vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-10 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.

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 2023-07-10 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: 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Violation of permissible purpose consent was never given to 3rd party to obtain private information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my strong dissatisfaction with the credit reporting agency. Despite my many attempts to fix the problem, they have consistently ignored my requests and shown a lack of commitment to making sure credit reports are correct. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, XXXX, Equifax, and XXXX chose to ignore my previous complaints. It's clear that they didn't have good procedures in place, which led to credit reports that are not as accurate as they should be. According to the rules, XXXX, XXXX, and Equifax are supposed to investigate and respond to my disputes within 30 days. But I haven't heard anything from them, and they haven't made any effort to look into the mistakes in my credit report. This situation has caused me a lot of stress and frustration. I trusted these credit reporting agencies to handle my information responsibly, and their failure to address my concerns has made the problem even worse. I demand that they quickly investigate thoroughly and give me a satisfactory response about the mistakes in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: AL

Complaint narrative:
On XX/XX/XXXX my account was in default due to being 107 days past due. To my understanding from speaking verbally with a representative, I was advised that I could pay {$770.00} to get the vehicle out of default. Although I was not current I was advised that my account would be put on hold and that a 2 month extension would be applied and to make my next payment as soon as I can. I told the representative I wont be able to make full payments but I can make partial payments which she said was fine. Four days later, I received another default letter dated XX/XX/XXXX. 

As instructed I continue to make the partial payments in XXXX on XX/XX/XXXX {$230.00}, XX/XX/XXXX {$200.00} and XX/XX/XXXX {$300.00} totaling {$730.00}. On XX/XX/XXXX, my vehicle was repossessed. 

I have been trying to dispute and escalate this matter and no one has contacted me or followed up with me to this date. I have called and called because this repossession is in error. The way the payments has been allocated in error has caused this wrongful repossession to occur. I recently gained employment when this occurred and have almost lost my job as a United States XXXX XXXX. Ive lost income and my daughters first year in college has been stressful she is XXXX hours away and I have not had any means of transportation to be there emotionally, physically and financially since this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX account number XXXXPlease investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

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 2023-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
I AM TAKING AN EDUCATION COURSE THROUGH THE LOCAL COMMUNITY COLLEGE AND FUNDS ARE AVAILABLE TO THE PARTICIPANTS TO PAY HOUSEHOLD MONTHLY EXPENSES BUT THE COLLEGE REQUIRES THAT MY MORGAGE COMPANY COMPLETE THE VENDOR APPLICATION AND XXXX FORM IN ORDER TO RECIEVE PAYMENT - I FORWARDED THE BLANK DOCS ALONG WITH MY LETTER OF INSTRUCTION BACK ON XX/XX/2023 AND SINCE THEN I HAVE CONTINUOUSLY CALLED TO CHECK THE STATUS - SINCE THEN I HAVE FALLEN BEHIND ON MY MONTHLY PAYMENTS AND I AM NOW RELYING ON THIS ASSISTANCE IN ORDER TO CATCHED MYSELF BACK UP TO CURRENT - THE MORGAGE LENDER HAS EXCEEDED THE 30 DAY TIME FRAME AND THE STATUS STILL REMAINS OPENED AND UNDER REVIEW- I HAVE CALLED MANY TIMES AND ASKED FOR MY CASE TO BE ESCALATED - I WAS ASSURED THAT A SUPERVISOR WOULD REVIEW AND CALL ME BACK OR THAT THEY WOULD REACH OUT TO ANOTHER AREA IN THE COMPANY AND CALL BE BACK BUT I HAVE GOTTEN NO CALLS FROM MY LENDER AND NO RESOLUTION IS IN SIGHT - I AM NEARING THE END OF MY EDUCATION COURSE AND FEAR I CAN MISS MY OPPERTUNITY FOR ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: FL

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX. 
Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX  Acct XXXX - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was double charged interest of My Chase Loan. The interest over charged in XX/XX/2023 is {$48.00}, in XX/XX/2023 is {$43.00}, in XX/XX/2023 is {$16.00}. 

First, I called chase. 2 of 5 the account manager wants to refund me but couldn't because the charge is setting by system. Other 3 did not even know the detailed terms of My Chase Loan. They just saying the amount is showing not charging. But the equation showed in statements shows the interest was charged in addition to my monthly installments. And the installments contains the interest. 

I also wrote security message to Chase through App. The representative XXXX just saying it is right without answering my questions about why I need to pay additonal interest besides monthly installment. My Chase Loan supposed to pay interest rate in monthly installment not in additional charge. He is just rudely answer it is a fee. But My Chase Loan does not have any fee except monthly installments. 

I then pointed the statement error to their mail service. I asked 3 questions : Why I need pay interest in addition to monthly installment containing interest already? 
Why the balance to calculate interest is much higher than what it should? 
If My Chase Loan is treated as cash balance transfer, why Chase did not point out in documentation? 
I just got an answer which did not answer any of the question. It is said that the balance calculated for interest is not the balance you have for the credit card, which I know for sure. 

For the 3 month and 3 way contact method, none of these is answering my questions and usually arbitraited and shows no knowledge of their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We began using WePay by Chase as our online processing company through authorize.net on XX/XX/XXXX. We had one {$22.00} chargeback in XXXX of XXXX because a customer didn't recognize the charge name on their statement, which they later came in and paid. WePay by Chase has processed roughly {$78000.00} through their services. On XX/XX/XXXX we received an email stating that we were deemed high risk since we were an online auction company and they would no longer be processing payments through our site, however, they collected payments from XX/XX/XXXX up through XX/XX/XXXX, the date in which they notified us that we were high risk, and we, not knowing that they were going to do this, released the merchandise to the customer. Upon contacting WePay, they state that they will release the funds after 120 days. At this point we filed a complaint with the CFRB and we were contacted by someone from Chases ' Executive Resolution Team who also stated that it would be 120 days. 

