vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I tried to open an acct online and I have to agree to this term ( which I do not agree nor want ) Consumer Report Authorization By choosing " Next, '' you authorize us to obtain consumer reports that we may use when considering your application ( your credit score will not be impacted ). You also authorize us to obtain subsequent consumer reports and any other information about you in connection with 1 ) the administration, review or collection of your account and 2 ) offers of enhanced or additional products and services or for other legitimate purposes associated with your account.

Check this box if your information is correct.

I didn't check the box because I will not like my credit to be pull now or ever unless I am looking for lending products. I called the office in XXXXXXXX XXXX and I was told even if I come to an office, they can't bypass the option. not quite sure why and why is it necessary to just open a checking and savings ( not even debit card since I do not want one either ). I will like someone to look into this and see why is it necessary if i am not getting a lending product and even if I decide on a lending product why would they do subsequence pulls of my credit? 

Please help me figure this out since the employees do not seem to have an answer or way to bypass. 

thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Someone has been trying to apply for credit using my name. The following Credit Inquiries are NOT mine nor did I ever consent or authorize any of these companies to pull my credit. Please investigate this issue and send me the results and IMMEDIATEDLY remove form my credit reports : 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 explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE PREVIOUSLY DISPUTED ACCOUNTS THAT WERE OPENED FRAUDULENTLY DUE TO ME BEING A VICTIM OF IDENTITY THEFT. THIS COMPANY HAS IGNORED MY REQUESTS, ALTHOUGH I HAVE PROVIDED PROOF OF IDENTITY, A POLICE REPORT, A FTC REPORT, AND FILED A CFPB COMPLAINT PREVIOUSLY. I HAVE SINCE FILED AND WON A LITIGATION AGAINST TRANSUNION FOR THEIR MALICIOUS TACTICS NEGATIVELY IMPACTING MY LIFE. SINCE THEN, THEY HAVE REMOVED ONLY A SELECT FEW OF THE ACCOUNTS OPENED WITHOUT MY PERMISSION, BUT HAVE LEFT THE INQUIRES THAT FOLLOWED. I HAVE REACHED OUT TO TRANSUNION MULTIPLE TIMES AND EXPLAINED THAT THEY HAVE BROKEN THE LAW BY DOING SO ; FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. TODAY XX/XX/23 I SPOKE TO XXXX XXXX AND SHE TOLD ME THAT THEY HAVE PREVIOUSLY REACHED OUT TO THE COMPANIES IN QUESTION AND THAT TRANSUNION DOESN'T DELETE INQUIRIES WHICH IS A LIE BECAUSE THEY HAVE DONE SO IN THE PAST. THE FCRA STATES THAT NO ITEM CAN BE REPORTED ON MY CONSUMER REPORT WITHOUT VALIDATION/ MY PERMISSION. SO THAT IS ALSO A VIOLATION OF MY RIGHT TO PRIVACY. I HAVE NO CONTRACTS WITH XXXX XXXX OR XXXX XXXX XXXX. I HAVE REACHED OUT TO BOTH COMPANIES AND REQUESTED A WET SIGNATURE OR ANY PROOF COLLECTED TO VERIFY IT WAS ME WHO REQUESTED TO OPEN AN ACCOUNT WITH THEM. THEY HAVE NOT BEEN ABLE TO PROVIDE ANYTHING, SO WHAT INVESTIGATION IS BEING DONE BY TRANSUNION IF THEY COMPANIES THEMSELVES HAVE STATED THAT THEY DO NOT HAVE ANY PROOF? I SENT ANOTHER FTC, POLICE REPORT AND A LETTER TO TRANSUNION ON XX/XX/23. ON XX/XX/23 I RECEIVED A LETTER IN THE MAIL STATING THAT MY FTC REPORT WAS " NOT VALID '' BECAUSE OF MISSING INFORMATION, WHICH IT WASNT. TWO OF THE FOUR DISPUTED ITEMS WERE REMOVED FROM THAT SAME FTC REPORT SO HOW COULD IT BE " MISSING INFORMATION ''?

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 2023-12-15 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 am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-12-15 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a follow-up to complaint XXXX I was charged interest on a 0 % APR balance. 

