vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX is in CLEAR VIOLATION of the law.

These laws are put in place by congress.

Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The definition of consumer : consumer means an individual. 

The definition of person is : person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity The law clearly states that a consumer report does not include transactions or experiences between the consumer and the person making the report ; I demand that XXXX follows the law. A LATE PAYMENT IS CONSIDERED A TRANSACTION OR EXPERIENCE. 

Does XXXX not consider a late payment a transaction or experience?

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 2023-12-07 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: American Credit Acceptance, LLC
State: TN

Complaint narrative:
Im a victim of this data breach and I would like for this account be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been a Southwest chase customer for sometime, I regularly make payments. I make multiple payments throughout the month. 
On XX/XX/XXXX I made a payment. It cleared XXXX. And out of nowhere they are telling me that they will not release my payment and credit it to my account until XX/XX/XXXX. The payment has already left my bank account. They have never done this before in 3 years. They are telling me they are doing this because I made multiple payments in one month. However, I have always made multiple payments in one month. It is not unusual for me to do this. 

I believe they are doing this because, it makes it so I will not get my special bonus for spending enough money on my card at the end of the year. By them delaying posting of the payment, theres no way I will have enough points for the reward at the end of the year and they know this. Ive gotten the reward for two years in a row, its the companion pass where my spouse flies free for an entire year. 
This is absolutely to take my money, get free interest on it for a week, and then make it so I dont get my yearly reward. 

I tried to call them, I asked to talk to Supervisor, I asked them credit my account, I told them Id be filing a complaint ; I asked the supervisor to provide me proof of this of their policies in writing, to none they would do. 

I just want my payment posted. Again, it was posted it was paid XX/XX/XXXX. It cleared my bank XXXX XXXX. And they refused to post it before XX/XX/XXXX. They have never done this before. My payments are always posted the very next day. 
None of my account activity is out of the ordinary for the 3 years I have had this credit card account. This is brand, new, and I 100 % believe it is to stop me from getting the reward that I get every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: MN

Complaint narrative:
I keep receiving repayment notices ( via email ) saying I owe them a payment. Due to the fact that my loans are from XXXX XXXX XXXX, I am a part of the Sweet vs. Cardona lawsuit, and the Presidents request in XXXX that all predatory loans from closed schools be discharged, I shouldn't have any payments due. My loans were automatically put into forbearance until XXXX, I have not heard from Mohela that this has been changed, and if it has, why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
Hello, I am filing a new complaint as the Franklin responded to the previous complaint but issue has still not been fully addressed. The company responded back with a history of the loan, but did not address the issue of forbearance during the pandemic. As previously stated we were able to workout a repayment plan in addition to receiving assistance from the CA mortgage relief payment following our forbearance. That said, we advised Franklin during the pandemic of our financial hardships, including but not limited to loss of pay, illnesses, car accident, onset XXXX caused directly from the pandemic, we made payments as we could stayed up to date with mortgage protections/laws HUD agency even state of CA. Franklin never once said that we were facing foreclosure due to the pandemic and homeowners protections in place. Our last payment to Franklin cleared XX/XX/XXXX in the amount of XXXX. I advised Franklin that we were working with the state for assistance, kept them abreast of status updates. I advised them that the stated denied as they're not assisting with 2nd loans or HELOCS only firsts and advised me to reach out to the servicer as I should have been offered some type of work out plan after the forbearance. I told them the only thing they told me was that I needed to pay the entire past due amount in addition to attorney fees and there is some XXXX plus charge on there as well. I obviously am in no position to pay that full amount. We are wondering why we were sent directly to pre foreclosure and where the letter advising us that our forbearance had ended and offered options to rectify. At the end of the day we just need help and the actual amount of the payments missed and for what months, the payments we made so I can compare to bank statement in addition to the copy of the letters stating our forbearance was over. We have been through a lot, things have not been easy, we have fought for our home. We are just everyday Americans with XXXX struggling after a pandemic to survive. Please help us. 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is being extremely difficult in responding and updating my disputed items and I submitted the dispute XX/XX/23

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 2023-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I applied for a loan consolidation on XXXXXXXX XXXX XXXX to consolidate two federal student aid loans. One loan was with XXXX and the other loan was with XXXX. I requested that my final servicer be Mohela so XXXX processed my consolidation request. XXXX successfully consolidated the loan originally held by themselves and transferred it to Mohela on XXXX XXXX XXXX 

However, in processing that consolidation, the new loan that was transferred to Mohela was incorrectly assigned the same loan ID number as the existing loan held by XXXX. This resulted in the existing XXXX  loan data being overwritten and obliterated from the Nation Student Loan Database System ( NSLDS ). XXXX subsequently attempted to payoff my XXXX loan but the payoff was rejected because there was no longer any record of that loan in the NSLDS. XXXX continued to make approximately 7 more payoff attempts over the course of the next two months without really trying to determine why the payoffs were being rejected. 

Because of these mistakes made by XXXX, my loan at XXXX began accruing interest on XXXX XXXX XXXX. 

Throughout this period, I made multiple inquiries and attempts to correct this problem and actually notified XXXX and XXXX of what the problem was. 

Finally, on XXXX XX/XX/, XXXX paid off my XXXX loan and added it to the existing consolidation loan at Mohela. However, because of the interest accrual on the XXXX loan due to the end of the Covid-19 payment pause, {$250.00} in accrued interest was capitalized onto my XXXX loan as part of the payoff. 

