vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items that are currently on my credit report. After reviewing my report, I have identified several negative items that are inaccurate and should be removed immediately. The following is a list of these items : XXXX XXXXXXXX XXXX Account Number : XXXX I am confused as to why this account shows a payment history when it was charged off. Please delete this account from my credit report as soon as possible. 

XXXX  XXXX XXXX Account Number XXXX XXXX This account also shows a payment history when it was charged off. Please remove this account from my credit report immediately. 

U S DEPT OF EDXXXX Account Number : XXXX I have never had any business relationship with this company, so there is no way this account belongs to me. Please delete this account from my credit report right away. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX This address is not correct. Please remove it from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX This address is also not correct. Please remove it from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX This is not my name. Please remove it from my credit report immediately. 

I appreciate your prompt attention to this matter. Please let me know when these items have been removed from my credit report. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items that are currently on my credit report. After reviewing my report, I have identified several negative items that are inaccurate and should be removed immediately. The following is a list of these items : XXXX XXXX XXXX Account Number : XXXX I am confused as to why this account shows a payment history when it was charged off. Please delete this account from my credit report as soon as possible. 

XXXX  XXXX XXXX Account Number : XXXX  This account also shows a payment history when it was charged off. Please remove this account from my credit report immediately. 

U S DEPT OF EDXXXX Account Number : XXXX I have never had any business relationship with this company, so there is no way this account belongs to me. Please delete this account from my credit report right away. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX This address is not correct. Please remove it from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX This address is also not correct. Please remove it from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX This is not my name. Please remove it from my credit report immediately. 

I appreciate your prompt attention to this matter. Please let me know when these items have been removed from my credit report. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Multiple fraudulent transactions were charged to my account and the bank has not done anything to refund me the nearly {$700.00} that was fully fraudulent. Ive even checked with XXXX XXXX where the charges came from and my account is completely drained. I need those funds to pay bills and the bank has been unhelpful and dishonest. Huntington bank is the financial institution and XXXX XXXX is the merchant with the fraudulent charges. XXXX told me directly that the charges were fraudulent and Huntington insists that ALL of their managers are in a meeting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I ordered items from a wholesaler, XXXX XXXX XXXX XXXX XXXX XXXX  worth {$4900.00} and {$700.00} respectively. The seller did not accept direct credit card payments and so I process the payment of my American express card through a payment processor, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 

The seller never shipped the items and did not honor a request for refund. After an internet search I discovered the seller, XXXX XXXX XXXX, operates in such a manner where they collect payment and do not honor orders from customers. I reported this issue to both the payment processor, XXXX XXXX and my credit card provider American Express. However, non of them was able to protect me and I was left to carry the entire burden and risk. 

Complaints from other customers regarding the wholesaler : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
It is my belief, The Department of Education, MOHELA, XXXX, XXXX and XXXX d/b/a the UNITED STATES XXXX are all voluntarily , knowingly and intentionally, individually, and personally undeniable aware of criminal acts of mis-administration and malfeasance. Approximately on or around XX/XX/2023 and XX/XX/2023. I sent certified receipt letter to the corporation to remedy and recourse regarding this matter and of course no action were taken by the company as of yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my TD Bank account to the fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had deposited ample funds to pay my bills for XX/XX/XXXX. After paying an online bill I checked my online account on XX/XX/XXXX at XXXX and found that I had a negative balance. After checking my recent account transactions deposits, I found a check cashed for {$800.00} on XX/XX/XXXX. I did not recognize the transaction and downloaded the image of the check from the bank website. The image of the check showed that it had been altered, the original payee was changed from an institution to an individual name, the original amount was written out and changed to a larger amount and the original amount was changed from {$80.00} to {$800.00}. Also, my signature was altered but the memo section of the check still showed tithes. The back of the check was also accessible online and it was totally illegible as to where the check was cashed and the person signed the back in script. I called the US Bank 1800 line and submitted a check fraud report immediately. I asked if they could tell who was the cashing institution and they said they couldn't. Then the next day on XX/XX/XXXX I went to my bank branch and reported the fraud and closed the account. I asked for my funds to be restored to my account but my bank refused and said they would need to investigate first. A report was submitted by the bank agent on XX/XX/XXXX, but this person did not follow proper submission procedure and so the report was not filled with this bank 's fraud department ( it just sat in limbo!! This person should be retrained!! ), and when I checked on progress I had to make a 2nd report and ask for a re-submit on XX/XX/XXXX with the bank fraud department. In the meantime, The person submitted the forged check again ( same check number as verified by the caller ) at another bank and asked this bank to cash it. This bank called me to verify that it could be cashed and I said, " no! '' and told them it was forged and I asked the caller how they got my name and phone number. The caller declined to tell me and would not tell me where this branch was located. I tried again by telephone on XXXX and XX/XX/XXXX to ask the bank to please restore my deposited money which was taken out by this forged check but they are refusing. I have made a police report, I have copies of the forged check, dates, times and transaction references of the forged check cashing and I need restoration of my funds. I am not a criminal. This time lapse in resolving the problem of this check forgery resulting in removal of my deposited amount has created a financial burden on me and many mental, emotional hardships and I need my account restored to pay bills. This is more than a month later as of this date, this is time enough to resolve this issue with the evidence available.

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 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX of XXXX, I was in the process of booking a hotel room at the XXXX XXXX in downtown XXXX. Before finalizing the booking, a credit card offer presented itself on the XXXX website from Chase. The offer was that upon approval, I would get a {$250.00} statement credit. Well, I never got it. I called Chase and XXXX after I got my first statement and saw that the credit was not there. Over the last several months, I have since spent many hours on the phone with many different Chase and XXXX supervisors asking for my credit and they keep telling me the same thing ; Chase says XXXX has to give me the credit and XXXX says Chase has to give me the credit. Basically I was lied to and this is unfair and unacceptable. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: GA

Complaint narrative:
These collections were not properly validated by the belongs properly by law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: GA

Complaint narrative:
These collections were not properly validated by the belongs properly by law

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 2023-03-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
About eight or nine years ago, when I was still in college, my mom, XXXX XXXX XXXX, was worried about how I did not have a credit card to use for any emergencies. I was at this time someone with no credit history. She thought it would be a good idea to put me down as an " Authorized User '' for her XXXX Credit Card just in case I needed to use the card for an emergency as a college student. I do not recall ever using the card, and I certainly never cosigned for it or declared myself liable for any of the debts that were accrued on the card under my mom 's name. Now, all these years later, that XXXX XXXX is damaging my credit report because Equifax and other companies are treating it as if it is a very old card that I took out or signed for many years ago. 

Months ago, I called XXXX to express my frustration about this situation. They claimed that they removed me as an Authorized User from the Card and yet, three months later, my Credit Score is still being dragged down by their XXXX XXXX. Again, I do not have any access to this card, I never accrued any debts on it, and my name should have no association with it whatsoever. Since I was delisted as an authorized user, I have noticed that they no longer list my mom 's debt as being my own, but I would like my association with the card to be removed completely. The age of the card is serving as a drag on my Credit Score right now. 

Ultimately, XXXX should not be on my credit report. I am about to take on a new job and rent an apartment in another state, so I want my credit score to be as good as possible and no longer damaged by my name being associated with this nine year old card that I never signed for and that I have absolutely no access to today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Disputed fraudulent accounts with reporting agency and they did nothing to help. Could not get directed anyone who could help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: IL

Complaint narrative:
In XX/XX/2021 I wasnt able to update my account info to change back account info so I contacted grain with questions it took them about a month to get back to me still with no proper way to fix this. 

Then I try to login the site and extra security was added asking me to upload id social security card proving who I am which I did and system denied me entry after all documentation was sent. I again reached out to gain cause Im seeing late payments added to my credit profile cause their system is having issues and its not just me whos having this problem after I search the web many people are affected. 

Every day or so often I try to log in the app flickers but will not let me in this goes on for about another month. I try to log in again it lets me in and kicks me out as Im trying update banking info. I enter card number and have {$50.00} I believe deducted from my account to test it. The app closes on me again I log back in this time the screen just stuck in a loading stage and I cant get in and til this day it remains that way. 
This company and its apps faulty function of it not working properly has caused me to receive multiple late payments and in charge off status cause of their app had so many issues and still does that I the consumer cant and couldnt log in to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: GA

Complaint narrative:
These collections were not properly validated by the belongs properly by law

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 2023-03-15 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: MD

Complaint narrative:
XXXX original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. 

Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. 

Attached is the cashed check with the agreement of being cashed debt will be PIF and removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing regarding a concern about an action taken by WSFS on all of their customers, including myself. On XX/XX/2023 at the end of the day, just before a holiday weekend, WSFS blocked all of their customers from access to their personal online banking. The only way to access one 's account was to read, analyze, and agree to 14 pages of legal documents ( small print ). As a successful businessman I can tell you that it was more than I could even understand in a short time. 

Further, when I contacted the regional manager for WSFS, he lied to me, telling me that I was merely acknowledging the receipt of the terms, not necessarily accepting them. This is not true. 

I contacted 5 members of the executive team and wrote a certified letter to the legal team asking for the terms to be explained to me, but they have not responded. 

I don't understand the rules of banking, but I feel that holding people 's money hostage like this could, or should, be illegal.

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 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Credit Karma, LLC
State: IN

Complaint narrative:
My wife and I filed our taxes on XX/XX/2023 with XXXX XXXX. We opted for a refund advance and were required to open a Money Spend Account with Credit Karma, which my wife did. We received our advance no problem, it was for {$1000.00}. On XX/XX/XXXX the account was closed with no notice and the remainder of our tax refund was due to be deposited on XX/XX/XXXX. We tried virtual chat and was given a number to call so we tried that. We were told they could offer us no information and to look for an email which we still have never received. We made multiple attempts to talk with Credit Karma about the situation and have been hung up on multiple times, once by a supervisor named XXXX. The IRS shows the deposit as being accepted and still in Credit Karma 's possession, the full amount of the deposit was {$7100.00} this is before the advance and fees are taken. Credit Karma claims to not see any deposit and there is nothing they can do. The IRS gave us a trace number for the deposit and once again we were told by Credit Karma they could give us no information look for an email. This delay in receiving our money has forced my wife, stepson, XXXX  brother in law, and myself into being basically homeless, we currently are staying in a friend 's spare room. I just want our money. We paid for this service and they seem to be holding our money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: VA

Complaint narrative:
I asked the credit agencies to validate the information that's reporting on my credit report and they have failed to provide me with this information and its negatively reporting on my credit report. According to the Fair Credit Reporting Act. 15 U.S. Code 1601 Truth and Lending congress states that accuracy and fairness of credit reporting should be reported.

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief