vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 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: IN

Complaint narrative:
I have been a victim of identity theft. 

In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax has violated my rights. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15 U.SC 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 1681a 5 Section States : no consumer reporting agency may make any of the following items of information or any other adverse item of information, other than records of crimes or convictions which antedates the report by more than seven years. 15 U.S.C 1681s : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: Synovus Bank
State: FL

Complaint narrative:
I was reviewing my credit report with XXXX XXXX XXXX and discovered an inquiry from Synovus Bank that was done on XXXX XXXX. I have never applied for any credit or services from this Bank XXXX Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my XXXX credit history and any other agencies that they use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: OH

Complaint narrative:
Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : Account Holder Information : - Varying levels of redaction for the account number across the three credit bureaus. 
- Difference in the length of the account number between XXXX and TransUnion. 

High Balance : - The high balance amount is different between XXXX, TransUnion, and XXXX. 

Monthly Payment : - The monthly payment amount is different between XXXX and TransUnionXXXX. 

Last Reported Date : - The last reported date is different across all three credit reports. 

Responsibility : - The responsibility status is consistent across all three credit reports. 

Past Due ( 30/60/90 Days ) : - There are differences in the number of days past due for each credit bureau, indicating potential inconsistencies in reporting. 

Remarks : - The remarks on the account are consistent but provide important details about the account 's history.

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 2024-02-08 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: OH

Complaint narrative:
Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : Account Holder Information : - Varying levels of redaction for the account number across the three credit bureaus. 
- Difference in the length of the account number between Experian and XXXX. 

High Balance : - The high balance amount is different between Experian, XXXX, and XXXX. 

Monthly Payment : - The monthly payment amount is different between Experian and XXXX. 

Last Reported Date : - The last reported date is different across all three credit reports. 

Responsibility : - The responsibility status is consistent across all three credit reports.

Past Due ( 30/60/90 Days ) : - There are differences in the number of days past due for each credit bureau, indicating potential inconsistencies in reporting. 

Remarks : - The remarks on the account are consistent but provide important details about the account 's history.

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 2024-02-08 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: FL

Complaint narrative:
I was reviewing my credit report with Transunion Reporting agency and discovered an inquiry from XXXX XXXX XXXX. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.

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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Tuesday, XXXX XXXX XXXX. I received a text from Chase Bank identifying a transaction from XXXX which I did not authorize. The text indicated if I needed to close my card. I said yes. They reissued me a new card and that new card was used for XXXX as well. On Wednesday, XX/XX/, I called Chase as I saw XXXX transactions for XXXX. Chase credited me the money back and reissued me a new card. Today XXXX XXXX XXXX  I saw another transaction for XXXX. I call Chase to get more information. The new card they issued me was used again. I requested to block these funds do not allow any future transactions from XXXX to my account. They indicated there are unable to do that. I requested assistance from them. If there are unable to block these transactions, is there anything on my end to do, they said they are unsure. Chase Bank has access to my income and is unable to secure my money. They did not prevent the fraud transaction. They allowed it to happen total of XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Please remove this inquire being I didn't request this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: PA

Complaint narrative:
I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, PA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
I was aware, especially after mandated flyers were sent repeatedly by the servicing company, Specialized Loan Servicing, that auto-termination of the PMI on my mortgage would happen XX/XX/XXXX of XXXX. I waited a month or two to reach out after I realized that this wasn't going to happen automatically. The company said they would look into it, however they promptly transferred my mortgage to another servicer. I believe they broke the law and they do owe me for the PMI I have paid after it should have been terminated automatically by reaching 78 % of Original Value.

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 2024-02-08 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: MA

Complaint narrative:
XX/XX/XXXX My Student Loan Repayment Account with XXXX XXXX XXXX has been transferred to MOHELA ( Acct # XXXX ), and I am incurring the same issues with MOHELA with my loan in EARLY repayment, yet the next payment due date is XX/XX/XXXX. I am submitting a new complaint, which is related to COMPLAINT ID XXXX and XXXX, both of which have a status of OPEN Company response is in progress. 

I have received a notice from MOHELA that I have missed several payments, and to avoid delinquency or default I need to contact them. I have tried to call and email but they are non-responsive and phone calls are on long wait times due to high call volume. 

MOHELA says my paid ahead status with XXXX XXXX no longer stands, and that I MUST go into Loan Repayment now instead of XX/XX/XXXX. My original loan amount was {$120000.00} and my current balance is {$13000.00}. 

I am attaching the statement from XXXX XXXX that says my repayment starts XX/XX/XXXX. I also sent this to MOHELA, see proof attached with screenshots.

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 2024-02-08 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I noticed on my account that there are incorrect address and name information. My name is XXXX XXXX XXXX and XXXX and XXXX have incorrect names for me : XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX ( XXXX ) Credit Acceptance Corp does not belong to me ans I have asked them to send proof of this account and I have not receive it ( XXXX and XXXX is reporting incorrect information on my credit. 

I have no idea what the following account are or who these accounts belong to : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-02-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed on my account that there are incorrect address and name information. My name is XXXX XXXX XXXX and Experian and XXXX have incorrect names for me : XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX ( Experian ) XXXX XXXX XXXX does not belong to me ans I have asked them to send proof of this account and I have not receive it ( XXXX and Experian is reporting incorrect information on my credit. 

I have no idea what the following account are or who these accounts belong to : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I want this inquiry to be deleted from my credit report. I did not authorize Barclay Bank to run my credit.

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 2024-02-08 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate account reporting. I contacted the credit bureau and they failed to follow-up with my complaint of multiple unauthorized inquiries

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity 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 non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is at it again with their deceptive and unethical practices around paying interest in savings accounts. At a time when interest rates are at an all time high, I opened and moved about $ XXXX to their bank that is local to me. I did this in person with a 'premier banker ' as I was considered a 'relationship ' client for bringing in that much money. I was promised interest rates of about 5 % and when I did not get that amount, the banker was himself confused and escalated to 'corporate '. We have gone back and forth for months as at the time they owed me about {$1000.00} in back interest. Finally they have paid {$450.00} but still owe me around {$600.00}!!! 

The scam that effected me and probably millions of others around the country is that while they claim that they will start paying interest right away, they actually do not pay interest until 2 weeks after the rate is promised. After this happened to me the first time in XXXX when I opened my account- I was not given the interest that was due to me XX/XX/XXXX - XX/XX/XXXX ( about {$200.00} ), and the relationship banker XXXX XXXX escalated my concerns I specifically asked him to check to see if the new promotional rate would be applied immediately and he assured me it would. I did not receive any interest for the entire month of XXXX and only through complaints with 'corporate ' was I given half the interest I was due mind XXXX. It is now XXXX and after several months of waiting and allowing them to do the right thing, they have sent me the following email confirming they will not pay any interest for two weeks when a promotion is applied. They still owe me for interest XX/XX/XXXX - XX/XX/XXXX ( about {$400.00} ). 

The issue is that the relationship banker who signed me up for and convinced me moving my money from XXXX XXXX XXXX  where I was already receiving a 4.5 % interest rate either lied or was also not aware of this practice. He had me electronically sign some documents, which were 10 or so pages long in legal speak. The fact is, I was deceived by WF and its employees to move my money to the bank with promises of an interest rate that were not true and would make me lose money. The bank is responsible for that and can not just steal people 's money without their knowledge which is what happened to me. I am sure it has happened to millions of other customers as well leading to millions of stolen money from consumers for WF.

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Reference made to XXXX I was denied to answer resolution of Apple card XXXX Here is my response I am writing to express my extreme dissatisfaction with the recent handling and total disregard of any consumer protection. Specifically, I received a refund of only XXXX out of the {XXXX} charged for a service that was not delivered as promised. 

The situation arises from a booking I made for a stay at the XXXX XXXX in XXXX for XXXX nights through an online XXXX Despite the attractive property displayed online upon arrival, I was confronted with disruptive construction that had not been disclosed beforehand. This construction significantly compromised the quality of the service and rendered my stay untenable. 

In light of these circumstances, I opted not to proceed with the stay and requested a refund for the full amount charged. However, I was shocked to receive a refund approved of only XXXX, which is grossly inadequate considering the total amount paid and the complete failure of the service to meet its obligations. 

I am deeply disappointed by this outcome and feel that I have been unfairly treated. I expect a full refund of the XXXX charged, as the service was not delivered as promised and did not meet the reasonable expectations set forth in the online agreement. 

I kindly request that you review this matter promptly and provide a resolution that reflects the gravity of the situation. I look forward to your swift response and a satisfactory resolution to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: MD

Complaint narrative:
On XX/XX/XXXXXXXX  I received multiple calls from different people and telephone numbers claiming to be representatives of Penn Credit Corporation demanding I pay {$3500.00} or I would be subject to judgment. 
On XX/XX/XXXX, I noticed an alleged collection on my credit report from Penn Credit Corporation negatively impacted my credit score and financial standing. 
On XX/XX/XXXX, I typed and mailed letters to XXXX, XXXX, XXXX and Penn Credit Corporation to dispute the validity of the debt. 
After receiving no response for months, I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXXXXXX  and received notification that the companies were in response to my dispute and to wait for correspondence. 
On XX/XX/XXXX I received notification on XXXX XXXX  that between XX/XX/XXXX and XX/XX/XXXX your Penn Credit Corportat collection was removed from your credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation