vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$390.00} Highest Balance {$390.00} Opened XXXX. XXXX, XXXX ( 3 yrs, 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX BANK XXXX XXXX A Opened XXXX. XXXX, XXXX ( 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX IN CO Opened XXXX. XXXX, XXXX ( 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX BANK Opened XXXX. XXXX, XXXX ( 3 yrs, 3 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Monthly payment {$30.00} Opened XXXX XXXX, XXXX ( 10 mos ) Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Account closed by credit grantor Times 30/60/90 days late 2/1/0 Closed XXXX XXXX, 2022 Monthly payment {$220.00} Opened XXXX. XXXX, XXXX ( 6 mos ) Term No Info Account status Open Type Line of Credit Responsibility Individual Account. 
Remarks No Info Times 30/60/90 days late 1/1/0

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 2022-09-28 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$390.00} Highest Balance {$390.00} Opened XXXX. XXXX, XXXX ( 3 yrs, 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX BANK XXXX XXXX A Opened XXXX. XXXX, XXXX ( 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX IN CO Opened XXXX. XXXX, XXXX ( 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX BANK Opened XXXX. XXXX, XXXX ( 3 yrs, 3 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Monthly payment {$30.00} Opened XXXX XXXX, XXXX ( 10 mos ) Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Account closed by credit grantor Times 30/60/90 days late 2/1/0 Closed XXXX XXXX, 2022 Monthly payment {$220.00} Opened XXXX. XXXX, XXXX ( 6 mos ) Term No Info Account status Open Type Line of Credit Responsibility Individual Account. 
Remarks No Info Times 30/60/90 days late 1/1/0

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VT

Complaint narrative:
I was in a COVID forbearance plan with my lender, Penny Mac. In XXXX I requested to exit the plan and start the VA Partial Claim Program process which goes until XX/XX/2022. I had previously been told that I was eligible and that would be an option. During every monthly check in, I stated that I would be doing the VAPCP. The customer service rep told me that Penny Mac was no longer doing the VAPCP as an option and that I would have to conduct a modification of my mortgage. Three different reps told me different cut off dates. I called the VA help center and was told this issue was common. Penny Mac now has said I must modify my mortgage to a higher interest rate, which is why I believe they will not allow me to do the VAPCP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: JPMORGAN CHASE & CO.
State: FL

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 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Contacted by Credit Management LP by Mail. They said they were collecting debt for XXXX XXXX XXXX for {$250.00}. I checked my heath insurance claims and noticed there was a paid claim for a different amount so I disputed the charge. I received a 2nd letter saying that they verified with XXXX XXXX that the charges were accurate and I must pay them. I called my health insurance, BCBS, to double check they didnt have any claims I couldnt see and they did not. XXXX XXXX XXXX XXXX called XXXX XXXX with me to discuss the charges and we were then told to call XXXX XXXX and given their number to call. When we called them they asked for my name/DOA/address and last 4 of social to verify my account. I gave them the information and they said I had no charges and everything was paid in full. We then called XXXX XXXX back and they said I would have to dispute the charges again. I'm concerned that XXXX XXXX is not a legit debt collector and the number they provided for XXXX XXXX was also apart of their scam to get my personal information. Here are their phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-28 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: MI

Complaint narrative:
I requested on XXXX XXXX2022 to have the address listed and incorrect names on my credit report to be removed. The following credit bureaus did not respond to my request. I told them that the information did not belong to be and I have no association with those addresses.

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 2022-09-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX failed to properly investigate unverified accounts and remove them per 15usc 1692 g ( b ) iii, per 15usc 1681, resulting in violation 18usc241.

Fact- Notice of no further investigation would be permitted violating 15usc1681d ( b ) ( c ), 1681 ( d ) 3, 15usc 1681E ( a ) ( b ) The apparent willful neglect of 15usc 1681 ( L ), 15 usc1681 ( m ). 
Upon request of contract of obligation I was XXXX false documents that showed no judgment of account or contract of agreement. Violating 15usc1692j. I am due remedy for these violations against me under 15usc1681o. The accounts unverified are XXXX XXXX XXXX. reporting since XX/XX/XXXX XXXX XXXX reporting since XX/XX/XXXX XXXX XXXX XXXX since XX/XX/XXXX XXXX reporting since 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 2022-09-28 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 XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 explanation
Consumer complaint received 2022-09-28 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
On XX/XX/2022, I made a mobile deposit with my bank Wells Fargo like I have for the past 4 years only this time they decide to put a hold on my deposit until the XX/XX/2022. This has caused me more over-drafts and returned payments that I have had to pay extra fees on. I am also struggling to get to work and put food in my home for my children. Also note on top of this deposit I also receive a regular direct deposit every XXXX weeks of $ XXXX. I have called multiple times and they refuse to allow me to speak to a manager about removing the hold. They basically tell me there is nothing they can do but make me suffer and hold my money hostage.