I should not have to pay this accrued interest because of mistakes and errors made by XXXX and/or the Department of Education in handling my consolidation request. Since my original consolidation request was made XXXXXXXX XXXX XXXX, there was more than sufficient time for XXXX to complete the consolidation before the resumption of interest accrual on XXXX XXXX XXXX. 

Therefore, I respectfully request that this {$250.00} in capitalized interest be removed from my loan balance and all subsequent interest charges be recalculated based on the lower and correct principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Attempted to order and XXXX from XXXX using " easy pay '' which allows multiple payments. XXXX issued account inquiry. All accounts credit bureau accounts are frozen ( which was confirmed ). Experian however replied reporting - HIGH RISK ORDER INFORMATION. 

XXXX cancelled the order and provided the letter attached to this complaint. If accounts are frozen with the credit bureaus in order to prevent fraud, then the credit bureaus should respond with that message, not a negative message indicating that the consumer presents a risk. 

In addition to this information, the credit bureaus SHOULD NOT be selling so-called credit services and presenting non-reliable vanity scores. Since at least 90 % of all financial decisions related to consumers is based on information that the bureaus collect without explicit consumer consent, they should just stick to that business and guarantee that they are providing credible, accurate, and non-damaging information with each and every single inquiry response.

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 2023-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
In XXXX XXXX, we had a refrigerator die while we were out of town. We had extended warrantee coverage through XXXX, who covered the cost to replace the refrigerator ( ~ {$1800.00} ) and the lost contents ( {$260.00} ). To resolve this coverage, XXXX sends the money to Bank of America, who issues me prepaid debit cards. I did not ever activate the cards and they were displaced for awhile during some construction we were doing. I never noticed that the cards had different expiration dates : one of the cards expired XX/XX/XXXX ( {$260.00} ) and the other expires XX/XX/XXXX. I went to use the cards yesterday and found that one of them did not work - the one that expired XX/XX/XXXX. 
When I called B of A, they advised me that once this particular card expired, the account is close and the monies are forfeited. There was no notification sent to me advising that the card was about to expire and I would forfeit the funds. There is small print on the card that advises of this policy, but it is on one card and not the other. BofA never contacted me about the cards being received or why they had not been activated. This is all information they would have in their databank. 
I can not imagine that this is legal. That a bank could take money ( which does not expire ) from XXXX, and send to me in a form that expires, whereupon the bank can keep the money. It is akin to theft.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
My complaint is against CREDIT COLLECTIONS SERVICE, which did not properly notify me of this debt at that time, therefore I have no responsibility for payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Sent letter saying that I was a victim of a data breach Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have requested a 1099 from XXXX XXXX XXXX XXXX Account XXXX. I haven't received any response after 30 days. I now sent a certified letter requesting 1099 for the Charged off account. 
At the time I was laid off from work. I fell behind on all financial obligations. 

Attached to this complaint is my 2nd attempt after 30 days. That this company has not responded to retrieve the 1099 fir this XXXX year certified charged off account.

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 2023-12-07 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: NY

Complaint narrative:
I was notified by a credit monitoring service that my credit score decreased. I checked my credit and realized XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MI XXXX conducted a hard inquiry against my credit for automobile financing purposes on XX/XX/2023. I did not request this inquiry. It was fraudulently conducted without my knowledge or consent. I would like XXXX XXXX XXXX to contact the XXXX main credit reporting bureaus to have this hard inquiry removed.

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 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Subject : Urgent Complaint Regarding Account Restriction and Lack of Assistance To Whom It May Concern, I am writing to express my extreme dissatisfaction and frustration with the lack of assistance and resolution I have encountered while dealing with the issue of my restricted account at Chase. 

My account was inexplicably restricted due to a mobile deposit check from my school, which the bank deemed suspicious and unrecognized. Despite my attempts to explain the situation, I have faced insurmountable obstacles in seeking assistance to resolve this matter promptly. The check in question was part of communications I had received from my school regarding payments, and I trusted these correspondences as legitimate. However, it appears there might have been a misunderstanding or, worse, a fake email, leading to this unfortunate situation. I have spent hours on calls with Chase representatives, tirelessly trying to explain the circumstances and requesting their help in rectifying this issue. Regrettably, the support I have received thus far has been inadequate and unhelpful.I explicitly asked for assistance in removing the suspicious check or finding a way to mitigate the situation, but nobody has shown willingness to help or provide a feasible solution. This situation has caused me immense stress and inconvenience. As a customer, I expect timely and efficient support when facing such critical issues, especially when I have taken immediate steps to address and rectify the problem. I implore Chase to take this matter seriously and urgently. I request immediate action to investigate this issue thoroughly, remove the flagged check, and restore access to my account without further delay. I trust that Chase, as a reputable financial institution, will prioritize customer service and resolve this matter promptly and satisfactorily. I look forward to a swift resolution and an acknowledgment of the distress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
XXXX was cancelled immediately because their store rep, who signed me up, issued my password and gave it out publicly-this is against store policy. its like someone knowing your ATM PIN. I returned the products & cancelled immediately. XXXX still overcharged an additional {$5.00} which I had removed. I wasnt even living at that property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
the over limit balance of my account almost exceeds the credit card limit, due to the company adding a {$40.00} over limit fee EACH month! No one will ever pay the balance off or decrease within a timely manner. I requested the over limit fees to be reimbursed and was told NO. This is unacceptable business practices as the over limit fee shouldn't clearly exceed someones monthly minimum payment, therefore I am request for your organization to take a look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested items be removed and updated in my dispute sent out XX/XX/23

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-12-07 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: IL

Complaint narrative:
I have not authorized these hard inquiries, they are the result of fraudulent activity on my credit report : 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