vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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:
On XX/XX/2023 I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. Please update/delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter. Attached is the dispute letter I sent your company which is dated and time stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MI

Complaint narrative:
I submitted an application for a Income Driven Repayment for my Parent Plus Loan on XX/XX/2023 and also a consolidation loan application. When I login to my FAFSA account it shows that the IDR application was submitted on that date and is still pending, but the Consolidation Loan application was completed ( which was submitted on the same day ). FAFSA told me that I need to communicate with the fiduciary that was assigned to me. The company is Edfinancial Services. I was able to login to my account with Edfinancial, but it does not show that my IDR application is pending or any confirmation that they have received my IDR application. 

I started trying to communicate with them ( via phone and chat ) on XX/XX/XXXX, wanting to confirm that they are processing my IDR application. I've requested call-backs each week since that time, and have not received any communication. I've started calling earlier in the mornings requesting call-backs, and decided to stay on hold and wait for a representative to answer. These are the calls ( I have screen shots from my phone, if needed ) : XXXX, XXXX, XXXX, 4 minutes, requested call back XXXX, XXXX, XXXX, XXXX minutes, requested call back XXXX XXXX, XXXX, 3 hours 58 minutes, requested call back XXXX XXXX, XXXXXXXX XXXX, 7 minutes, confirming call back prompt XXXX XXXX, XXXX, 3 hours 57 minutes. 
XXXX XXXX, XXXX incoming call while I was waiting on the line with them. I answered and stayed on the line for 22 seconds saying " hello '', but there was no one on the line. 

This is completely an unacceptable business practice, and I feel forced into working with a company NOT of my choice. We should be able to research the financial institutions- and have a choice of the fiduciary that we will be trusting for the next 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Unauthorized Card Transactions. On XXXX XXXX I was reviewing my bank statement and noticed transactions that I did not make. I had my card in my possession and did not authorize anyone to use my card. There was a lot of transactions that was made from XXXX, XXXX and other stores in Washington XXXXXXXX, and I havent been to Washington. I live here in California. Also while I was talking to the investigation unit from the bank, I noticed too that someone just used my card that day. It was started XXXX XXXX and just noticed the transactions XX/XX/XXXX. I have checking account with Citibank but I just keep getting letters from them that they needed more proof for the investigation. I gave them my bank statements already from the time the unauthorized transactions were made. Citibank says they dont have enough information to complete their research. But they have all the information like my bank statements. The total of the unauthorized transactions are {$3000.00}. Citibank dont wan na give my money back. Kindly pls help me regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: GA

Complaint narrative:
I called EdFinancial multiple times in XXXX and XXXX but was met with ridiculously long wait times. Last week, around XX/XX/XXXX, I called and signed up for a call back, so I wouldn't have to wait on hold for multiple hundreds of minutes. They said the call back would hold my place in line. Then after signing up for it, the last thing the automated voice said was that it might take 24 hours, which seems to contradict the fact that it wouldn't de-prioritize my call and lose my place in line. It's been multiple business days so I still have not received a call back, an email, a text, or anything acknowledging they will be reaching out. I wouldn't be surprised if they fully dropped my request and if I did not keep trying to reach out if I would have ever gotten a call back. Now I am back to waiting on XXXX minute wait times on hold as clearly they do not adhere to callbacks and the information is inaccurate, unreliable, and contradictory. When I go through the chat option on their website, they send me a link that says it is connected to a live agent, and which I click that link to open the chat with the live agent, it turns out there is no live agent. I've attached a screenshot to the complaint in the file attachment section. I have yet to get in contact with someone from EdFinancial and it seems impossible at this point. Student loan payments can not resume if the servicers and organizers are unreachable gating necessary information and payback plans/options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I went down to Chase bank three Saturdays in a row to open a CD. They were sick, they were on vacation, they were busy. They told me to open my own CD on line. I said you have to be kidding me. They said no. I opened a CD. This is the first month I am due interest. It never showed up in my account. I called them. They said I had chosen the option to have my interest paid at the maturity date of the CD. This is NOT true. I was never given that option. I was suppose to see my interest every month and it was suppose to go in my account so I knew I was getting it and I could see what I was getting. I called Chase. The reference number is XXXX. No one could help me modify the CD and said I had to go to the branch????? The whole process was totally misleading. I should not be opening my own CD on line with no one to explain things to me. I opened another CD at another bank and it went perfectly. Chase has zero customer service. When I called them they had to transfer me to four different people before anyone even knew what I was talking about and that person said I had to go to the branch where no one is ever available. I want my interest on my CD to show up either in my CD or transferred to checking account monthly so I know what I am getting. At this point I am getting the run around and am being told that nothing can be done and see you XXXX, XXXX, 2024 and at that time I will know what I am getting and can get my interest money and how much it will be???? I plan on taking all of my money out of Chase on that date and never doing business with them again. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I recently purchased a tesla and did a third-party loan through XXXX. The funds were sent by check from XXXX to Wells Fargo without all appropriate XXXX account information. XXXX uses Wells Fargo as their bank. The check was cashed by Wells Fargo and deposited into the general Wells Fargo auto loans account and not the correct XXXX loans account. XXXX has not received payment and all efforts to work with Wells Fargo and XXXX to correct the issue have failed. Efforts to have XXXX help retrieve funds have been unsuccessful stating that since the check was cashed by Wells Fargo there is nothing XXXX can do. Wells Fargo will not return the funds to 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 2023-09-26 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: GA

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: Block, Inc.
State: AZ

Complaint narrative:
Reason for dispute was I canceled the subscription for the amount of XXXX the date of the dispute is XXXX XXXX rocket lawyer is the merchant name XX/XX/XXXX was the transaction datE. Since then I have requested to speak with a manager numerous times to only be told they can only escalate via email. 4 times I have been told my case will be escalated via email with no response other then my case is denied with no further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MD

Complaint narrative:
I was forced to move from XXXX XXXX XXXX due to loss of a major Contract.On the Morning of XXXX XXXX  I discovered that my XXXX was not in the Underground Parking Garage.I had parked my car in the garage during a severe thunder and lightening storm.XXXX  XXXX XXXX does not have XXXX XXXX.I normally park my car at XXXX XXXX which is across the street from XXXX XXXX. 
I am a XXXX XXXX.And I am responsible for Patient Care at several Facilities in the greater XXXX Area.I was unable to locate my car for several hours.And I was forced to cancel a full day of work.Patients ( And their Families ) were forced to cancel their schedule procedures .Most Patients wait months to get scheduled for their procedures. 
I previously paid XXXX XXXX XXXX a {$25.00} fee to park .This was despite the fact that I had to pay to for XXXX charging several times a week.There was no security for vehicles since vehicles were broken into.And there was no monitoring of vehicles in the garage.Numerous vehicles did not have XXXX XXXX Stickers on their windshields.I witnessed vehicles tailgating into the garage on a daily based.Most without XXXX  XXXX vehicle stickers. 
Warfield Hunter a Collection Agency was given personal information ( My Emergency Contact person 's phone number ). 
XXXX XXXX XXXX was given sixty days notice that I would be vacating.The early termination was based upon the above events.All that were extremely harmful to my ability to earn a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
As I was reviewing my credit report, I noticed an unauthorized inquiry and inaccurate account that are reporting to my name. I am terrified that someone out there has my information and has been using it. This has been making my life XXXX. My credit has taken a toll due to the reporting of the inaccurate information. I am stressing out that my information is being used without my consent, please help! I want to get this issue fixed as soon as possible. I can not literally do anything with my credit looking like how it is. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX stated that I should to contact the bank regarding our house and mortgage this morning. I called what I thought was the bank/ right path- which XXXX XXXX  and attorney XXXX XXXX gave the court. 
These two men then walked out of the courtroom again without making any mortgage or child support payments, since XXXX, as we have been in divorce court for that long. Only the two men- XXXX XXXX and XXXX XXXX have benefitted from the float on the cash over 7 years that theyve withheld from two children, XXXX and XXXXXXXX XXXX XXXX 

XXXX XXXX defaulted on his mortgage in XXXX. 
At the dane time, I took out loans to pay the down payment on XXXX XXXX XXXX XXXX MA, XXXX, in XXXX, and the auction amount and other fees to save the house from foreclosure by XXXX XXXX Im on the title. 

Attorney XXXX XXXX in MA wrote that its hopeless and that he cant help us to fight the bank and that they will take our house and all of my payments. 

XXXX XXXX and the court in XXXX ordered XXXX XXXX to pay his debt and hes in contempt. 

I called right path today and was not able to get information in writing on how to save my only home. They asked me to sign the deed over to them and give them my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: AZ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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