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 2022-09-28 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 — Their investigation did not fix an error on your report
Company: Global Lending Services LLC
State: IL

Complaint narrative:
In XX/XX/XXXX i submitted XXXX complaints to CFPB in response to numerous attempts of disputing unauthorized inquiries on my credit reports from XXXX XXXX and Global Lending dated XX/XX/XXXX. Both companies have failed to provide me with proofs showing that I authorized this inquiry. I had requested from the credit bureaus as well as the creditors documents showing that my signature, ssn and identification is verified on these unauthorized inquiries and either has failed to provide. In response to the complaint that was submitted in XXXX, Global lending responded that the inquiry will be removed from all credit bureaus within 15days well it has been months and the inquiry still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Hi, I have tried getting a credit card for Chase credit card through XXXX XXXX on XX/XX/2022. I have XXXX credit scores and XXXX digit income but still I was denied and was not give any answer why. I tried reaching out to them but they didnt know the reason. Due to good credit score and good income, I shouldnt be declined when they are approving other consumers with similar information. They neither want to remove the inquiry from my credit card and nor want to approve it. I need help in this matter please. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a " Security Alert : Unusual account activity detected '' email from XXXX XXXX. 
That they " detected some unusual activity on your account ( s ). For your protection, your Online Banking access has been temporarily disabled. Our teams are diligently working to review your account ( s ) and will notify you when your access has been restored. '' I waited XXXX weeks and heard NOTHING from XXXX  ; I called on XX/XX/XXXX and they said no updates were available. I emailed that same day and was told to call customer support. 

I received a call from my other bank ( let 's call them XXXX XXXX  ) on XX/XX/XXXX, asking if I authorized a transfer of {$1000.00} from XXXX XXXX to XXXX XXXX To my best recollection, I did not authorize this transaction. Since my XXXX  account ( allegedly ) has been disabled since XX/XX/XXXX, surely no ACH transfers should be happening -- surely a disabled account is not... active to make transfers. 

I called again on XX/XX/XXXX and was told again there are no updates, the fraud team is going to investigate or is investing.

After 3 weeks of being locked out of my account, XXXX can not even tell me where they are in this alleged investigation, if it has even begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
This is the 2nd time I have tried to dispute something through Chase and they have decided to make it difficult. 
1st depute was since they would not honor their travel insurance This time they sent the dispute to the merchant without allowing me any chance to provide documentation. The product that the merchant is charging me for a time sensitive rental. By the time the dispute goes through, the it will be the end of my rental and then most likely new issues.

The representative said ( should be recorded ) that if I was not willing to mail the complaint in that the XXXX  would be the best route ( I had not mentioned/thought of consumer finance complaint ) ****Key item : I asked to file a complaint about their process versus the industry standard process and they said my only option was to mail it in********** Chase has not only decided to make this dispute extra work, but also has zero concern for customer service or maintaining a standard that is used by any other card that I am aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent Experian my id utility bill and police report they are requesting more pages of my police report and the page I sent them is all I have and all I was sent by the agency since my information was lost miles away i made the report with the agency that was far away and this is all they gave me and is valid to there standards my other documents I could upload via the portal so I sent through here and should have been forwarded to them Experian sent me a email saying they cant block because they did not get all information and this is false

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 2022-09-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IA

Complaint narrative:
Received email on XX/XX/2022 from American Education Services with faulty and misleading information including IN BOLD or HIGHLIGHTED text that makes the message appear super misleading, faulty, and fraudulent about student loan forgiveness and then directs consumers to apply to re-finance their student loans at what would most likely be MUCH HIGHER INTEREST RATES with HIGHER monthly payments.

Company response to consumer: Closed with explanation