vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The account XXXX was sold but still reports a balance. I know that reading my credit report JPMCB says that the account is a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS, they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS, and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb by reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. See attached credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: NC

Complaint narrative:
On XX/XX/2023, I received an Experian notification that my account was reporting positive payment history. This was because the company changed the XXXX from late to on-time. Please see the screenshot. Today, XX/XX/2023, I received an update that the dispute results were available. I thought that the account had been updated per the XX/XX/2023 notification. But, it was not.

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I noticed I have a late payment being reported by XXXX. I notice the late payment was reported in XX/XX/2022. Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of this late payment. I would like this late payment to be removed and cleared from my credit profile. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-12-23 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: TX

Complaint narrative:
After reviewing my credit report, I noticed I have a late payment being reported by XXXX. I notice the late payment was reported in XX/XX/2022. Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of this late payment. I would like this late payment to be removed and cleared from my credit profile. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I noticed I have a late payment being reported by XXXX. I notice the late payment was reported in XX/XX/2022. Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of this late payment. I would like this late payment to be removed and cleared from my credit profile.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
The account XXXX was sold but still reports a balance. I know that reading my credit report TRUIST/XXXX  says that the account is a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS, they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS, and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb by reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. See attached 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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is acting in bad faith and has reported inaccurate and incomplete information on my credit reports. I want a full investigation and have this account removed from all credit bureaus until such time this matter gets resolved. No futher contact from them as it is in violation of federal and state collection laws and State of Florida business regulations and licensing laws as they are in breach of contract. Cease and Desist

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 2023-12-23 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: FL

Complaint narrative:
XXXX XXXX is acting in bad faith and has reported inaccurate and incomplete information on my credit reports. I want a full investigation and have this account removed from all credit bureaus until such time this matter gets resolved. No futher contact from them as it is in violation of federal and state collection laws and State of Florida business regulations and licensing laws as they are in breach of contract. Cease and Desist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is acting in bad faith and has reported inaccurate and incomplete information on my credit reports. I want a full investigation and have this account removed from all credit bureaus until such time this matter gets resolved. No futher contact from them as it is in violation of federal and state collection laws and State of Florida business regulations and licensing laws as they are in breach of contract. Cease and Desist

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
The account XXXX was sold but still reports a balance. I know that reading my credit report XXXX/GRNSKY/XXXX  says that the account is a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS, they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS, and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb by reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. See attached credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Throughout Covid, I received communications from the department of education and Nelnet referencing my loan, which was consistently referred to as one on an Income based repayment plan. However, when I asked why the govt forbearance months werent counted towards forgiveness ( I had XXXX remaining payments at the start of COVID ), I was told I was on standard repayment. My monthly payment was {$880.00}. The Nelnet app, website and email comms from Dept of Edu and Nelnet all cited by REPAYE/IDR plan throughout this period. I spoke to a counselor from Nelnet in XXXX upon realizing this mistake, and they said the payments would be counted, and I should recertify on a SAVE plan to have that retroactively applied. I recertified, the months were not applied, and my payment nearly tripled. Now I owe XXXX payments at {$2300.00} a month rather than XXXX payments at {$880.00}. I was told by Nelnet/govt representatives that SAVE was the best option, and now owe nearly double. Had they been forthright to begin with, Id have stayed on the existing plan in the worst case scenario. And now Ive submitted another case, reached out multiple times about a resolution, and not received even an acknowledgement since XX/XX/XXXX, the last time I tried to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2023 my citizens business account was cleaned out and put into the negative from wireless transactions made with my business debt card number though XXXX XXXX and XXXX XXXX reported to the bank on XX/XX/2023 and went to the bank on XX/XX/2023 to replace my business card and reported the fraud they did not do anything on my behalf on XX/XX/2023 I called the citizens claims department and found out they never did a fraud claim on my business account so I had to do one over the phone on XX/XX/2023 I called today XX/XX/2023 the claim department and they told me that no fraud happened I told them I want the fraud claim to be reviewed again. XXXX dollars was taken from my business account and made my account go into the negative and overdraft fees .they are refusing to refund my business account of the money taken from me I had enough they don't care they are no help for people that work hard for there money they are not protecting the bank customer and small business owners

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: OneMain Finance Corporation
State: NY

Complaint narrative:
Improper and unauthorized charges on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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 Fair Credit Reporting act XXXX 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-12-23 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: IN

