vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights under 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 Under 15 USC 's 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank, the issuer of Sam 's Club credit cards, has a rewards cash back program for using their card. We receive monthly cash back for using the card on/or around the XXXX of each month, according to Synchrony, and reviewing our past transactions. 
In XX/XX/2023, Synchrony is stating that {$41.00} was rewarded to us. I review records, and see that we are supposed to receive the amount of {$41.00}, but the funds have never shown up in our account. Somewhere between issuance, and delivery of the funds the money goes missing. After several attempts with Synchrony, including talking to management to resolve the issue, I receive letters stating that rewards have been distributed. We don't know where the rewards were sent, but they are not reflected in our account for XX/XX/2023. We are requesting we receive the rewards we are due per the agreement for using the credit card

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 2023-05-05 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: NJ

Complaint narrative:
I applied for Public Service Loan Forgiveness through the Temporary Expanded PSLF limited waiver after consolidating my current loans to fit the then temporary criteria for loan forgiveness. My application was approved and my Perkins loans consolidated under the new Consolidated loan. That was XX/XX/XXXX. I have had my counts towards loan forgiveness tracked and MOHELA shows 122 payments. I know that 120 payments qualifies me for the loan forgiveness, however I have reached out on 5 occasions asking the count be corrected as my total count should be around 187 total payments. MOHELA customer service staff do not seem to understand what I am asking them. I explained that I began paying loans back since before the PSLF program started and that my loans repaid since XX/XX/XXXX to my last verified employment for the PSLF should be counted. MOHELA continues to only count dates starting in XX/XX/XXXX to current date as my qualifying payments. That is partly incorrect. My qualifying payments have been since XX/XX/XXXX when the PSLF program began. I have overpaid by 5 years under the new temporary rules of the temporary PSLF program. I explained that I have been paying my loans back while working for this same qualified employer since XXXX. I would like my count to reflect the date starting in XXXX not XXXX. I have asked MOHELA to update several times. I sent proof from my old student loan lender XXXX showing my payment history. I have called MOHELA several times only to be told inaccurate statements. I told the customer service people to put me in touch with whom handles the count and they have no information on who handles count they say. They just keep saying the count is being reviewed but I don't see any changes nor has anyone been able to give me reassurance that my count will be adjusted. Though I have far exceeded the qualifying number for 120 payments I do push to have my total count be reflected accurately in the event that the Department of Education have the funding to credit and reimburse any overpayments that I have made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: IN

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because, according to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I use XXXX XXXX XXXX  located in XXXX MA XXXX. I was to receive {$6400.00} XXXX  transferred to me from XXXX. My bank uses PNC for international transfers. On XX/XX/XXXX  a transfer was made to PNC bank, however, I was not aware that the account information provided was incorrect, nd funds were never returned to sender. The transfer route was XXXX XXXX in XXXX, to XXXX XXXX  in XXXX, to PNC Bank. Due to the account error information, the funds never reached XXXX XXXX XXXX  and therefore myself. PNC never returned the funds. XXXX XXXX and XXXX XXXX  placed an inquiry and trace indicated funds successfully transferred to PNC. PNC has not responded to any XXXX XXXX  that was sent providing the correct information nor a request to pull funds back. I have caled my bank numerous times as well as PNC neither have been helpful. PNC will not look into it because I am not a customer and XXXX XXXX XXXX  states PNC will not communicate with them since their information was not provided in the transaction. The XXXX bank and XXXX bank are not able to do anything more than request funds returned, and they have stated they have not received any communication from PNC at all. XXXX  stated PNC received {$6400.00} XXXX  on XX/XX/2021 at XXXX. I did have some communication with PNC escalation group, who were also struggling to receive return communication from their wire department, but they stated they could not locate and there was nothing else they could do. The XXXX code was correct, however, I provided my own bank account number in the transfer, I did not include XXXX XXXX XXXX  information. Essentially, the transfer should have been made to PNC with XXXX XXXX XXXX  account ( since XXXXXXXX XXXX XXXX is PNC customer ), then my information as the final beneficiary. The funds should have been returned but were not. 

Return my funds so that it can be sent with the correct information to complete the transaction successfully. I have spent a lot of time and energy to get this resolved and I am not sure what else to do in this case. The money can't just disappear and it belongs to me not PNC. Awful business practice that they are not able to help me because I am not a customer. I also feel as though my personal bank, XXXX XXXX XXXX, was lacking to support me or assist me with this matter, especially since they are PNC 's customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: NJ

Complaint narrative:
I received a alert from XXXX XXXX that these to account XXXX XXXX XXXXXXXX & also XXXX XXXX XXXX was added to my report when I did not give authorization for them to do so nor is the debt mines! And they won't remove it an I would like for these to items be removed asap nor is the debt reporting the same major discrepancy!!

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 2023-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
My car was not reported by the finance company and I been going back and forth with them. But they refuse to contact any of the 3 bureaus and add my car. The company is Honda Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
A tree fell on my home XXXX of XXXX, I still am out of my home. The lender placed insurance has been negligent and I received no funds from them. This forced me to pay my storage, pod, and rent ( so, I wasn't homeless ). After getting an attorney a miracle happened and they sent more money. The hold was not removed from my bank account until a couple weeks ago. I was under a trial plan for 90 days. I made the first payment. I was calling to make 2 payments and they refused to take my money. The end of XXXX would have been 90 days. So, they should have taken my payment. 
So, now I get to fight again to get my home. I need to get a trial of 90 days started again with my mortgage. I'm very disgusted to say the least. The insurance company only sends XXXX at a time. At this rate, with my monthly expenses due to being out of my home. It's going to take forever. This is all a big waste of money that I guess they can write off??? I need another trial period of 90 days with my mortgage. 

It makes me ill just writing about this. I really need some help! PLEASE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There is a discrepancy of late payments shown on my credit report with Transunion. 

According to my credit report, my XXXX ( account no : XXXX ) was 60 days late : 30 days as of XX/XX/XXXX and 60 days as of XX/XX/XXXX. 

However, on the company 's website, I was never late. I actually paid off the balance in XX/XX/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 2023-05-05 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-05-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax beginning of XX/XX/2023 because I couldn't log on to my account. The rep on the phone told me that somehow there is a " split pin '' associated with my account, meaning someone else is also using my SSN. The rep said it's likely caused by a system error on Equifax 's end and not a fraud/identity theft, and they will escalate the case and have it resolved in 5 business days. I called after 5 business days, and this time the rep told me that they won't be able to fix the problem until I submit my SSN card, my utility, and my driver 's license information to them, which I did. It's been more than 2 weeks since I submitted my information, and no updates from them, and I continue to have problems logging into my Equifax account, and my credit application has been denied due to my Equifax credit report being frozen and I couldn't unfreeze it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
From the dates of XXXX I have over 20 unauthorized transactions from my chime account to a closed step.com account. Once I noticed all of the transactions I contacted chime and started my dispute I was told that since they were unauthorized the chime disputes department would be doing an investigation and I would be receiving my provisional credit within 10 business days. A couple days later dispute denied because no error was found and I reached out to support via email and told them that was wrong and that in fact an error did occur because I didnt make or authorize the transactions so support created a rebuttal and said that I can request the paperwork they used to reach the decision on my claim and again once the rebuttal has been filed I would be receiving my provisional credit within 10 days. Once again dispute denied and same thing again I reached out to support another rebuttal was filed and 20 days later after the initial denial I got the paperwork that was used to determine the denial. I found no evidence on that paperwork that would suggest that they did a proper investigation all the did was pull my transaction history well a more detailed transaction history nothing in said paperwork was from the merchant at all. Today XX/XX/2023 I was suppose to be getting my provisional credit and they wait until not only the 10 day but wait until after I call to ask them what time should I expect to receive the credit to send me an email stating they made a final decision and I can contact them to get the paperwork used to make that decision. I dont know what else to do or say to these folks to get my money back. I dont understand if I was told the system was processing my credit to my account why would they send me a email saying they are closing the dispute. I dont understand why they cant give me a fair investigation I have been with chime a very long time and havent ever had any problems until now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
15 USC 1681 SECTION 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my written consent! 

-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: NC

Complaint narrative:
15 USC 1681 SECTION 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my written consent! 

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 2023-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My wife and I purchased our first Florida home after moving to XXXX XXXX in XXXX of XXXX. We originally used XXXX XXXX XXXX XXXX XXXX XXXX as our mortgage lender. We qualified for a fixed rate conventional mortgage with a principal balance of {$260000.00} at an interest rate of 3.5 %. The total fixed rate payment was {$1400.00} per month. This included {$1100.00} in principal and interest, {$100.00} in estimated taxes, and {$110.00} in hazard insurance. As soon as we closed our loan was sold to Mr. Cooper. Our first payment to them was in XXXX of XXXX. The payment amount and due date remained the same during the initial transition. In XXXX of XXXX we were informed that we had an escrow shortage and that our payment would be increasing. It increased effective XX/XX/XXXX ( date of first payment at this amount ) to a whopping {$1900.00} ( a XXXX XXXX increase ). I have NEVER known a fixed rate mortgage to increase by such an astronomical number. As a result of this absurd increase our funds have run low. We were barely able to pay the payment that we agreed upon when we purchased the residence, never mind their increase. We feel like this is a direct violation of RESPA and very unprofessional as most people in today 's society can not handle such an increase without extreme financial hardship. That is what my wife and I are facing now. We really need your assistance with this matter at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
A XXXX XXXX continues to call my place of employment which has caused me embarrassment and problems at work. I can not receive collection calls at my work XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent certified letters to XXXX and Equifax requesting that the unknown inquiry be remove or verify thats on my credit report both credit bureau are stating that they didnt receive my certified letters my United States postal service nor did they make any attempt to verify or validate the inquiries on my credit that being reported on their behalf. I also sent the same letters to XXXX, they recently been removed from my credit report as of today due to the lack of information provided by the creditors that requested the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights under 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 Under 15 USC 's 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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