vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Due to financial challenges over the past XXXX months, my XXXX XXXX  checking account with Wells Fargo has been overdrawn numerous times. During XX/XX/2022, I received a child support check on XX/XX/2022 for {$1400.00}. I deposited the check on XX/XX/XXXX. I received an automated email stating that the funds would be held for 10 days, as my account was consistently overdrawn over the past XXXX months. Due to the actions of Wells Fargo, I was unable to purchase food, pay bills or purchase XXXX presents for my son. It felt like my money was being held 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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A prior complaint was submitted which bears your number XXXX. Substantial funds were stolen from the account of a senior citizen, XXXX XXXX, at the Chase branch located in XXXX XXXX, California. Chase paid back 60 days worth of funds although six months of funds were taken through fraudulent electronic transfers. The terms and conditions of the agreement between the customer and Chase requires Chase to share with the customer the records/documents it uncovers and has from its investigation. Chase has failed and refused to share anything in that regard at all, despite repeated requests for months. Chase in fact refuses and fails to communicate with our efforts- by fax, by email and phone. The person supposedly handling this is someone at Chase Executive named XXXX - their Case # XXXX XXXX, her phone XXXX ) XXXX XXXX ext XXXX. Email : XXXX. She appears to be a phantom or engaged in intentional stonewalling. To make matters worse, Chase claims the account was changed to non-paper, at some point, then changed back. Chase does not reveal who made these alleged changes- it was not the customer. Finding out who engaged in that subterfuge let alone who stole the funds is vital of course but Chase refuses and fails to communicate at all with my offices or that of my colleague. Does this mean Chase has knowledge that it was one of their own who aided and abetted this theft of over {$140000.00} from the senior citizen 's account? Please help us get to the bottom of this by making sure Chase follows its own terms and conditions and shows us the records that purport to demonstrate someone changed the account from paper to paperless, and then back, and what Chase has found as to who did this dastardly criminal deed. It transpired under Chase 's nose from XX/XX/XXXX through XX/XX/XXXX. Chase is stiff arming its own customer. On your web site, folks at CFPB, there are other matters similar to this, and time and time again people complain about Chase refusing to communicate. This is clearly a pattern by Chase. Let 's have it end here, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I got an alert today about a collection owed to vance & Huffman llc for XXXX $ it was previously owed by XXXX XXXX a leasing agency located in XXXX. How is this posible when I live in XXXX Texas my whole life? Ive never been to XXXX in my life. This has to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: VA

Complaint narrative:
On or around XXXX XXXX I contacted Experian regarding their reporting of the XXXX XXXX XXXX account. Pursuant to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Experian is not respecting my right to privacy. Experian continues to report information that is excluded from my consumer report. On XX/XX/2023 Experian alleges the investigation is complete and my report was updated however I do not see any update to the report. I hereby request Experian to provide me a description of the procedure used to determine the accuracy and completeness of the information being reported by the furnisher. This description shall include and not be limited to the business name and address of any furnisher of the information contacted in connection with such information and the person whom they talked to along with the contact phone number of the individual. 
I have attached supporting documentation that shows XXXX XXXX XXXX states they are required by law to report my experiences and transactions with them however my contract shows NOTHING about reporting late payments to the credit reporting agencies. I have pointed that matter of fact out to Experian yet they are still " verifing '' the information as accurate. 
I never consented nor gave permission and was never afforded an opportunity to opt out to XXXX XXXX Services sharing my information with the credit reporting agencies. 
With evidence attached how can Experian lawfully continue to violate my consumer rights?

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 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Account opened on XX/XX/2021 for {$470.00}. I reached out and to American Eagle [ Synchrony Bank ] about an account opened in my name. I never applied for this credit card. This a fraudulent account. 

In Accordance with fair credit reporting Synchrony Bank has violated my rights.

1. 15 U.S. Code 1681 Section 602A States : I have a right to privacy.

2. 15 U.S. Code 1681 Section 602A States : A consumer reporting agency can not furnish a account without written instruction

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 2023-01-25 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: TX

Complaint narrative:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-01-25 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: TX

