vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On or about XX/XX/XXXX, I asked my bank manager at the 5th 3rd branch in XXXX, MI. to perform a wire transfer to a vendor of mine in XXXX, XXXX. The bank had performed this exact task in the past, with only 1 issue previously. I was not present in the branch at the time of the transfer, and felt comfortable with that because the branch manager was handling the transaction personally and said she could just pull all the information from a previous wire. The monies were never delivered to the vendors bank in XXXX. The wire was for XXXX when the money was not available the following week, both my vendor in XXXX and I began asking the banks where the money was? no one had any answers. I never received any kind of receipt from the bank manager for the wire. when i asked her to send my the info she used it was a receipt from XXXX of XXXX. The bank in XXXX said it looked like there were missing numbers for the intercam bank, according to my vendor. The bank manager that handled the original transaction said she emailed someone and there was no response, she said they attempted to recall the wire, and got no response. then in mid XXXX she finally told me there was nothing more she could do, and I wouldn't be getting my money back. No one knows where my money went, and the bank never made it seem like it was even a possibility my money wouldn't make it to its destination. The bank charged me for a service, then lost my money, and refused to take responsibility for the results. How is this in any way shape or form my liability?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On or around XX/XX/2022, I called the fraud department of XXXX, Equifax and XXXX to report that I have approximately 17 or more unauthorized inquires reporting to my credit profile. Neither company did anything to fix this problem and the inquiries are still reporting and has yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On or around XX/XX/2022, I called the fraud department of XXXX, XXXX and Experian to report that I have approximately 17 or more unauthorized inquires reporting to my credit profile. Neither company did anything to fix this problem and the inquiries are still reporting and has yet to be 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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received your response that you wont process my to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

XXXX XXXX Date Opened XX/XX/2019 Balance {$0.00} Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXt account # XXXX, XXXX XXXX XXXX account # XXXX, I XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681Section 604 A Section2 : 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 2022-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Shellpoint informed XXXX on XX/XX/XXXX, that the mortgage service provider had paid PMI from Account escrow when the loan originated with lender-paid PMI. 

Shellpoint stated that PMI was paid from Account 's escrow from XX/XX/XXXX, through XX/XX/XXXX. Starting with XX/XX/XXXX, all PMI payments have been lender paid, according to Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have no memory of this account XXXX XXXX Opened XXXX {$140.00} I have no memory of- XXXX XXXX XXXX Opened XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have no memory of this account XXXX XXXX Opened XXXX {$140.00} I have no memory of- XXXX XXXX XXXXXXXX Opened XXXX {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
FIFTH THIRD BANK has violated my Right to credit, pursuant to 15 USC 1602 ( F ). Will FIFTH THIRD BANK reverse the adverse decision dated for XX/XX/2022?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello, I have spent over {$30000.00} on the XXXX XXXX card in the last 6 months and currently have a {$0.00} balance according to their app. I made payments of {$1700.00} and {$290.00} on XXXX & XXXX and those payments have cleared my bank account. The bank is holding my money and not releasing it ( making interest at consumers expense ). They released my last payment of {$1200.00} on XXXX. I am a great customer and they are not releasing credit back to the card - keeping my payments XXXX. It is unethical and at the expense of it's customers. I should be commended for being a great customer and yet I get this poor service. 

I would reconsider using this card if you value service. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: MD

