vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX and Equifax to reinvestigate this account : XXXX  XXXX XXXX  - However, Theyve stated everything was complete and accurate. But how is that possible if the date of last activity for each mentioned account and much more is incorrect. According to 15 USC 1681i ( 5 ) Credit reporting agencies are supposed to delete account 's if it they are not reporting accurately. Also. 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. Lastly, this account isn't in compliance with metro 2 credit reporting. I have evidence to prove my case. If your company doesnt honor my request to remove the above-mentioned alleged account, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-11-14 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I want to file this please as my formal complaint to NAVY FCU for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-11-14 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: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX XX/XX/2023 FOR XXXX XX/XX/2023 FOR XXXX XX/XX/XXXX FOR XXXX THE ITEMS ABOUT WERE PUT ON MY CONSUMER REPORTS AND I WOULD LIKE THEM REMOVED

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
See attached documents, the personal information you are reporting are not mine.

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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
i decided to go to XXXX XXXX shop in XXXX XXXX  for an issue i had with my car overheating. they held my car there for 2 weeks, and when i got my car back i had to pay XXXX dollars out of pocket and my dad paid XXXX with a total of XXXX in payment. leaving the lot i realized my car not only was overheating still, but my engine light turned on along with the AC not working. i tried calling back they answered and when they said theyd call me back they never did. they arent trying to give me a refund and when i called discover to dispute this, they proceeded to tell me time and time again they couldnt help me because service was provided but it wasnt. because my car isnt fixed and they wont give me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: GA

Complaint narrative:
XXXX was reporting on my credit report and I had a lawyer investigate this company and it's not a real credit card company and it has been removed from my XXXX credit report but not XXXX or Equifax Credit report and I do have proof showing it has been removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: MO

Complaint narrative:
On XX/XX/XXXX I was alerted via email that my Chime debit card pin had been changed, and that if I did not do it I needed to contact customer service. Before I got the alert and contacted them there was already 2 ATM charges done cleaning the account. My disputes were denied within 12 hours of reporting them. I made a police report, and filed a rebuttal on the decision - again in less than 24 hours it was denied. With little to no investigation done they " found no error ''. I filed a rebuttal at least 7 times between XX/XX/XXXX XXXX. All have been denied. Based on XXXX 's XXXX Liability Policy Chime is liable to return the funds stolen from me and refuse to even look into the situation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
We have a Heloc from XXXX XXXX, which we have paid consistently despite the rate increases. 
In XX/XX/, XXXX transferred the loan to XXXX XXXX and raised our fees and payments by more than XXXX. 
When I called to inquire about the change, they stated it was a " system error that they were aware of and would be addressing... .nothing should change ... our amount would remain the same. '' An updated statement was sent, reverting back to our normal payment. I immediately submitted the payment via their online system, although their online system still reflected the inaccurate statement requirement. 
I called again and they stated it would be rectified It wasn't. 
I have since called 6 times asking for assistance. I have been disconnected 4 times and am again sitting on hold ... .so far 20 minutes and counting. I tried emailing and chatting, and still no assistance. 
I have since received a letter stating that I still owe the XXXX XXXX  which was due immediately or there would be penalties. Again, I was told this was an error in their system. 
Last week they had a " system outage, '' which they now say is rectified, yet the data is still incorrect. 
I received a New statement that now states we owe more than XXXX, including a past-due payment I already made. 
It's now 40 minutes on hold. 
I am a military widow on a fixed income and should not be taken advantage of in such a manner. I have made every attempt to communicate and address the errors in their system but to no avail. 
Now they disconnected the call... again. 
Their actions deserve to be investigated and reported as they seem to be fraudulent in their actions and customer service. 
Would appreciate it if you could look into this. I am happy to provide any and all documents for proof and verification. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
On XX/XX/2023 someone was able to access my personal account and open up a " business account, '' making a number of fraudulent purchases. 

I immediately called XXXX to report the fraudulent purchases and they assured me that they would open an investigation. They apparently did not and sent it to a collection company called ; " Credit Collection Services '' at XXXX XXXX XXXX, XXXX, Massachusetts, who are now harassing me over this debt. 