Complaint narrative:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In XXXX I sold my house located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
The mortgage bank was Select Portfolio Servicing, Inc ( SPS ), Account Number XXXX. My mortgage has an escrow account with a balance of {$1100.00} to my favor. SPS made a mistake and sent the check to the address of the house that I sold at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, instead of sending the check to the forwarding address on file. For this mistake, I did not receive the check. I called several times SPS during XXXX and XXXX asking for my check. On XX/XX/XXXX SPS sent me a letter saying that they were in the process of reissuing the check. Several months passed and I did not receive the payment. On XX/XX/XXXX I called SPS again and they said that they will mail check in the next 30 days. On XX/XX/XXXX I called SPS again and they repeated the same thing, that they were going to send check in the next 30 days. It is XX/XX/XXXX and I have not received the check. It is simply unacceptable that after 26 months I have not received my money from the escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a charge off with XXXX XXXX for {$150.00} and one with XXXX XXXX for {$950.00} across all three credit bureaus. This car was declared as flooded and totaled by my insurance company and fully paid of for over $ XXXX I was only responsible for $ XXXX of the leased amount. I have reached out many times to ask these two companies why this is a charge off on my credit report I never received a 1099C to claim this on my tax. Can you please help to get removed I exhausted all my other options already with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nathan & Nathan, P.C.
State: TN

Complaint narrative:
see attached

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: FL

Complaint narrative:
Issue : I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. 



Mohela is denying my PSLF application due to my employer not answering questions XXXX in Section XXXX confirming the organization type. The applicable questions in Section XXXX questions XXXX were completed on the application that was sent to Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC
State: GA

Complaint narrative:
On XX/XX/2022, Consumer sent NATIONWIDE RECOVERY SERVICES an intent to sue letter for violations of the FDCPA and debt parking. NATIONWIDE RECOVERY SERVICES refused to accept my mail yet they willfully and intentionally continue to violate my privacy.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-25 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: NJ

Complaint narrative:
I spoke with a representative and told them I did not approve an inquiry and withdrew my application. I don't know if I will need to file a lawsuit in reference to this matter. It showed that I had an excellent score of XXXX prior to the inquiry. Now my score has dropped. I take this very seriously. I did not want this company to pull my credit report. I specifically spoke to a representative and told them this information. They said you can contact them to confirm the application has been withdrawn. I withdrew it almost immediately. The credit application ID # is XXXX with XXXX XXXX XXXX. It appears as the following on Equifax 's website/report. XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023. Also, I noticed several other duplicate inquiries from the same company multiple times on my report. I never applied for a XXXX credit card. So why is this on my report several times? I can have an attorney file a complaint in court if needed. I know what inquiries I authorized, and these are not any of them. XXXX XXXX XXXX Address Date of inquiry XXXXXXXX XXXX  XXXX XXXX XXXX, IL XXXX XX/XX/2023. There are many other suspicious inquiries on the report which I will also file a lawsuit about/against if needed. This is very suspicious, and they need to remove this false information or possibly go to court about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
This item on my credit is fraudulent. Never sign any contract with this company for any purposes. Also the address this institution has for me on file I never resided at. I've contacted this company many times and had no success. I'm trying to move on with my life and this institution is holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I submitted a consumer dispute with Experian and they refused to conduct the investigation and send me the results it has been almost 60 days no response i tried to obtain a new credit report to see if the disputes were taken care off and they refused me access to my annual credit report because i didnt know the tag # to my car so now i would like to submit since the disputes took 60 days

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 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capitalone claims your automaticly eligible for credit line increase in all little as 6 months. That's not at all how Capitalone works. 
Also for secured card there is no way to put my own cash on card to increase my limit myself. 
These two claims are on most ad for there services tied to that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One XXXX card 's statement closed on XX/XX/2022 in the amount of XXXX was due on XX/XX/XXXX. 
They charged an interest fee of {$25.00} on XX/XX/XXXX. 
I paid XXXX days late : {$1300.00} on XX/XX/XXXX. 
They also assessed {$35.00} in interest fees on XX/XX/XXXX. 

Next statement closed on XX/XX/2022 in the amount of XXXX ( includes late charge fee as well as the interest fee mentioned above ). 
I made the full payment amount on XX/XX/XXXX. 

They charged me another {$20.00} in interest charges on XX/XX/XXXX, even though I had paid my statement in full. 

I called and complained about it, they told me there was nothing they could do and that they would charge interest for XXXX months. I then asked to close my account, and I had XXXX in outstanding balance. When they gave me my quote, they said I had to pay {$1600.00} to close out my account. This means they are charging me interest again this month. 

How is it possible that they made over {$60.00} in interest charges because someone was XXXX days late for a less than $ XXXX outstanding balance? These are predatory charges. I pay $ XXXX in interest charges on my mortgage which is close to XXXX in principal. Of course I get it that those are XXXX different financial products, but this should be illegal, especially because I did pay for my balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: MI

Complaint narrative:
The debt collector ; True Accord XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX States that I owe a debt dollar amount for a Credit Card Bill I never signed any contract to make any payments or anything agreement with TRUE ACCORD This is a debt that needs to be removed immediately from my credit report due to failure to provide hard evidence that I owe True Accord for a debt that I never authorized to use my personal information its illegal.

Company response to consumer: Closed with explanation