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

XXXX. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Bank Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. Bankruptcy XXXX XXXX Reference # XXXX, has violated my rights. 
XXXX. XXXX  XXXX Reference # 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I have been getting harassing calls along with Letter via Mail from XXXX, XXXX, XXXX XXXX attorney at XXXX, since XX/XX/2020, constantly calling my phone before XXXX, past XXXX as well as weekends excessive number of calls, theyve even gone as far as reaching out to my employer before I was terminated. 
I called back on XXXX to speak with someone at this office to find out what was going on to not only be insulted but, threatened hung up on and sent several subpoenas, saying that I owe a company by the name of XXXX XXXX XXXX XXXX XXXX ) with lots of different $ $ $ $ amounts owed, not to mention I have no knowledge of who or what this company/ organization is, Ive never heard of them. 
I tried reaching out to them several times after this incident requesting that they submit proof of these accusations theyre making, and their response was NO they are not allowed to disclose any information related to this as they were sold my information from what they claim was a past credit card I owed, which is not accurate. They proceeded to ask me for my personal information, such as an address they have on file and the phone number in which they called and asking for my D.O.B and S.S.N. I explained to them that I didnt feel comfortable giving my personal information especially when I had no idea who they were and with the number of scammers and hackers out in the world, I was not going to disclose my personal information with them, the person on the other end of that call was very rude and obnoxious. 
I am still dealing with the calls from this company as well the harassment and the rude representatives Today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have made a refund request for payments made after XX/XX/2020 as per the CARES ACT from MyFedLoan on XX/XX/XXXX via phone call. I also reached out via email on XX/XX/XXXX as confirmation. Additionally, I made several other phone calls on XX/XX/XXXX attempting to request the refund from MyFedLoan for all payments made to my account after XX/XX/2020 per the Cares Act. 

Each time I asked to receive a confirmation number and was given no confirmation or tracking number. On subsequent calls, after making a request that the customer service team said was submitted, the next representative told me that they could find no refund request made at any time. 

Going forward, I have been unable to reach out support team in a timely manner, several hours on hold each time, and have been hung up on several times when attempting to follow up on my refund. It is clear that they are attempting to delay refund requests to avoid paying back the loan payments made and reinstating my loan. 

Each time I was told that the refund request was submitted I was given an estimated wait time of almost 6 months that I would have to wait for the refund to be processed and that there would be no way to track the refund request during this time. 

I am simply trying to receive a refund for any and all payments made to my MyFedLoan ( Account # XXXX ) as per the CARES Act and to have a confirmation of this or to have them refunded in a timely manner and my loans reinstated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
LoanMart has been calling me back to back several times a day harassing and threatening me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX acct # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX acct # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: FL

Complaint narrative:
To whom it may concern, 15USC 1681 section 602 states I have a right to privacy. My rights have been violated numerous times by the credit bureaus. 

15USC 1681 section 604A section : 2 also states a consumer reporting agency can not furnish an account with out my written consent. I never provided written consent for any reporting. 

15USC 1666B creditor may not report a payment on a credit card account late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: FL

Complaint narrative:
To whom it may concern, 15USC 1681 section 602 states I have a right to privacy. My rights have been violated numerous times by the credit bureaus. 

15USC 1681 section 604A section : 2 also states a consumer reporting agency can not furnish an account with out my written consent. I never provided written consent for any reporting. 

15USC 1666B creditor may not report a payment on a credit card account late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2022, I had an abysmal experience trying to book travel via Chase XXXX Rewards. The website advertised an air itinerary for {$640.00} round trip per person. I was unable to book online, so I called for assistance. After being on the phone for 30 minutes, the agent hung up on me. I called back, and after spending another 45 minutes on the phone with a second agent, I was told that they could not sell the ticket for that fare and that I would need to pay an additional {$150.00} per person. I would like someone to contact me regarding this and to let me know how I can book the tickets at the original fare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I review a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that should be deleted from my credit report. This account is not reporting the same information on all three of the credit bureaus. Due to the fair credit reporting act By law, I have rights to dispute anything thats not accurate on my credit report. I would like this account deleted since it is not 100 percent accurate reporting to all three credit bureaus. I am sending this letter as another attempt to have these account deleted. Could you please delete the following account I also sent in a certified letter the tracking number is as followed : 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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
I was removed as an Authorized user for a Discover account in XXXX, XXXX. However XXXX and XXXX credit bureaus are still reporting this account as active. 
I am requesting Discover provide me the XX/XX/XXXX AUD they submitted to XXXX, XXXX, XXXX and XXXX The AUD is the automated digital version of the form, which was originally called the Universal Dataform ( UDF ). Once the AUD has been prepared, the furnishing party sends it using XXXX to all of the credit bureaus where the error is appearing on your credit report Two Credit bureaus claim Discover never submitted an AUD updating the information concerning this discover account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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: CA

Complaint narrative:
Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

XXXX  XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$340.00}.

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