vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Five payments totaling {$1800.00} have been sent from my Chase checking account to XXXX XXXX XXXX for payment on my XXXX  using my XXXX  account # instead of the XXXX Account #. The electronic bill payments were never posted to XXXX. I have provided the Proof of Payment printouts to XXXX. XXXX states they must have a 15 digit Trace No. in order to track receipt of the payments. Chase said there is no Trace No. or paper check available. I have disputed this with Chase, to no avail. I have conferenced called with both XXXX and Chase. I have late charges and late payments as a result. I can not produce to XXXX a Trace No. that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Westlake Services, LLC
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any reason

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 2022-08-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 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 2022-08-26 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: TX

Complaint narrative:
Experian is a total fraudster. Ive got 42 hard inquiries of which 41 are ludicrous companies ive never done business with. If you take a look at my XXXX  or XXXX you'll see none of those inquiries...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called experian and spoke to a representative on XX/XX/2022 and I had multiple unauthorized inquiries on my report and fair credit reporting act requires all unverified and unauthorized items must be removed from my credit report and the customer service department did not help remove the negative inquiries that are reporting on my credit report. The inquiries were : 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 and 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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA

Complaint narrative:
I have paid my mortgage to Lakeview since XXXX of XXXX yet the have failed to report my loan to the credit bureau. I have a XXXX of all my payments ( none late ) yet I can not get them to report to any of the 3 bureaus. This means I can not refinance because other lenders can not see my loan. They basically have me 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 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My name is XXXX XXXX, I have an account on Capital one Bank that has been froze since XXXX XXXX I deposited two checks from my business customers which is XXXX and XXXX auto insurance. 
They froze the two checks cause it was not written under my name. 
I spoke to them since XXXX they said it took only 90 days to process this investigation however it is over 90 days now and they said they need that hold harmless letter or woe ( without entry ) However I spoke with the insurances they dont issue it. 

This week i called capital one bank and they verified it is the bank of XXXX and allstate that will issue the hold harmless letter or woe. 

My concern to this matter because CAPITAL ONE BANK INVESTIGATOR is not making any actions to speak with the XXXX and XXXX. It is me who keeps on calling the insurances XXXX and XXXX didnt receive any calls from CAPITAL ONE BANK INVESTIGATOR. 
But CAPITAL ONE BANK said to me they send a required documents to XXXX and XXXX since XXXX XXXX.however XXXX and XXXX DID NOT receive anything from them since XX/XX/2022. 

On XX/XX/2022. Capital one bank said they will try to reach on me with the name investigator XXXX however she didnt call. 
This investigator is not doing any actions to our account to be solve right away since XXXX. 
This is my second time attempt to complain cause this Investigator is not doing any actions. The investigator is not even calling us to update the process they are doing. 
This investigator needs to reach on me and talk to me via phone atleast. 

Hope this complain will be solve asap. I have so many bills to pay just like you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Somebody put a kohls card in my name that wasnt me and had my information at the time and I am just now learning about this credit card fee

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase detected fraud actions in my checking account via my debit card. 

Over {$1000.00} has been stolen from my account via fraudulent action. I contacted Chase and opened many claims regarding all the unauthorized charges. Chase told me is going to take over 10 business days for me to get a refund. In the meantime, I have bills to pay. 

As a consumer, I feel violated, because Chase should have protected my account- it is not my fault that someone was able to clone my card and fraudulently use it. 

The fact that I need to wait 10 BUSINESS days to get my cash back is absurd. It's like rewarding the culprit and punishing the client. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I applied for mortgage forbearance and was approved on XXXX XXXX it was explained to me that any missed payment while under forbearance will be continued to the tail of my mortgage. The forbearance ended and now I would like to continue my monthly payments as agreed. The mortgage company ( nationstar now Mr Cooper ) said that I must accept a loan modification instead and or paying a lump sum of all the missed payments while on forbearance. ( About $ XXXX ) It was explained to me yesterday that those are the only 2 options I have. And that what any agreements about attaching the missed months to the end of the loan is not doable. 

The loan modification effectively increases my total mortgage over $ XXXX with instantaneous profit for Mr Cooper of $ XXXX, whether or not my loan is sold in the future. I can not any advantage to taking a loan modification when that is not what I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Someone has used my social security to open two accounts with XXXX XXXX in XXXX and as a result one of the accounts has been sent to collection. This account is currently affecting my credit. a police report for identity theft has been filed. 
Please see info below XXXX XXXX XXXX # XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Transworld Systems collection company. Amount in collection {$370.00} account was opened in XXXX and closed in XXXX XXXX XXXX XXXX # XXXX address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX amount {$1100.00} account opened in XXXX and closed in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
My loan servicer, AES, failed to notify me that I could consolidate my FFEL loans and be eligible for the CARES ACT interest and payment pause. In 2020, when I asked them if I could be eligible for CARES ACT pause, I was told no. I was not given any information on the potential benefits of consolidation or even informed that was an option. It was not until recently, towards the end of the pause period that I learned, through my own research, that I could benefit from this. I feel like AES had a duty to make a glaringly obvious notification to inform their clients about possible benefits of Direct consolidation during the pandemic. Instead, they were shady and withheld this information for their own gain. I continued making my full monthly payments, throughout the pandemic, while a struggling new mom working as an XXXX XXXX with a reduced paycheck. Had I been properly informed of my ability to consolidate and pause my payments and pause my interest, I would be in a much better situation financially. My student loan obligation during the pandemic caused undue financial burden for my family and contributed to severe stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: National Financial LLC
State: NJ