Complaint narrative:
I applied for an auto loan and did not give permission or consent To ANY OF THESE PLACES!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were all on 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 2023-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
My mortgage holder, PennyMac, failed to make payments from my escrow account to my flood insurance provider resulting in the insurer cancellation the policy on my residence. This was done without my knowledge and in spite of my having ample funds in the escrow account. Then, PennyMac informed me they had to purchase a policy at a premium on my behalf because I didnt have the required flood insurance coverage. Ever since then, and even after talking to my insurance broker and the escrow department at PennyMac, I continue to receive alternating notifications from PennyMac. One notice says I have flood insurance coverage, then within a week or so I receive a notice that PennyMac must purchase a flood insurance on my behalf because there is no evidence such a policy is in place. Continued calls to PennyMacs escrow department have not resolved this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : 1. XXXX XXXX, Inquiry Date : XX/XX/XXXX, XXXX 2. XXXX  XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, XXXX 3. XXXX XXXX XXXX, Inquiry Date XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Equifax, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ND

Complaint narrative:
On XX/XX/2024 my phone was stolen, They gained acces to my cash app account, funded it thru my connected bank ( XXXX ) and paid themselves. I reported this to cash app and XXXX as well as filed a police report. XXXX was great they refunded me the money that was transfered to cash app. Then almost 2 months later Cash app decided to take it back again putting my account in the negative balance of {$850.00}. I have filed multiple disputes with cash app and they keep denying my claim. Its like they dont understand that My phone was stolen. The thieves broke in to my shop and have been arrested. One of them is still in jail and they both have trial set at a future date. Cash app has cause me to fall behind on bills, My kids wont have a XXXX this year and I am furious. I have contacted Cash App at least a dozen times via chat and phone support. They do the same thing every time. IT gets denied and I am denied access to speak with any managment or higher up than chat. or basic support. Hours and hours on the phone and chat. Same results every time. I would recommend to anybody to discontinue use of cash app ASAP. XXXX won my loyalty. they took care of my problem within a week. Cash app robbed me for a second time and should be held accountable. I Cant afford an attorney so they just get away with it. I would sue them for XXXX times what was taken from me just because of the pain and suffering they have caused my and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Was on forbearance but continued to make payments, when forbearance ended, XXXXtheir portal kept showing different amount owed. I ended up paying over {$18000.00} which since my payment is {$850.00} a month, that is over 2 years of payments. I never received the letter on XX/XX/XXXX, at that point Id already paid over {$18000.00} and today as I was reviewing my account I noted that Cooper took {$5000.00} in XXXX of XXXX out of the {$18000.00} + I paid after forbearance ended and placed it in escrow. I was on forbearance for a year, and made payments throughout,, yet my new statements state Im short on escrow, where did that {$5000.00} go? My taxes are only {$1500.00} due XX/XX/XXXX, it was paid, where is {$5000.00}? In XXXX they refunded {$2400.00} for the forced place flood theyve been taking since XXXX, and they still charged {$610.00} in XXXX of XXXX and {$660.00} in XXXX of XXXX, it is quite clear they are adding in charges hoping to foreclose on borrowers homes. The following is what theyve taken for forced placed flood since XXXX XXXX {$660.00} XX/XX/XXXX {$660.00}, XX/XX/XXXX {$610.00}, XX/XX/XXXX {$550.00}, XX/XX/XXXX XXXX ( customer service rep said they paid my insurance with the funds, I asked who my insurance company was, she said XXXX XXXX no its through my HOA yet they were still paying XXXX for XXXX policies that they were just fined {$91.00} XXXX for ) also just this year, XXXX, after a supervisor, XXXX XXXX said shed monitor and make sure they would stop with the forced place flood insurance as they received the proof that it was through my HOA, from me, from a XXXX XXXX and even our Management company First Service ) they took two payments immediately ) XX/XX/XXXX {$610.00} and XX/XX/XXXX {$660.00}. Thats $ XXXXsubtract {$2400.00}, that was finally refunded in XX/XX/XXXX and there is still {$3100.00} that they owe me. To make matters worse, then they took {$5000.00} in XX/XX/XXXX, where the XXXX is this money? Im going to report to every other agency as this is criminal and with the economy it is reprehensible. I only owe $ XXXX on my home, I have friends and family that will pay it off if needed, so they dont have a chance of stealing this home, but the XXXX needs to stop. I have spent countless hours of my valuable time reviewing their XXXX. It. They are scamming borrowers and CFPB is just accepting their XXXX excuses? Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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