According to Credit Collection Services I owe {$5200.00} This is not a debt I owe. This was all fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
I got into a situation where I had no choice but to get a title loan on my car. I had just started my job, and we only get paid every XXXX weeks, and I had to eat.. so I got the title loan thinking I would pay it off early. The rep said I had a good credit score with them because I paid back the previous title loan. I assumed that since I did that, I should get a lower interest rate.. by was I wrong!! My interest rate is so high, that the rep told me it was all complete, that if I paid it back as scheduled, they would make {$11000.00} off of my {$2000.00} loan. My payment is close to {$400.00} per month, and the bill increases even after I pay them! How is that legal for them to make that much money off of people who obviously are struggling or they wouldnt be getting a title loan in the first place! Seems like you only have XXXX choices in this situation, you either forfeit your transportation, or you make the payments and pay them enough to almost buy yourself a new car.. I tried to contact them about getting a lower interest rate, but they never called me.. I think interest rates that high should be illegal!! Someone that is so short on cash that they have to put their car up, shouldnt be paying such high rates. They set you up for failure no matter what and thats not right..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: MA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXXXXXXAccount # XXXX, has violated my rights. 

Account # XXXX. Two accounts as the same beginning numbers. 
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

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 2023-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care Credit has charged me an obscene account of interest when a promotional balance was paid off. They also were applying my monthly payments towards a promotional balance that had a expiration date further out than the one I was paying off. Therefore, made my expiring balance not paid in full on time. I have the Statements showing promotional balances paid in full but are still charging me interest.

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 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There were 2 unauthorized transactions made. One for the amount of {$49000.00} and another for {$36000.00} for the sum of {$86000.00} on XX/XX/2023. We notified the bank of the charges within the hour. We were told by a representative today, that the fund can not be recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called the closed student accounts with XXXX and XXXX XXXX about how accounts with them were reported. The XXXX representative stated he had only one account for me and I told him multiple accounts were showing up. XXXX XXXX informed me they only had one account for me and I informed them multiple accounts were displaying. I never gave these companies written or verbal permission to report anything to consumer reporting agencies.

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 2023-11-14 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: TX

Complaint narrative:
I called the closed student accounts with XXXX and XXXX XXXX about how accounts with them were reported. The XXXX representative stated he had only one account for me and I told him multiple accounts were showing up. XXXX XXXX informed me they only had one account for me and I informed them multiple accounts were displaying. I never gave these companies written or verbal permission to report anything to consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX we deposited XXXX in cash at a Bank of America atm. As the money was sucked into the machine, the atm failed and did not record the deposit. I called from the atm for help, Bank of America started a claim investigation, as of today, XX/XX/XXXX they have not credited our account with our money. They are not moving quickly on this and have given no proper updates as to what they are actually doing about this. They stated it would be approximately 20-45 days before a resolution on this. As we live paycheck to paycheck this leaves us in a bind. I have called several times to get answers and have had no luck at all.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-14 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: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-11-14 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I filed a claim with my homeowners insurance company back in XX/XX/2023 received the check from my insurance co. had to sign it and send it to Mr.Cooper to sign and release funds I sent the check with the insurance adjuster 's paperwork that they wanted to have, many months go by and they have not released the funds so I check online and they said they did not received the paperwork for the adjuster so I sent it again more time goes by and sent it again because they keep losing the paperwork so I sent it again today XX/XX/2023 been talking to them just about every week but there is always something holding up the check and it is always them stating that they did not get all the papers from the insurance adjuster that I had sent many times over, The check was in the amount of {$72000.00} as I read thru XXXX  I see a lot of these remarks from people that Mr. Cooper is holding the insurance check ransom from people who have had a claim for their homes. I have even asked Mr. Cooper if they would call the insurance company to get everything that was supposedly missing from all these times that I have send the paper work to them and of they even stated they would call themselves as this is just unreasonably taking too long and they should have notified me about the missing paperwork from the claims adjuster even though I have sent it over to them multiple times over and it still gets lost, I don't think they are losing anything I think they are just holding the money in a bank collecting the interest off the checks that they receive for homeowners claims that they get. Mr. Cooper has had my insurance adjuster 's paperwork for months now with the check while my house is falling apart because of their negligence on getting the check issued for the roof to be fixed.

Company response to consumer: Closed with explanation