vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: FL

Complaint narrative:
Re : XXXX Mortgage # XXXX In 2020, my wife and I were notified by XXXX that we could participate in a forbearance offer due to XXXX. We decided to participate and did so for a period of XXXX months. At the end of that time, we found out that XXXX, without informing us, had reported us to the XXXX credit reporting agencies as 60 days late. When we found out this negative information was on both of our credit reports, we made a huge payment to bring the account up to date. XXXX never told us of the limited time of the forbearance, XXXX months, nor that we would be required to make a XXXX or 3 month lump sum payment. We were mislead at a time when we were thought we were getting some type of COVId relief. Further the failure of XXXX to timely and clearly inform us that the forbearance had such strict limitations and was actually not a forbearance is disheartening. At the very least, we want the negative, 60 day late payment, reported by XXXX removed from the XXXX XXXX XXXX XXXX reports under our names as at the time we were in the agreed upon forbearance offered by XXXX. I have reached out to XXXX as late as last month with no resolution of this issue. Thank you. 
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 2023-01-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : XXXX Mortgage # XXXX In 2020, my wife and I were notified by XXXX that we could participate in a forbearance offer due to XXXX. We decided to participate and did so for a period of XXXX months. At the end of that time, we found out that XXXX, without informing us, had reported us to the XXXX credit reporting agencies as 60 days late. When we found out this negative information was on both of our credit reports, we made a huge payment to bring the account up to date. XXXX never told us of the limited time of the forbearance, XXXX months, nor that we would be required to make a XXXX or 3 month lump sum payment. We were mislead at a time when we were thought we were getting some type of COVId relief. Further the failure of XXXX to timely and clearly inform us that the forbearance had such strict limitations and was actually not a forbearance is disheartening. At the very least, we want the negative, 60 day late payment, reported by XXXX removed from the XXXX XXXX XXXX XXXX reports under our names as at the time we were in the agreed upon forbearance offered by XXXX. I have reached out to XXXX as late as last month with no resolution of this issue. Thank you. 
XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : XXXX Mortgage # XXXX In 2020, my wife and I were notified by XXXX that we could participate in a forbearance offer due to XXXX. We decided to participate and did so for a period of XXXX months. At the end of that time, we found out that XXXX, without informing us, had reported us to the XXXX credit reporting agencies as 60 days late. When we found out this negative information was on both of our credit reports, we made a huge payment to bring the account up to date. XXXX never told us of the limited time of the forbearance, XXXX months, nor that we would be required to make a XXXX or 3 month lump sum payment. We were mislead at a time when we were thought we were getting some type of COVId relief. Further the failure of XXXX to timely and clearly inform us that the forbearance had such strict limitations and was actually not a forbearance is disheartening. At the very least, we want the negative, 60 day late payment, reported by XXXX removed from the XXXX XXXX XXXX XXXX reports under our names as at the time we were in the agreed upon forbearance offered by XXXX. I have reached out to XXXX as late as last month with no resolution of this issue. Thank you. 
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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was charged an overdraft fee yesterday in the amount of {$36.00} but there was money in my account. I received a refund that was available on my account when they claim the transactions took place, but Regions Bank seemingly rearranged the transactions to where my account would overdraft. I am also not enrolled in standard overdraft coverage so i dont understand why I was charged a fee.

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 2023-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: FL

Complaint narrative:
I purchased the vehicle from car max in XX/XX/2021, the paper work like the title is still not registered to me and it has been over a year. I cant get a tag in my name because the car isnt registered to me but I have been making payments for over a year. Car max wants me to return the car in order to re do the paper work and that doesnt make any sense when I have already did the credit check, put a {$4000.00} down payment and now they car telling me I will have to do car buying process all over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
have private student loans that hav been steered into forbearance plans that just make the balance go up and don't really help. I rely heavily on my sphere of influence because I do real estate and my client whose also a family whom I sold a home to have gotten calls from navient about me without my consent, resulting in lost business. No refferals and or testimonials either from that client. I think the negative light that I was put in by navient has been a direct result of this. I've also experienced harassing phone calls for the better part of 5 years over 20 calls a week. This resulted in for performance and when the phone call stopped I can see a clear change in my income. I've had calls on the record before XXXX disrupting my work flow. I've been threatened regarding my assets and with lawsuits. They also disabled my online account so that I couldn't pay without calling them and I had to miss work from that as well I have emails and records of that also. 

