnt me. Even when I was on the phone someone was trying again the young lady informed me. After that I received a letter telling me Im responsible for those purchases after their investigation. I did not make any of those purchases and Ive been trying to speak to a representative from the claims department for 4 months now. They keep telling me that someone will contact me. The first time they said I have to wait 2 billing cycles. Then they said 14 business days and the last two times I called they told me to wait 72 hours. They said theres nothing they can do and I cant contact the claims department. So Ive been waiting on a call to get this resolved for 4 months now. At this point it feels as though theres nothing I can do l. Ive done my due diligence and Ive contacted them more times than I can count in this time period with not even a call back. I just want my funds back for the purchases I didnt make. Once again this is regarding the CITIZENS BANK CREDIT CARD FRAUD DEPARTMENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgage Services , LLC falsely reported our loan as delinquent to the credit reporting agencies for my spouse and myself, which is showing up as a major derogatory mark on our credit reports. In XX/XX/2022 we were offered general terms of a Mortgage Modification from XXXX with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/2022 and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. 

Carrington is saying they never received the paperwork from XXXX ; XXXX is saying they sent everything. 

We are NOT DELINQUENT, rather XXXX and/or Carrington are delinquent, yet we are the ones now suffering the consequences of this both of our credit ratings have decreased by over XXXX points, we are receiving demands of payment from our credit cards, and our interest has increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Equifax, There is information that is on my consumer report as a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made one the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are requred to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice.I look forward to your response. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
In accordance with the Fair Credit Reporting : 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. 

In accordance with the XXXX XXXX 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 In accordance with the Fair Credit Reporting : 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 In accordance with the Fair Credit Reporting : XXXXXXXX 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

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 2023-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: PR

Complaint narrative:
First, I do not regcognize the total amount due of the loan. Can you please provide the original amount of the loan. The math and amortization dosent add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
When I saw the promotion of American express XXXX Credit card welcome offer of XXXX bonus points, I applied for it online. I Paid {$690.00} and spent more than {$6000.00} as required by welcome offer conditions. 
When I did not see the points after meeting above conditions, I called the company customer service and they told me that during the application there was a pop-up that told me that I am not qualified for the bonus points and I have agreed to that. I ask for the proof of that agreement and they told me that I have to subpoena that proof. 
On XX/XX/2023, I wrote to their management in XXXX XXXX XXXX and after few days they called me and told the same. 
Their offer terms clearly states, " If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application ''. They are saying that the pop-up during the application is the notification. 
I NEVER SO THAT POP-UP DURING THE APPLICATION AND I NEVER AGREED THAT IS IT OK TO ACCEPT MY APPLICATION WTHOUT A WELCOME OFFER. AND I THINK POP-UP CANOT BE CINSTRUDE AS A NOTIFICATION. 
I requested proof/copy of that notification ( pop-up ) and they refused to provide it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
A trust account was left to me upon my fathers death. My father passed away XX/XX/XXXX. I went into PNC Bank and spoke to XXXX XXXX on XX/XX/XXXX to see about my trust account that my father had left to me. 
I visited the PNC Bank in XXXX XXXX XXXX First I spoke with XXXX and then to XXXX XXXX XXXX He said that the account would remain in my name and my dads name would just fall off. He ordered me checks and printed me a debit card with my name on it. I just now received tax information that their was an administrative error to my account and that the account belonged to the estate. This is inaccurate information.

Company response to consumer: Closed with explanation