vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 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: FL

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 other adverse item of information, other than records of convictions of crimes 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
Consumer complaint received 2023-09-15 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: FL

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX5 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 other adverse item of information, other than records of convictions of crimes 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My name is XXXX XXXX, me and my husband XXXX XXXX bank with Navy Federal. My husband has been incarcerated for over 18 months, I am his legal POA while he is in there for the next couple years. Our joint account has some kind of security block on it, not allowing us to withdraw funds. I have provided them with the POA as requested and as stated by XXXX of the supervisors I spoke with once the POA was accepted I would be able to speak to the security department since I am his POA. I submitted the POA on XX/XX/2023 and called to check on the status on XXXX XXXX and was told my POA was denied and told my husband would have to call in. I reiterated his situation to them and told them he can not be on the phone all day, he only gets XXXX minute calls whenever they are allowed rec time. We called today XX/XX/XXXX my husband was on the line verified his identify with the Representative and we were transferred to the Security Department. We were told the wait time was XXXX minutes, we were on hold for almost XXXX hours and finally got a Rep when I asked her to give me a second to get my husband back on, she hung up on me. I called again and waited the same amount of time and hung up on again. I called back to express my frustrations and was met with the same hogwash, that I can not speak to the XXXX department even though I am legally my husbands representation. This bank 's employees and supervisors have told me XXXX thing then tell me thats not true, I do not appreciate being lied to and laughed at as I'm in tears frustrated trying to get access to our families livelihood. My husband is a XXXX XXXX XXXX who unfortunately found himself in an unforunate situation, which is already hard on our family then to add this bank making me jump through hoops for nothing when I am my husband 's POA, they can have the POA paperwork to verify it is valid. I am extremely frustrated at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I was on the private XXXX page of people who sell tickets. This guy called XXXX XXXX showed up offering the ticket I was looking for. He asked me for a deposit and I transferred the amount of {$50.00} to him, he asked me for my full name to transfer the ticket. He appeared to be a normal person on XXXX, as he has a photo with his wife and son. After transferring the deposit through zelle, he blocked me and did not transfer the ticket to me. I called my bank to let them know and they said they can't do anything. I have prints of the conversations. I already filed a report on the FBI website. The bank can find out who this person is, because they can get his information through zelle. This person can be dangerous, because he is using pictures of a woman and a child.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: NY

Complaint narrative:
In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

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 2023-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OR

Complaint narrative:
Ive had a car loan through Santander Consumer USA since XXXX of XXXX. About XXXX weeks before the XXXX lockdown. Ive had issues this year with them saying XXXX behind on payments. I asked for a 2 month extension for the months of XXXX and XXXX of XXXX. I did get behind on my payments in XXXX and XXXX of this year. But Im caught up through XXXX and they say Im 49 days past due. The only payment I should be behind on right now is XXXX. They always post the next payment due before the actual due date of the XXXX of every month. My payment is just under {$400.00} per month. As of today with interest and late fees I owe {$810.00}. Thats for XXXX and XXXX. I called today and they wont hear me out or fix the problem. They just say it 49 days past due and thats what I owe. They say with XXXX I owe $ XXXX but my account doesnt reflect that. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
My bank, XXXX, sent back several credit card payments in the XXXX of XX/XX/2023. I had money in my bank account to cover the, but XXXX kept reporting and charging me overdraft fees and sending payments back when there were deposits processing that would of meant my balance was more than high enough to cover the out going ACHs. I tried to have Discover remove the 30 day late from my credit report and they told me no. I submitted disputes through my credit reports, and they were also sent back with no resolution. I've had my Discover card for over XXXX years and have never missed or been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My father passed away XX/XX/XXXX. His wife spoke to Bank of America and they confirmed my father XXXX XXXX was the sole borrower and had two authorized users. Around XX/XX/XXXX I received a collection call attempting to have me pay the card. They advised that in their system I am the lone account holder and am financially responsible. The account in question was opened while I was a minor, and so it would not be possible for me to own the account as well. 

I have a car loan with Bank of America, and I believe they are using my information from that account and are trying to commit fraud in order to get me to pay something I am not responsible for. I spoke to multiple representatives and all of them kept telling me I was the coborrower. I never applied for this card, never used it, never paid it, or did anything in connection with that card at any time. I was an authorized user for years, and never signed anything to change that. 

I advised them of the error around XX/XX/XXXX and yesterday, XX/XX/XXXX. They have reported it to my credit and now I have to figure a way to fix that. It is the only derogatory mark on my credit, and it will be having a very negative effect on my career as a mortgage loan originator. I need to get this resolved, and Bank of America doesn't seem to care about the facts or even want to research the matter in a timely manner.