Complaint narrative:
I have a payday loan which I was paying weekly. I had issues paying it which led to issues with my bank account. I called and made a one time payment on a new debit card. I never agreed to or signed any paperwork stating that this card could be used for automatic withdrawls. Yesterday morning the payday company charged a {$50.00} payment without my consent. A phone call to a XXXX XXXX on their " legal dept '' got me nowhere. He had a condescending attitude & his only solution was to not to use my card. I want my money returned to that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: MD

Complaint narrative:
I have asked the credit bureaus to do XXXX  review of my credit report, they did but i have found improper even after they did. but i did research and found improper even after they did the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 15.u.sc 1681 section 602A section 2 : it also states a consumer reporting agency can not furnish an account without my writing instructions.

this what is being don't to consumers is not fair and should not be allowed, there need to ne some changes, i am hoping this helps understand my situation and these account gets removed from my records for never to return.

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 2022-08-26 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: MD

Complaint narrative:
I have asked the credit bureaus to do XXXX review of my credit report, they did but i have found improper even after they did. but i did research and found improper even after they did the XXXX research. Account XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 15.u.sc 1681 section 602A section 2 : it also states a consumer reporting agency can not furnish an account without my writing instructions.

this what is being don't to consumers is not fair and should not be allowed, there need to ne some changes, i am hoping this helps understand my situation and these account gets removed from my records for never to return.

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 2022-08-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not ever sign up for a XXXX contract. Nor did I ever consent to an account to be open in my name

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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have paid my mortgage to XXXX since XXXX of XXXX yet the have failed to report my loan to the credit bureau. I have a pdf. of all my payments ( none late ) yet I can not get them to report to any of the 3 bureaus. This means I can not refinance because other lenders can not see my loan. They basically have me 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 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
the accounts/ inquires cant be verified and need to removed from report 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 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 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This complaint is related to complaint number XXXX with your agency. I am requesting every single banking fee refunded to my account from TD Bank with interest at the usury rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
First had issue with original debtor. The hospital where the procedure took place. Tried to dispute with them but they failed to contact me. Within a months time and several attempts by me to contact them they had forwarded my account to a debt collector. Finally when we did connect they could not help me as the debt was already turned over to collection agency. I have all corresponding emails and letters that I have sent. 

First collection agency stopped as I had instructed that I was in dispute of debt. The second agency continually tried to call me. I sent a dispute letter trying to resolve the issue but to no avail. I have requested from them if they are licensed or bonded which is required in the State of Texas and have not received confirmation of this. 

Looked them up on the Texas Secretary of State web site and find them not legally allowed to do business in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts : 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.

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 2022-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Money theft that happened now does demonstrate that it was planed and initiated by at first restricting my access to my money since XX/XX/XXXX and now did happen factually. The email from Goldman Sachs arrived today 's morning with confirmation of my account closure and nothing about my money ( attached ), while I never regain access to my money back. Since XXXX, I called Marcus to find out why I can not access my account and what happened to my transfers from XXXX after I have seen them pending? Marcus representatives all like one were claiming that they are unable to remove the Marcus restrictions off and all like one promised that supervisor is not available at that moment and will call me back. I never got a call from any supervisor. Bank claims for false restrictions continued to hold my money to Marcus, while I wanted to move my money to a different bank and now finalized by Marcus Goldman Sachs by total theft. Now it is clear that criminal attempts to steal the money was a goal of Marcus Goldman Sachs. Marcus Goldman Sachs account was procedurally connected by direct deposit with XXXX account that is checking account with XXXX XXXX. That account was successfully confirmed between Goldman Sachs and XXXX checking with XXXX XXXX. ( Two attachments with two deposits from Goldman Sachs are included. ) Goldman Sachs are boldly lied that it was not confirmed while it was confirmed on XX/XX/XXXX. Numerous checks were deposited to Marcus Goldman Sachs through the mail as they claimed that they do not accept electronic deposits, but checks by mail only. Just right now I understand that I became a victim under Title 42 U.S. Section XXXX Civil Action for Deprivation of Rights and additional crime for egregious money theft.

Company response to consumer: Closed with explanation