I have around {$30000.00} of private student loans with navient and they have only grown with the stress of these scare tactics and payment plans that are misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX AND EQUIFAX IS CONTINING TO REPORT UNVERIFED INFORMANTION ON MY CONUSMER REPORT. XXXX AND EQUIFAX NEVER HAD MY PERMISSION TO PLACE XXXX XXXX XXXX ON MY CONSUMER REPORT. I SENT XXXX A DISPUTE LETTER AND A CEASE AND DESIST LETTER. I HAVE NEVER DID ANY BUSINESS WITH XXXX  AND HAS NEVER SIGNED ANY CONTRACTS. I NEVER GAVE XXXX PERMISSION TO HAVE MY PERSONAL INFORMATION... EVEN WHEN IN DISPUTE, XXXX  NEVER REMOVED THE COLLECTION ..NEVER PROVED THAT THE DEBT WAS OWED TO XXXX. XXXX XXXX HAS NEVER DID BUSINESS WITH XXXX XXXX XXXX. NEVER SIGNED ANY AGREEMENT WITH XXXX BUT YET THEY HAVE VIOLATED MY PRIVACY BY HAVING MY INFORMATION..EQUIFAX AND XXXX HAS ALSO VIOLATED MY CONSUMER RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICE ACT. EQUIFAX AND XXXX USED UNAUTHORIZE INFORMATION TO CAUSE XXXX XXXX SUBSTANTIAL HARM AND INCONVENIENCE BY REPORTING FALSE INFORAMTION ON MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
XXXX fraudulently added charges to my phone bill. We had a total of 5 phones 2 for myself 2 for my fiance at the time at 1 for her XXXX XXXX XXXX daughter. The XXXX XXXX XXXX became defiant and moved out so we suspended the line and XXXX guarantee we wouldn't have to pay any charges for voice services on equipment charges. We paid paid all of our phones off and when it was time to renew our contract we decided to go with XXXX instead of XXXX due to us moving to a new city and XXXX had better coverage. We paid our entire bill and phone on the same day located XXXX XXXX XXXX XXXX XXXX # XXXX. Sometime later I received a call from XXXX saying we still owed them and we know we paid our entire bill. So i asked for a breakdown of charges. The lady proceeded to tell me that when we ended our contract with XXXX  that the line that we suspended and hasn't been paying for for over a year didn't get canceled and was reactivated when we canceled the other 4 lines. She couldn't explain how it happened or how it made sense to start charging for a line that was anyway suspended and not in use. I verified that it wasn't due to any equipment charges and she confirmed. This debt was caused either by intentional fraud in XXXX  behalf or due to a system error. But the debt is not mine and XXXX  needs to fix this as now a debt collector is trying to collect a fraudulent debt.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TANSUNION AND XXXX IS CONTINING TO REPORT UNVERIFED INFORMANTION ON MY CONUSMER REPORT. TRANSUNION AND XXXX NEVER HAD MY PERMISSION TO PLACE XXXX XXXX XXXX ON MY CONSUMER REPORT. I SENT XXXX  A DISPUTE LETTER AND A CEASE AND DESIST LETTER. I HAVE NEVER DID ANY BUSINESS WITH XXXX AND HAS NEVER SIGNED ANY CONTRACTS. I NEVER GAVE XXXX PERMISSION TO HAVE MY PERSONAL INFORMATION... EVEN WHEN IN DISPUTE, XXXX NEVER REMOVED THE COLLECTION ..NEVER PROVED THAT THE DEBT WAS OWED TO XXXX. XXXX XXXX HAS NEVER DID BUSINESS WITH XXXX XXXX XXXX. NEVER SIGNED ANY AGREEMENT WITH XXXX BUT YET THEY HAVE VIOLATED MY PRIVACY BY HAVING MY INFORMATION..XXXX  AND TRANSUNION HAS ALSO VIOLATED MY CONSUMER RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICE ACT. XXXX AND TRANSUNION USED UNAUTHORIZE INFORMATION TO CAUSE XXXX XXXX SUBSTANTIAL HARM AND INCONVENIENCE BY REPORTING FALSE INFORAMTION ON MY CONSUMER REPORT.