It has now been 124 days and WePay has still not released the money. The original reason I was given was that they did not know that if we still had the same account to deposit the money into ( which doesn't make sense, since we have a merchant service account with Chase which owns WePay, additionally, every state in the union has an unclaimed property division so if the deposit were rejected then it would go into that account ). They stated that we had to put in a request to have the money deposited. Now we are being told that they will review the account by XX/XX/XXXX to determine if the funds can be released. This is beyond the 120 days that we were initially told by Wepay as well as the representative from the Executive Resolution Team.

Based on the previously statements made by Wepays ' representatives as well as the representative from the executive resolution of Chase, it would appear from the outside looking in that WePay is counting on X number of companies to not follow-up with them, Knowing this, we can not in good conscience not file a complaint with State Senator XXXX XXXX XXXX as well as the Ohio Attorney Generals ' office regarding these business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: CT

Complaint narrative:
My mortgage was 2 % for the first 5 years and then adjusted to 4 % for the rest of the 30 years. This was with XXXX XXXX bank. Now, Keybank is trying to twist the wording of the contract to say it can not go any higher the 4 % per year. This is incorrect as it also says it can not go any lower than 4 %. The reason it's called an adjustable rate is because it adjusted from 2 to 4 %. I was told by the loan officer that it was going to stay at 4 % for the life of the loan. Now, Keybank is trying to raise my interest rate at a time when inflation is sky high. I called them on XXXX and they weren't budging. I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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 — Card was charged for something you did not purchase with the card
Company: Comerica
State: FL

Complaint narrative:
I checked my balance online and it was about {$50.00} less than I expected. When I finally got through to an agent ( more on that aspect later ), I was notified of a {$49.00} fraudulent charge to my account. The reason I immediately knew the charge was fraudulent is I have never used the card to pay a bill online. Before I could write down the entity from where the charge originated, the agent suggested that my card could be compromised and I should order a new one, which I did. She then said she was transferring my call to the dept. whereas I could dispute the charge. After being on hold for about XXXX min, the exact same woman came back on the line ( I recognized her voice ) pretending that she couldn't hear me and hung up the phone. Now this is what led me to believe the card company itself if involved in systematic fraud : once you order a new card, you can no longer access the network using the number from the old card. You can access your account using your SS number but you only get access to a menu that doesn't include any option that allows you to speak to anyone. So once the crooked agent hung the phone, she cut off all means for me to re-connect with her. Furthermore, I suspect these XXXX are systematically stealing benefits from old XXXX by erecting roadblocks to complaining about suspicious deductions. For example : when you call customer service, you're prompted to enter the last XXXX numbers of your card and your pin but once you do that, all you get is your balance. The only way to access the menu is to NOT follow the prompts ... but they never tell you that. Why? Something doesn't smell right and I think XXXX should look into XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am writing to file a second complaint against Citibank related to the ongoing issue with the handling of my accounts. After the closure of my initial account, as detailed in my previous complaint, I opened a new account with Citibank in order to provide an alternative method for depositing my funds. This was done in an attempt to find a resolution to the distressing situation of a significant ACH payment being held in limbo due to the unexpected closure of my first account. 

However, I am now facing a new, serious issue : Citibank has unexpectedly closed my newly opened account, without any clear explanation or warning. This action took place after I had transferred approximately {$1000.00} into the account. Moreover, Citibank has locked me out of all my associated accounts including my checking, savings, and brokerage accounts, essentially seizing my funds without my consent. 

This action by Citibank has not only disrupted my access to a significant amount of my personal funds, but it has also hampered my ability to manage my daily financial activities and investments. The inability to access my own money is causing me emergency financial hardship. 

Upon contacting Citibank multiple times on XX/XX/XXXX at XXXX EST ( with XXXX XXXX and XXXX EST ( with Fiel ), again on XX/XX/XXXX and XX/XX/XXXX, and through their online support panel ( with XXXX ) on XX/XX/XXXX, I consistently informed Citibank about my new account. Despite these interactions, at no point did they express any concern or provide warning that the new account would also be shut down. 

This escalation is completely unjustified, especially given that the initial misunderstanding that led to the closure of my first account was clearly explained and earnest efforts were made to rectify it. Citibank 's actions have caused significant stress and inconvenience. 

I kindly request your assistance in investigating this matter and helping to restore access to my funds and accounts as soon as possible.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been engaged in a lengthy endeavor to challenge the presence of incorrect information on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I possess the right to dispute any inaccuracies that exist. In my pursuit, I have sent multiple dispute letters and reached out to the credit bureaus, given the multitude of names and addresses listed that are entirely erroneous. I have never been associated with these names before. I have provided legal documents such as my ID, proof of address, and social security details to establish my identity beyond doubt. Unfortunately, despite my efforts, the credit bureaus persist in misrepresenting this information. This situation poses difficulties when I apply for credit-based services and raises concerns about potential identity fraud. I also keep receiving letters/email responses from the bureaus delaying my disputing efforts simply because I choose to use a credit assistance service. It is my right to choose to dispute the information on my credit report in the manner I choose. They do not need proof of how I choose to dispute. They must simply follow through on their end to address the inaccuracies and correct them as legally obliged.

Company response to consumer: Closed with explanation