vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: NY

Complaint narrative:
Starting XX/XX/XXXX, XXXX XXXX illegally changed the due date on all my credit card accounts with them. They have also changed the due date for tens of thousands of their card holders. In doing so XXXX  XXXX violated Federal Law as well as my rights and the rights of thousands of their cardholders : The three accounts where dates were illegally changed are as follows : XXXX XXXX XXXX  XXXX. Account XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX. Account XXXX XXXX {$7600.00} XXXX XXXX XXXX  XXXX. Account XXXX Balance {$5400.00} TILA ( Truth in Lending Act ) ,15 U.S. Code 1637 and CARD ACT of 2009, ( o ) DUE DATES FOR CREDIT CARD ACCOUNTS- ( 1 ) IN GENERAL - The payment due date for a credit card account under an open end consumer credit plan shall be the same day each month. 

From XX/XX/XXXX XXXX XXXX unilaterally without permission and illegally changed mine as well as other customers ' due dates and continued to fraudulently report these inaccurate dates and incorrect reported dates to credit reporting agencies. Worse, they did not make any notice on the statement about account changes as prescribed by law. 

As per Sec 127 15 U.S. Code 1637 it is clear the due dates can never be changed unless a consumer requests it. XXXX XXXX willfully violated the due date nullifying all late payments as invalid as the due date was not correct thus any lateness reporting is also false. Furthermore the dates reported are simply inaccurate. On top of this they changed the billing cycle dates, also illegal. I have asked for corrections on this issue with the credit bureaus and XXXX  XXXX multiple times and they continue to report that everything is accurate and their reporting history is accurate.

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 2022-12-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Starting XX/XX/XXXX, XXXX XXXX illegally changed the due date on all my credit card accounts with them. They have also changed the due date for tens of thousands of their card holders. In doing so XXXX XXXXXXXX violated Federal Law as well as my rights and the rights of thousands of their cardholders : The three accounts where dates were illegally changed are as follows : XXXX XXXXXXXX XXXX XXXX. Account XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX. Account XXXX XXXX {$7600.00} XXXX XXXX XXXX  XXXX. Account XXXX Balance {$5400.00} TILA ( Truth in Lending Act ) ,15 U.S. Code 1637 and CARD ACT of 2009, ( o ) DUE DATES FOR CREDIT CARD ACCOUNTS- ( 1 ) IN GENERAL - The payment due date for a credit card account under an open end consumer credit plan shall be the same day each month. 

From XX/XX/XXXX XXXX XXXX unilaterally without permission and illegally changed mine as well as other customers ' due dates and continued to fraudulently report these inaccurate dates and incorrect reported dates to credit reporting agencies. Worse, they did not make any notice on the statement about account changes as prescribed by law. 

As per Sec 127 15 U.S. Code 1637 it is clear the due dates can never be changed unless a consumer requests it. XXXX XXXX willfully violated the due date nullifying all late payments as invalid as the due date was not correct thus any lateness reporting is also false. Furthermore the dates reported are simply inaccurate. On top of this they changed the billing cycle dates, also illegal. I have asked for corrections on this issue with the credit bureaus and XXXX XXXXXXXX multiple times and they continue to report that everything is accurate and their reporting history is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. I had filed complaints to the bureau ( Experian ) on XX/XX/2022. The bureau received the complaints but have not taken off the Unverified information from my report. I have also written a non-response letter to the bureau, dated XX/XX/2022. 
I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus 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 their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

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 2022-12-01 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: MO

Complaint narrative:
In Accordance to the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

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 explanation
Consumer complaint received 2022-12-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX unauthorized charges took place on XX/XX/XXXX, XXXX {$1700.00} and XX/XX/2022, for {$850.00}. A car wash was purchased before the transaction at XXXX XXXX XXXX In XXXX. Citi Bank concluded that it was a valid charge because an authorized car wash was done before an unauthorized transaction at XXXX XXXX, which is located in the same city. When the investigation occurred, Citi Bank credited the account partially. It was never a full temporary refund credited. The entire time this account was open, Citi Bank was aware that the primary card was lost and the secondary card was the only card accessible on the bill. It wasn't a problem because the secondary card was ordered to help the authorized user establish credit. Citi Bank was also informed about a recent identity theft my family and I encountered. Citi Bank claims that they spoke to me about the investigation and that all phone calls are recorded. I would like for it to be forwarded to me as I would like to review it. As I mentioned to them, the car wash was authorized purchased, not enterprise. It was also said that I had done business with the merchant. I have attached the XXXX XXXX XXXX XXXX call and procedures about payment authorization. There was never a contract between myself or an authorized user on my account with the customer or XXXX. We have asked for a proper investigation of both XXXX and Citi Bank. XXXX stated they don't have any information for me or an authorized user in their system. Citi Bank HAS FAILED TO DO AN PROPER AND ACCURATE INVESTIGATION. IF CITI BANK FAILS TO COMPLY OR CONTINUES WITH INACCURATE INFORMATION, WE ARE CONTACTING THE STATE ATTORNEY 'S OFFICES

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 monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi Card Flex Loan terms. I had one Citi Flex Loan for 3 years at 5.99 %. Citi advertised that I could get another flex loan for 5 years at 6.99 %. I intended this to be a second loan not a replacement for an earlier flex loan. I was surprised by Citi when they sent me an email indicating that my first loan had been paid off. I assumed that the email was a mistake. I specifically had questioned the agent I dealt with on this matter, but he didn't disclose that this was a replacement loan not a second loan. 

The Citi phone menu system makes it nearly impossible to find a person to talk to about the Flex Loan program and when I did get connected to such a person they clearly were not a native, clear speaking agent.

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 2022-12-01 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: MO

Complaint narrative:
In Accordance to the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

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
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
Due to unfortunate events in the begining of the year XXXX, losing my job as a chef because of XXXX, multiple family XXXX  from XXXX, our beloved dog XXXX, we filed for Bankruptcy. Not to mention identity theft and being robbed in our home. Not a great year. So heres how things went down with our lenders Since we were under COVID forbearance before we filed which according to XXXX was XX/XX/XXXX, somewhere my payments for XXXX and XXXX didnt get recorded correctly, although still in forbearance, we filed XXXX XX/XX/XXXX, XXXX  kept informing us they sent the reaffirmation paperwork to our lawyer but we never received them, finally we were told by XXXX  they sold our loan to Arvest XXXX XXXX of XXXX, the turnaround time for the process of a reaffirmation is 3-6 months since everything has to be ink signed, and can only be transferred through physical mail in which all parties must sign including the XXXX XXXX. So we lost every single on-time credible payment, in which we have never been late on our mortgage in the 12 years from then prior. So Arvest acquired our loan in XXXX of XXXX, and it would be for another month or so before our account would be fully transferred to them. Obviously they cant change any terms on our loan and we were still under XXXX forbearance. They gave us no chance to restructure or reaffirm our loan since we were to be discharged on XXXX XXXX XXXX. Arvest kept us on forbearance but took it over from XX/XX/XXXX through XX/XX/XXXX. XXXX did not apply my payment for XXXX payment. And I dont know what happened to the money that was in escrow but XXXX transferred our loan with - {$400.00} in our escrow account. So As of now, we are deferred from XXXX of XXXX to XX/XX/XXXX. Principle and interest. However, XXXX also included escrow, which I still havent investigated yet, into our deferment, but also put us on a 5 year loan in the amount of {$4000.00} to apparently pay back from the forbearance for escrow. Yes, even though they charged us in the deferment for those months. Ive been battling both of these lenders in terms of where the money went. Even though I have proof of payments not only from the lender themselves, but from my bank statements. Since those werent suffice, Im now having to get the actual transaction number from the bank to see where the money was actually wired. 

We were able to refinance into an fha loan with united wholesale mortgage. The lump some we had to pay off is absurd. And most likely fraudulent.we are literal paying for way more then what was agreed on. My account must be looked at thoroughly and calculated correctly. These lenders have made money of our hardship. Its disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity is not reporting to any of the credit bureaus since XXXX for a lot of people. After looking up this issue online- they are either giving people a blanketed this is a system update response or, after being escalated and pushed, they give in and update the persons records. After sending them a message saying that I would like for them to update my payment records, they only gave me the blanketed response with no sign of a solution. My balance for this card has dropped drastically and I would like for that to be reflected correctly. Ive also seen in online forums that this bank, as a retaliatory response, decreases the credit limit for people who complain. Not sure if that part is true, but its a worthwhile mention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$1700.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$6000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, Highest Balance {$1700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$4100.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$2000.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$5000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$4500.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$1000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Deposited XXXX into personal checking with chase bank XXXX XXXX branch zip XXXX. 
Branch manager XXXX XXXX confirms availability by voicemail on XX/XX/23, in addition I called customer service to confirm which they did. The check was written for XXXX check XXXX and chase called me to confirm validity which I did, they bounced the check payable to my XXXX XXXX account at XXXX XXXX. I went to chase branch above, they wired it out. I called fraud while sitting in the branch, they wire they said was sent. XXXX that evening, still pending, I called and they sent me to fraud despite verifiying in person and via phone with their etf dept. They said ok, its all good. The wire was delayed 2 days, I have still no explanation why my original check was returned. The branch manager declined to speak with me directly. Sad this was my first ever bank account with positive longstanding deposit history. 

I am demanding a bank letter of error for the bounced check. And {$8.00} fee I received from XXXX. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01 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: OH

Complaint narrative:
I am currently XXXX XXXX military and qualify for XXXX for my time working in public service. I have been on XXXX XXXX since 2008 and in repayment on my loans. I recently consolidated to take advantage of the XXXX waiver benefits. Erroneously Mohela my loan servicer is categorizing my employment as for profit. Ive spoke with representatives and keep getting that they admit the mistake but have not fixed it. The company has admitted the error on there part but still has not corrected it and i have been in a holding patter since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$1700.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$6000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, Highest Balance {$1700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$4100.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$2000.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$5000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$4500.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$1000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: Park Hill Holdings
State: GA

Complaint narrative:
** AN OFFICIAL DISPUTE WITH COPY OF DL AND LAST 4 OF MY SOCIAL SECURITY NUMBER HAS BEEN MAILED CERTIFIED TO SAFERENT - THEY HAVE PERMISSION TO REACH ME WITH THEIR RESPONSE BY US MAIL ONLY. *** THIRD complaint : SafeRent Solution Operating has assumed a role as a credit reporting and screening company. Were uses be rental agencys submitted a report to XXXX XXXX XXXX suggesting my leasing application be denied based on the report generated by them. Data within their report is incomplete and displayed in a misleading way. It appears as if I have an open judgement from 2015 for eviction with a balance of {$4200.00}. This report omits disposition data. This is inaccurate and harmful reporting which has caused me harm as with ANY one considering leasing to me would certainly decline the application. Which is exactly what XXXX XXXX XXXX did at the recommendation of this third party company, SafeRent Solutions. Safe rent made 2 unsolicited attempts to reach me by phone. I was unavailable both times. I returned their call at XXXX and asked for the woman who left the mvm message XXXX and was told that she does not work there. That I had the wrong number. Furthermore, It is not MY responsibility to VALIDATE THEIR REPORTS. THAT RESPONSIBILITY FALLS ON THEIR SHOULDERS. FORCING ME TO CONTACT THEM BY PHONE IN AN ILLEGAL AND ROUND ABOUT WAY TO VALIDATE THEIR REPORT WILL NOT WORK.

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 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE ASKED ALL THREE CREDIT BUREAUS FOR A THOROUGH INVESTIGATION OF MY CREDIT REPORTS AND THEY ARE STILL REPORTINTG INACCURACIES. 

I HAVE RIGHTS UNDERTHE ROSENTHAL ACT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTINTG ACT, XXXX  ( XXXX ) ( ACCT # XXXX, XXXX XXXX XXXX, {$12000.00} ), ( ACCT # XXXX, XXXX, $ XXXX A SCAM AND HAS BEEN ADDING INTEREST DAILY ; REPORTED TO FTC ) XXXX ( ACCT # XXXX, XXXX XXXX, {$5500.00} ), ( ACCT # XXXX, XXXX XXXX XXXX {$4800.00} ) AND AN UNKNOWN ( ACCT # XXXX, ORIGINAL CREDITOR, {$230.00} ) HAVE VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I HAVE SUBMITTED A COPY OF MY FTC IDENTITY THEFT REPORT AND NOTORIZED POLICE REPORT TO EACH BUREAU IN 2019 TO NO AVAIL.

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