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/2023 a letter was generated stating that a credit card through US Bank was not able to be processed due to another pending application. I have not applied for any credit cards with US bank.

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 2023-01-10 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: Chime Financial Inc
State: MO

Complaint narrative:
My debit card was used in another state without my permission. Over {$200.00} was spent on a sports betting website which I have never heard of, as well as an XXXX in Texas. I've been in Missouri the whole time, and I filed a police report. I called the XXXX in Texas, and the manager gave me the name of whoever used it. I gave that information to police. 

My bank keeps telling me " no error occured '', which makes no sense considering I didn't authorize the transactions. My bank even texted me asking if I was authorizing a transaction from the very merchant in question, to which I replied " No '', indicating I did not authorize the transaction. Why would i authorize XXXX transactions but not a XXXX? I wasn't even aware of the other transactions until the text I received caused me to check my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
I have never had gas services. I only have had water and electric utilities. Someone used my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DriveTime
State: GA

Complaint narrative:
I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
My bank XXXX XXXX XXXX  informed me that I cant use Zelle through XXXX XXXX XXXX  because Zelle has put a permanent restriction on my phone number : ( XXXX ) XXXX and my email address : XXXX, even though, I have never had a Zelle account. I have never used Zelle or had an account with Zelle through any bank or credit union that offer Zelle services. So my phone number or email address shouldnt be restricted and I should be able to register my phone number and email address with Zelle through my participating bank. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On/about XX/XX/2022 BMO, manager Reference # XXXX on XX/XX/2022 dispute my dispute against an Authorize XXXX mobile provider, BMO paid XXXX. XXXX XXXX {$55.00} dollars for a XXXX mobile device and mobile services. I came to get a free mobile device, free talk, tex, and internet. 
The store supervisor " XXXX XXXX '' said he can register me into Affordable Connectivity Program and pay a one time fee of {$55.00} dollars. He took my picture with his device, took my public assistance Link card #, He took my Illinois State I.D . and My BMO Bank card billed for {$55.00} dollars. My phone texs messages from XXXX XXXX for {$55.00} dollars. Thank You for payment {$55.00} I have the tex messages. I am not registered in Government Affordable Connectivity Program ( A.C.P ) next day I went back to store he told me to bad. 
I made report to Office Of The Attorney General, XXXX XXXX, Attorney General, I was appointed XXXX XXXX, Citizen 's Advocate Consumer Protection Division, XXXX, ( XXXX ) XXXX. On/about XX/XX/2022 RE : XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX Device mobile # XXXX. 
I wanted a Government XXXX ACP  ) not XXXX or XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX email XXXX The BMO Manager at XXXX XXXX XXXXXXXX has been mailing partial bank statement to my address not entire month with my Social Security Direct Deposit for approxiately 3 months. 

please resolve my problem and investigate. Please respond by mail. no email, no telephone with privacy. 

Thank You 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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
Charges for air travel with XXXX XXXX were billed to my account. XXXX was round trip New York to Florida to XXXX XXXX. I did not make those charges and have never used XXXX air. Have never been in Florida or XXXX XXXX. Credit card company ( USAA ) states that merchant has provided evidence that supports that I made the charges but has not provided that information to me despite several requests. There were 3 charges. XX/XX/2022 for {$840.00} and {$920.00}. Neither was reported to me as a possible fraudulent charge by USAA. Customer service at USAA told me that the threshold for notifying me for a possible fraudulent use of my card is {$1000.00} but they have notified me in the past for amounts much less than that. A third on XX/XX/XXXX was for {$1200.00} and was reported to me by USAA that night. I told them it was a fraudulent charge. I also told them that the XXXX charges were fraudulent the next day when I discovered them on my online statement. That credit card has been terminated and new ones issued. I have placed a credit freeze with the three main credit agencies and have filed complaints with my local police department, the FTC, and the Wisconsin XXXX XXXX XXXX XXXX. I have changed passwords on my various financial accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Accounts XXXX XXXX XXXX XXXX XXXX XXXX  The following two accounts have been paid prior to closure. There was no retrial of the case after it was dismissed by the court. I would like the case to be dismissed from my credit report and removed from my American Express account and updated as a renewal of the credit card. The arrears have been removed due to the completion of the case, and I have won the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX ( Account Number XXXX, Balance : {$14.00}, Open Date XX/XX/XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and TransUnion 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 non-monetary relief