vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is in regarding to trying to get my free annual report from Transunion. I started in XX/XX/XXXXXXXX   trying to access my report via the free annual report website, and also via a third party monitoring service and was told they were unable to retrieve the report. In XX/XX/XXXX I begin to try to access my report directly via Transunion 's website and kept getting an error message saying my request could not be completed. I asked for a hard copy of my report via mail around XX/XX/XXXX. I called on XX/XX/XXXX because I had not received my copy by mail and was told that there is no credit file on record for me. After being hung on at least 3 times, I was then told that there was an error on my file and there were " multiple '' files on record for me and they needed to be combined. So how do I know the information is correction. 

My call was escalated to a manager by the name of XXXX ( File # XXXX ). She supposedly was submitting a maintenance request to merge all of my files in order to give me on-line access to my report. This is unacceptable to me because I have attempted to apply for various things that require accessing my credit report and have been denied. How do I know my denials were not in reference to incorrect information an/or an outdated credit report. I am not sure if what XXXX does or doesn't do will resolve my issue, but as a consumer I have been denied access to my report for over 60 days. At the end of our conversation she said it would still take XXXX business days for my problem to be corrected. So I am still having to wait another week to see what is on my report, which I am sure is VERY 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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 I requested a dispute unauthorized transaction on my account made at XXXX  XXXX  of amount {$100.00}, {$9.00}, {$20.00} And {$10.00}. The bank gave me the money back than took it away out the account like a month later. I called to request same dispute. I was told they'll get back to me with their answer. Few days later I made a XXXX  transaction of {$130.00} by mistake because i was trying to do a bank transfer which i didnt have on my account and I reported that to them as soon as possible to dispute that as well. They made the dispute process but I didn't get no answer from them about that. Then I received a mail from them stating I'm overdraft my account and my account would be closed due to none payment. But i never added overdraft protection to that account, they even give you an option if you want to add it or not. Before that happened they blocked me from accessing my online. I was never told my account was overdraft of {$220.00} until I call XX/XX/2023. So they used my money that I was waiting on for some overdraft transaction I wasn't notified by to pay it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Newport Intermediate Inc.
State: NY

Complaint narrative:
I received a pre-paid card returning a balance I had after closing an account with XXXX. 
On XX/XX/2024, I received a pre-paid card returning my balance. The information provided said the card program was managed by North Lane Technologies , Inc., and that the funds are held at XXXX XXXX  XXXX. 

The information provided included a phone number and website for activating the card, and included a website for a bank transfer or a paper check. I entered the website for the bank transfer/paper check and the website did not exist. I tried calling the number to request a bank transfer and I was unable to speak with a person. The options available on the automated phone line did not include a transfer of funds. 

It appears that Northlane may now be a company named Onbe. None of the options on Onbe 's website would resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I was told that because I always paid my entire balance and in the unfortunate event of having two automatic payments returned, they just decided to close the account. After learning about the payment return, I always fixed the problem immediately, and they also profited from me every time. It cost {$35.00} each time, which happened about six months apart. Also, I am concerned that this will cause damage to my credit score. I have this card for a while. Another concern is that the company never mentioned in their bill of rights that they would close your account if you had a payment returned by your bank. This is a trap, the same deceptive practice used by the former GE.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have banked with Chase for over 40 years. During that period I regularly deposited all my income from work and any sources into my Chase checking. At times, these were significant sums. I spent my entire career in the nonprofit arts sector where salaries were not great, but I was fortunate. In 2008, I had close to {$100000.00} in a Chase Investment Account. When the XXXX crash occurred that sum was reduced to {$38000.00} and I was required by Chase to close the account because my balance was below {$50000.00}. I had just left government employment and was searching for a job. Within days the arts sector in XXXX, my home, eliminated over XXXX jobs across all institutions, large and small. I was never able to accumulate savings again. 

Now I am XXXX and on a modest fixed income. For the past 8-9 months I have found it difficult to stay afloat and have been overdrawing my account to pay scheduled bills. Chase regularly charges me {$34.00} for each overage, even though many of these are for very small sums- for example, {$5.00}, {$7.00}. These overage charges both cause additional overages and make it harder and harder to ever catch up. I simply cant bear up under this strain anymore. It has become unbearable. Only greed can cause this - and the failure of the government to regular vulture capitalism. I need protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have reached out numerous times to XXXX XXXX in regards to a 30 day late payment that they are reporting on my credit reports with the credit reporting bureaus. The late payment is being reported in late XXXX during the Covid 19 Pandemic and I was in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided XXXX XXXX that information including a copy of the Cares Act/ Heroes Act section 110401 stating negative consumer credit reporting this time is suspended due to no fault of my own.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have reached out numerous times to XXXXXXXX XXXX  in regards to a XXXX day late payment that they are reporting on my credit reports with the credit reporting bureaus. The late payment is being reported in late  2021 during the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided XXXX XXXX  that information including a copy of the XXXX XXXX XXXX XXXX XXXX XXXX stating negative consumer credit reporting this time is suspended due to no fault of my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have reached out numerous times to XXXXXXXX XXXX in regards to a XXXX  day late payment that they are reporting on my credit reports with the credit reporting bureaus. The late payment is being reported in late 2021 during the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided XXXX XXXX that information including a copy of the XXXX XXXX XXXX XXXX XXXX XXXX stating negative consumer credit reporting this time is suspended due to no fault of my own.

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 2024-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-02-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX, XXXX XXXX, federally protected consumer, has placed numerous complaints with Equifax , Inc throughout the year via CFPB about the inaccurate reporting of non-public information..The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. As a federally protected consumer, I have a right to privacy.

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer. 

Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification ) CAF Notice, Power Of Attorney, Fee Schedule Name Copyright

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an 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 explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I applied for a VA Home mortgage with Chase bank and was denied b/c i haven't sold my current residence and unless i sell it they refuse to provide me a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express sent me two 1099-XXXX forms XXXX I have no clue why they are saying I made " other income. '' I tried chatting with a representative who told me they can not help and I need to call. I called the number quite literally listed on the 1099, and the Rep didn't know what a 1099 is and gave me a phone number for a different department ( not correct either ). Next I chat with a rep again trynig to ask for the correct number, and I'm told there is no number and no one that can answer my questions. How is that possible? Someone from American Express had to issue the 1099, so how are they not able to answer any questions about it? They're sending me from one person to another, wasting tons of my time, just to tell me there's no help that can be provided. Completely unfair and pure insanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
HAP/HUD Department of Community Affairs Fema Voucher 70 % subsidized living and XXXX advocate contacted XXXX XXXX XXXX XXXX XXXX XXXX and I had to prove 3xs rental $ XXXX rent income to qualify and XXXX  qualify for leasing the apartment through ft apartment on XXXX 

XXXX sever was issued XX/XX/2021, of XXXX move out date 11 month lease. 

{$650.00} of move out damages contract was issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ of Again, XXXX XXXX XXXX XXXX Subsidized living lease. 

The State of XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX - XXXX XXXX XXXX XXXXXXXX ) overpaid although move packet issued and severed lease prorate of XXXX against XXXX MO and Security Deposit was issued and agreed by XXXX. 

State overpaid two months rent XXXX & XX/XX/2021 post lease severance and vacate of apartment and when recalled XXXX deduced {$650.00} debt damages from {$2500.00} overpaid by state HAP/HUD portion then issued {$1400.00} debt to me on XXXX through XXXX, California XXXX XXXX XXXX National Credit Systems unlawfully . 

It has been over two years of attempts to make settlement arrangement offer and outreach of phone call and documents submit as disputes to XXXX and i have not been able to remove this false fraud indebtedness from My NLS leaving me to delinquent housing and homelessness eleven months. 

I have the ability to upload the lease, the severance, the payment acknowledgement to XXXX from XXXX, and the correspondence as well as the lease severance corporate sheet as well as the damage contract for {$650.00},, which was paid by the two months overpayment as a deduction on the former XXXX lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: TX

Complaint narrative:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My bank account had someone access my USAA bank account ( unauthorized ) and made 2 mobile deposits, the checks did NOT have a check hold placed on them and less than 24 hours later, they were able to transfer the funds out. The account went negative when the checks bounced less than 48 hours after the first deposit. IF they had put a hold on the checks the funds would not have been able to be transferred out. Here is a history of the transactions that occurred between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
On XXXX XXXX I received an email from Rocket Mortgage that my payment for XXXX was past due. However I had paid my usual amount that I have been paying for the past 3 yrs on XX/XX/XXXX with a due date of the XXXX. So I was confused to see an email with the following information : " We still havent received your mortgage payment, and your loan is being referred to the default team. '' I logged into my Rocket Mortgage account and saw that {$270.00} was still owing for XXXX. Upon further review I noticed that my Tax and Insurance had increased and my payment was then increased. However, I never received any written notice of the increase. I immediately paid the {$270.00} as I didn't want to be in default as the email stated. A couple of days later I looked in my mail and found a statement showing I owed the {$270.00}, however no explanation as to why the increase. I also noticed that a late fee was part of the {$270.00} in the amount of {$130.00}. When I made my original payment I paid {$3500.00} which is about {$40.00} more than my original mortgage amount, which I've been paying for the past 3 yrs. With the new ( increased ) amount being {$3600.00} starting in XX/XX/2024. So I was late on {$130.00} and a late fee of {$130.00}... I was shocked! So I called and asked if they could waive the late fee or do something since I never received anything in writing that showed the new amount until after the mortgage was already late. 
Rocket Mortgage told me that they do offer a 1 time late fee waiver, but since I already paid the fee there is nothing they can do. That doesn't make any sense to me... so I asked for the issue be escalated. I then got a call from the escalation team on XXXX and they told me the same thing that since I paid the late fee there is nothing they can do. This is just doesn't make since! They threaten with default so you pay anything right away, but if you ask for the fee to be refunded they refuse! However, if I never paid the fee they would waive it ... .but at the same time say you are in default! I don't get it and find this to be very unfair practice. No written notice and nor refund on a fee that they would waive, but since you do the right thing and pay you are out of luck. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've sent my id and social security card and bill to show proof of address, and nothing gets fixed. The accounts are reporting falsely.

Company response to consumer: Closed with explanation