Citibank claimed they had reverted the original issue and to my surprise, and as I suspected, they did charge interest. 

Dealing with Citibank is one of the worst customer experience I have ever received.

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 monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am never late, but they are mistakenly reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
There have been 5 escrow analysis done on my account without informing me. There was a payment made from Texas HAF in XX/XX/2023 and the money was not distributed correctly and it still has not been resolved. My mortgage payments are not going towards my principal/interest/escrow consistently and instead, payments have been made towards my 2nd loan ( down payment assistance ) on my FHA loan.

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 2023-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I RECEIVED A CLAIM FOR PAYMENT FOREBARANCE UNTIL XXXX AND I REQUESTED TO REQUESTED TO DO A MODIFICATION TO PREVENT MY ACCOUNT FROM GOING 30 PLUS DAYS DELINQUENT ON MY CREDIT AS I'M IN THE PROCESS OF GETTING A GOVERNMENT JOB WHICH I CAN NOT BE DELINQUENT ON MY BILLS. I WAS PROACTIVE AND MADE SURE TO GET THE DOCUMENTS BACK IN TIME AND NEW AMERICAN REPORTED MY ACCOUNT FOR 120 DAYS PAST DUE AFTER I SUBMITTED THE LOAN MODIFICATION DOCUMENTS. THEY DID NOT CALL OR SEND ME ANY ADDITIONAL NOTIFICATION THAT IT WAS GOING TO BE REPORT OR IT WAS MISSING A SIGNATURE. I WOULD LIKE THE PAST DUE DELINQUENCY REMOVED AND UPDATED AND THIS IS THE SAME THING THAT HAPPENED MY PARTIAL CLAIM BACK IN XXXX. XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MN

Complaint narrative:
XX/XX/2023 I mailed two checks for {$17.00} and {$50.00} each. However, Chime 's check-issuing institution, which is apparently XXXX XXXX XXXX , submitted the checks in duplicate. I was charged a duplicate check fee by my landlord, XXXX XXXX. 

I paid the duplicate check fee online. I paid the fee right away online with an online payment fee of {$.00}. 

I have requested a rembursement for {$10.00} to cover the cost of the error on the part of Chime 's check issuer. I've gotten some email replied but none actually resolving the issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I got my tax check deposit into my Venmo account I tried to withdraw some of my money it wouldnt let me I submitted all docs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Selene Finance was called XXXX XX/XX/XXXX @ XXXX Spoke to XXXX Who ensured me that Property Insurance for XXXX XXXX was being supplied by Selene. I stated to XXXX that I have been paying Insurance for the property, which is in my name since XXXX. Selene has verified my active insurance on the property 3 times. And I have received letter notice from my insurance company of their verification/ wanting to be added to my insurance. XXXX stated that there was no update in the system to remove insurance fees supplied by Selene. XXXX transferred me to Insurance Dept. I spoke to XXXX who asked to speak with XXXX XXXX. I stated to XXXX that XXXX XXXX is deceased and all her information has been in system going on 3 years now. XXXX stated there was no information in her system for XXXX XXXX that she would have to transfer me back to customer service to resubmit 2 years of information of XXXX XXXX. I got transferred back, was on hold for 10 minutes, then the call drops. 

I have an active HAF application pending. Selene is charging me foreclosure related fees that are affecting my eligibility for HAF funding while under HAF State Protection Law. Model Language prohibits Selene from proceeding with any foreclosure activity for 60days after receiving notice from the State when HAF Administers that I am conditionally eligible for HAF and have a pending application. 

Selene stated to HAF Underwriters that the reinstatement balance is {$76000.00} ( Attorney Fees included )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: Maximus Federal Services, Inc.
State: WV

Complaint narrative:
I do not remember the exact dates, but what happened is : As Aidvantage took over my student loans, they told me my payment was going to be {$170.00} a month. I paid that original amount, then asked to switch to SAVE. I was told the monthly payment would be {$55.00}. The following month, Aidvantage showed that I would owe over {$800.00} that month and every month following. I chatted back in and they said they would resubmit the calculations and again stated {$55.00}, my account was put into forbearance ( still accruing interest of course ), I checked back in a week or two and my payment was still over {$200.00}. 

I began to chat back in to get this taken care of, but the chat service showed that the agents were disconnecting the chat as soon as it was answered. This continued on until the end of their business day. 

I chatted in again today and they confirmed the payment should only be {$55.00}. They said they confirm that that number is correct, but will send up a request for investigation/research on why this issue continues to happen. For now, I am stuck paying {$230.00} auto-debit because they can't seem to get this right. 

Being unable to reach anyone consistently, seeing large balances, especially {$800.00} balances, is very draining.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: IN

Complaint narrative:
I have attached a report about my unauthorized inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have attached a report about my unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-12-15 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: NY

Complaint narrative:
Application to decreased the amount due per month to reduce the monthly payments as well as recertification to be continued in the PSLF program with my current employer at a not for profit with verification as requested by loan servicer, MOHELA. 


XX/XX/XXXXXXXX  : Application for PSLF was initiated. 

XX/XX/XXXXXXXX  : Income Driven Repayment [ IDR ] Application submitted on student.aid.gov website. 
IDR monthly amount was projected at XXXX on the Income-Contingent Repayment Plan. 

XX/XX/XXXXXXXX  : PSLF reapproved on Federal Student Aid website XX/XX/XXXXXXXX  : PSLF acknowledged by MOHELA XX/XX/XXXXXXXX  Federal Aid website states the application was reviewed and processed. 


XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  Administrative hold was placed on account. 

XX/XX/XXXXXXXX  No solution after a phone call to reach an understanding after 94 minutes on the phone with MOHELA. 

Application was still " pending " Customer service stated they were processing applications submitted in XXXX. 
My application was submitted in XXXX and there was no reason to be determined as why it was not approved and the status of the application. 

XX/XX/XXXX Second request to switch to IDR submitted on the Federal Student Aid website. The amount projected remained the same at XXXX XX/XX/XXXXXXXX  Direct withdrawal for payment was completed by Mohela from checking account No updates were able to be given by loan servicer. Next payment is due XX/XX/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 2023-12-15 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
on XX/XX/, I file a petition for XXXX  XXXX Bankruptcy in the northern district of Illinois case # XXXX in the petition TD AUTO account # XXXXincluded I have disputed with XXXX more than 4 times, and I was informed by XXXX that this account was verified as accurate showing a balance of past due of {$72000.00} for the last 8 months and reporting as a Charge off. both XXXX  and TD Auto are in violation of the Fair Credit Reporting Act XXXX  for fail to conduct a proper investigation under XXXX XXXX XXXX ( I ) ( A ) and TD AUTO for Violation of 15 USC 1581 ( S ) ( 2 ) B please see all the Exhibits and documentation that supports my facts, also I have informed XXXX XXXX XXXX of my disputes and no answer. I was discharged on XX/XX/2023 from the Bankruptcy. Court with the order of Discharge. And now I am asking the CFPB for help my Comsumer rights are being violated by TD AUTO & XXXX as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I was trying to buy clothes from a seller through XXXX and asked if I had XXXX to contact her on. The cost of my sell would be {$60.00}. She/he said there would be a delivery fee of {$40.00}. I zelled she/he through my banking app through zelle. They havent given my {$100.00} back after I was requesting for it last night and this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My due date for my TJX credit card is the XXXX of every month. Since most of my bills are due on the XXXX, I requested a due date change to keep in line with my other bills. The change was requested on XX/XX/XXXX I believe. Prior to the change request, I was told the changes would take effect the next billing cycle which I understood to mean I would get my next bill XX/XX/XXXX ( the statement closing date is the XXXX of every month ). I continually checked my account looking for my XXXX statement, there wasn't one. I contacted the company asking why I didn't have a XXXX statement ( my current statement balance is over {$2400.00} ) and I was told my next bill won't be until XX/XX/XXXX! 

I advised that would make my statement balance too high for me to pay as I would have gone a whole month without a bill and this is my primary credit card. The representative advised me due to the change, I would not be receiving a bill until the change takes effect. I have almost always paid my statement balance in order to avoid paying interest and not having a bill for a whole month as this is my primary CC would mean I wouldn't be able to Pay the next statement balance. The company was not helpful.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

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 2023-12-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have attached a report about my unauthorized inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation