vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT

Complaint narrative:
USAA has the worst customer service. I could not get proof of insurance so I changed to XXXX. You call and wait on hold forever. I tried calling numerous times. They can't verify me since my phone changed to XXXX XXXX XXXX. I got an email today saying there was fraud on card. I tried calling in the morning. The automated syste. m would not verifty. I called again and got insurance. They transferred me to a XXXX who would not help. It is like the XXXX time trying to get in. XXXX them. They are hastle to deal with. They are a bunch of money grubing XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reach out to XXXX XXXX and Transunion in the year of XXXX this account is over the 7 year statue of limitation my last payment was XXXX of XXXX which the have updated this account but not remove this account I also sent letters to the creator with no response letters returned back to me

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 2024-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
About 7 months ago, I applied for a personal loan online at CreditFresh and I was approved for {$4200.00}. I also signed for payments to be taken directly from my checking account. As of today, I have made 7 payments of about {$600.00} a month totaling about {$4200.00}. When I called today to find out how much was left to pay off my loan, I was told that I have an outstanding balance of {$4800.00}. I was told that {$520.00} of the monthly payments I have been making go towards monthly billing cycle charges ( so I have paid a total of {$3600.00} in charges on a {$4200.00} loan ). And on top of all that, I still owe more than the amount that was borrowed originally. If this is not predatory lending, then I do not know what is!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: OR

Complaint narrative:
I contacted XXXX XXXX due to the fact that there were several non-mailable addresses, phone numbers emails, several different names that did not apply to me And ask them to remove them from my credit report, as well as ask them for the third-party agencies that shared this information and violated the privacy act of 1974 XXXX XXXXXXXX did remove them from my account but would not share the third-party agencies as to. I am eligible for compensation at {$1000.00} per violation from this company and I am looking for my compensation. There was XXXX items removed from my account that I am owed compensation for as well as the physical and emotional distress. This has caused me from being denied due to these items, being on my account and impacting me and many different ways! I am looking to report these companies and also collect compensation due to this. I believe I am owed XXXX for the XXXX items and another {$8000.00} for emotional and physical distress for a total of {$27000.00} from XXXX. They have violated these statues and rights and violations of privacy information and I Opd out of this! As well as reporting payment history which is illegal and charge offs which is a certificate of inedebtness and is reported as income and is not reportableXXXX XXXX Equifax, and XXXX have all violated these laws and I would like compensation for that as well {$1000.00} per violation I am counting over 40 violations on my credit report, as well as a physical and emotional distress due to not getting fair credit they are all guilty for violating the privacy act of 1974 and many other federal laws and they have over XXXX inquiries on each creditors report that are illegal a well! 


Rights violated - Privacy act of 1974 Ucc 1681 Ucc 1692 15 usc 6802 -6805 16cfr 313 16 car 433.2 & 3 15usc1692

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I contacted XXXX XXXX due to the fact that there were several non-mailable addresses, phone numbers emails, several different names that did not apply to me And ask them to remove them from my credit report, as well as ask them for the third-party agencies that shared this information and violated the privacy act of 1974 XXXX XXXX did remove them from my account but would not share the third-party agencies as to. I am eligible for compensation at {$1000.00} per violation from this company and I am looking for my compensation. There was XXXX items removed from my account that I am owed compensation for as well as the physical and emotional distress. This has caused me from being denied due to these items, being on my account and impacting me and many different ways! I am looking to report these companies and also collect compensation due to this. I believe I am owed XXXX for the XXXX items and another {$8000.00} for emotional and physical distress for a total of {$27000.00} from XXXX. They have violated these statues and rights and violations of privacy information and I Opd out of this! As well as reporting payment history which is illegal and charge offs which is a certificate of inedebtness and is reported as income and is not reportableXXXX XXXXXXXX, XXXX, and Experian have all violated these laws and I would like compensation for that as well {$1000.00} per violation I am counting over XXXX violations on my credit report, as well as a physical and emotional distress due to not getting fair credit they are all guilty for violating the privacy act of 1974 and many other federal laws and they have over XXXX inquiries on each creditors report that are illegal a well! 


Rights violated - Privacy act of 1974 Ucc 1681 Ucc 1692 15 usc 6802 -6805 16cfr 313 16 car 433.2 & 3 15usc1692

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 2024-02-13 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: IL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: CA

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Our mortgage was bought by PNC. Previous mortgage servicer was XXXX XXXX XXXX. Insurance for property is with XXXX and policy was renewed in XX/XX/XXXX. PNC bought out the mortgage XX/XX/XXXX and now is XX/XX/XXXX claiming we do not have insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: EA Holdings Corp.
State: IL

Complaint narrative:
XXXX years git an auto loan for a vehicle that had high mileage and agreed to a steady loan rate Give XXXX monthly or more depending on what they conceder late or due payment which is nit even every XXXX weeks Spoke to someone about getting paid Friday not Monday so they call Monday asking for a payment and mark payment late when I already spoke to a Manger about payment arrangements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must delete the listed account from my file. 
XXXX XXXXXXXX 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
About a month ago I had disputed ( 2 ) hard inquiries that were reporting on my Transunion account. Transunion had deleted those accounts accordingly. Now, one of those 2 deleted accounts has reappeared on my account. I have absolutely No connection with this company, no liabilities, debts, etc. 
I demand that Transunion delete the following account immediately! 
XXXX Inquiry XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX, SD ( 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I Received A Email From Experian Stating That This Fraudulent Account Remains i o i i request comprehensive insights into the investigation process concerning the account registered under the name and number XXXX XXXX ACCOUNT  NUMBER XXXX. 

Could you kindly furnish a thorough overview of the investigative steps undertaken, along with detailed findings and the rationale behind maintaining the current status of the account? 

I would greatly appreciate a comprehensive breakdown, encompassing any correspondence, verification procedures employed, and pertinent factors that influenced the outcome. 

Your prompt attention to this inquiry would be invaluable. Should there be any necessary documentation or further information required from my end, please do not hesitate to inform me.

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 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
This company Pressler , Felt & Warshaw , LLP file a lawsuit against my person supposedly representing another company stating a wrong amount for the debt and or stating a debt I do not own Pressler , Felt & Warshaw , LLP. 

Pressler , Felt & Warshaw , LLP had not send me any documentation to prove they have the right to collect this sum of money or to sued me. 

For my surprise I check on the web and realize that Pressler , Felt & Warshaw , LLP is know for bad practice in collecting debs and or suing people, also for false representing another company and that's why Pressler , Felt & Warshaw , LLP have many complains against them true the CFPB and the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX XXXX1st phone call to Chase customer service representatives. I have spoken with the representative who told me that my XXXX dollar deposit was flagged as fraudulent and my account put on restriction. I received an email as well saying that my account would be terminated if I did not take action. 

XX/XX/XXXX, 2nd phone call to chase where the representative told me that the writing on the check seemed like it was traced over thats why it was marked as fraudulent. The name of the issuer of the check needs to be associated with the business but is not coming up in his system. I asked if the writer of the check could be contacted or brought in person for verification and I was told they are not allowed to do that. 

XX/XX/XXXX, 3rd phone call to Chase representative where the representative I asked the representative about how they pull information to verify the issuer of the check as we have tried to update our business number on yellow pages, XXXX, to try and make sure anywhere it would come up would be associated with the writer of the check. The representative told me they are not allowed to tell me how or what system they use to pull the name and phone number from. 

Saturday XX/XX/XXXX, my fourth phone call to Chase. I spoke with a representative from Chase who told me she wanted to help me and that she noticed that they cashed two previous checks from the business and the writer of the check on hold already, so she was looking into why this one was flagged. She asked for the phone number of the issuer of the check and said we could call him and verify him. My boss was not able to come to the phone but she put in her notes that I would be calling the same day but between XXXX to try again and that we were allowed to reach out to the issuer of the check by phone for verification. 

Saturday XX/XX/XXXX, XXXX my fifth phone call to chase. I told the representative to review the notes and that I was told calling my boss would work for verification and he said we could do that. My boss picked up and they spoke, after about 10 minutes on hold, even after my boss hung up, he told me that it still was not acceptable for chase because his name was not coming up in their system. So back to square one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
On XX/XX/XXXX, I was talking to XXXX customer service, she said that I should consolidate my loans because I have been paying on them for over 20yrs and if I did consolidate that they would be possibly forgiven, expunged! So, I did. A few weeks later, without notice, either by email or paper, my loans were transferred to mohela without me knowing. I also have been working for non-profit since XX/XX/XXXX, and I started application for PSLF because I'm so tired of paying on these loans forever, I'm just looking for any kind of forgiveness, and also I don't know if applying to multiple programs will kick me out from one or all, all this is confusing. I just know that my loans are being mishandled and need you help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
You have plenty of complaints previous to one and can use that as reference. They continue to demand payment that isn't due and payable until after the principle has been paid, and you can look up the law that allows it. 

Also it looks like they are now wanting to foreclose so it's an even bigger issue now and they need to have all licenses revoked and charges of fraud started

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to demand the immediate removal of a fraudulent account from my credit report. Upon reviewing my credit report, I discovered an account that is the result of identity theft and fraudulent activity XXXX XXXX XXXX, XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover credit card company refused to take there company off my credit report. I dispute this account more then once. This discovery credit card is affecting my credit score from buying a home. Discover credit card said this is. My account and this account isn't mine it was open fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS sent me a bill for over {$2700.00}, They said the bill was XXXX. I told them I never had a credit limit close to {$1000.00}. I have repeatedly asked for a printout of charges. They only sent me a bill. Never have they sent me a list of the charges they claim I incurred. Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal 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 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 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 a 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 adverse items of information, other than records of convictions of crime which antedates 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 non-monetary relief