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 2023-09-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Paypal wrote a book during the last dispute that did not make any sense it was 3 transactions that were made at 1 machine {$60.00}, {$40.00}, {$100.00} that I received the incorrect amount of money, and if they have audit tapes please provide them me footage of me withdrawing the amount of money that paypal say I withdrew, also the {$230.00} was a unauthorized transaction i have auto insurance and I was just shopping around for insurance, and never committed to transferrirng my insurance to this company XXXX XXXX, If you have my signature on any of their documents if so then please provide that so I can see, that my signature was also forged, if not then If I say it is unauthorized how is Paypal to say what is authorized and what isnt they are not me, and If i say it was unauthorized then they should have treated it as if it was unauthorsized they violated regulation e policy they cant make me be insured with a company I didnt want to become my insurance provider and that is why they refunded me back but paypal should have got my full amount refunded and I do not owe paypal anything once they correctly refund me for the unauthorized transaction, the {$100.00} they owe me they can refund it by check or by sending it back to the bank account they fraudulenty withdrew it from

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I reviewed a response from Mr. Cooper regarding a communication they acknowledged receiving on XX/XX/XXXX, although they do not identify where they received this communication from. 
The response is dated XX/XX/XXXX and appears to be a response to a complaint I filed with the Florida Attorney General, although that is not stated in their response. 
The response from Mr. Cooper does not mention the Second and Final Notice to obtain hazard insurance or they ( RightPath Servicing ) will purchase hazard insurance on my behalf. I specifically mentioned this notice I received on XX/XX/XXXX from RightPath Servicing, in my complaint to the Attorney General, therefore, I can only assume this response is regarding my complaint even though there is no mention or explanation for RightPath sending this second and final notice, as requested by the Florida Attorney General. 
Mr. Cooper cunningly omits information regarding the Second and Final Notice sent to me on XX/XX/XXXX because this is the basis of my complaint and is also definitive proof of deception by RightPath Servicing. 
RightPath Servicing clearly stated Hazard insurance was needed on my property and goes on to describe this hazard insurance, that being, it would only cover the structure, such as the roof, of my property. I provided RightPath Servicing proof, multiple times, of having this hazard insurance coverage, as they described, through my HOA master policy. 
In XX/XX/XXXX RightPath Servicing charged me for HO6 insurance and not hazard insurance as described in this Second and Final Notice. My mortgage payment was increased by {$1000.00} per month. 
There is no mistaking what HO6 insurance coverage is and it surely isnt what was described as Hazard insurance in their notice dated XX/XX/XXXX. 
This deliberately deceptive practice can cause many, like myself, to be threatened with foreclosure if they do not pay into this fraudulent scheme. Mr. Cooper is now refusing to accept my mortgage payments, after I did not sign the loan modification they sent me, a modification I did not request. I was, conveniently, pre approved for this loan modification I did not request or apply for. 
I understand, per their response, that Mr. Cooper is now in the process of foreclosing on my property. I have sent RightPath Servicing monthly mortgage payment that they have refused to apply to my loan.

RightPath Servicing/Mr. Cooper has clearly violated the FDUTPA, The Florida Deceptive and Unfair Trade Practices Act with their deceptive practice, as stated above, and must be investigated. It is very likely, given the troubling history of Mr. Cooper, that a class-action law suit may be necessary. 

Each response to the CFPB, by RightPath Servicing, claiming to have already addressed this issue shall be recognized as a separate offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank checking account. XXXX fee disclosures stated a XXXX $ monthly maintenance fee will not be charge if XXXX ) maintenance a balance of {$1500.00} or XXXX ) have XXXX monthly deposit. 

I opened my account to receive monthly social security benefits as I am retiring. I will not receive my first paymen until XX/XX/2023. I maintained my account balance at XXXX for the first month but on the XXXX month I was hit with the fee. 

I called them and they said my account balance dropped to XXXX 

But this decrease was due to them improperly charging me the fee. I should had never been charged this fee. I asked for a reason why it happened and they were not able to response and did not know why it happened. I am retiring soon and keeping a close eye on my account as every XXXX matters. 

If this is happening to me. Other seniors would be affected and not realize. This is completely unethical and improper to do to anyone especially when I'm a senior citizen and indicated that I'm opening the account to recieve social security benefits. 

It made me feel that they're were trying to take advantage and see if they could get away from it.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: CA

Complaint narrative:
Found a unathorized XXXX XXXX charge of {$370.00}. The next day I called XXXX XXXX  and they said they would not respond. Called chase to report the fraud and called XXXX XXXX. Chase has given me no proof to their findings nor has XXXX XXXX. Please I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-15 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: TX

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. 


Account name : dept of education/XXXX  Account # : XXXX dept of education/XXXX  Account name : XXXX XXXX Account # 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 other adverse item of information, other than records of convictions of crimes 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 explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Open both Chase Total Checking and Chase Savings accounts on XX/XX/2022 on terms of {$600.00} marketing scheme that CHASE BANK HAD ON-GOING, I MET ALL REQUIREMENTS FROM OPENING AND THROUGH 90DAYS OR 3MONTHS, BUT NEVER RECIEVED THE {$600.00} CHASE BNK OWES ME, CHASE SAVINGS ( ... XXXX AND TOTAL CHECKING ( ... XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
To whom it concern I am filing a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in to Reference # XXXX XX/XX/XXXX This company called me to collect a debt that was already resolved by XXXX XXXX which is XXXX XXXX. I as this company do not call or send me a letter because it has been resolved by the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was wrongfully sold this product and billed for it. I returned the phone and the bill was erased by XXXX XXXX XXXX XXXX XXXX not sure how this company got this but this was taken off my credit once the issue was resolved with XXXX XXXX XXXX If needed I have the emails from XXXX XXXX this has been resolved. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation