vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
Fedloan stole {$12000.00} from my bank and has not applied it to my student loan balance. 
I made a {$12000.00} payment to FedLoan on XX/XX/22. One day later, on XX/XX/22, I tried checking my account but received an error message that they no longer service my loan. When I called Fedloan, they acknowledged that they still have my loan and see my payment, but can not show it to me. When I log in to the Fedloan website, there is no record of my loan amount or the payment I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On or about XX/XX/22 received marketing call from Chase offering a 0 % APR credit card. The caller said I could transfer my Chase Amazon balance of about {$3500.00}. I asked how much the fee was. He said " XXXX XXXX ''. Someone else might not have asked more questions- the fee was {$990.00}. Usurious fees and misleading presentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Payment for {$5.00} made through bill pay on XX/XX/22 was not initially credited by XXXX 's XXXX XXXX  company ( Comenity ) because it was sent to the creditor 's previous address to receive payments. After speaking with Comenity, a second payment for {$5.00} plus XXXX in interest was made through bill pay on XX/XX/22 and sent to the new Comentiy address for receiving payments. Both payments were credited, however, a late fee was charged to the account in the amount of {$13.00} and interest continued to accrue. On XX/XX/22, I went XXXX  and spoke directly with Comenity with the assistance of the XXXX 's employee. I was told that the total at that time was {$17.00} ( more interest ) and would be waived. I closed the XXXX 's credit card account with Comenity at that time. 
Today i received a bill for {$1.00} and was told i would receive monthly billing statements until balance was paid in full and threatened to be reported to credit bureaus. 
This is not about paying the amount I owe, because I did paid more than what I owed just to make the problem go away however, when I tried to correct the payment issue, Comenity did not follow through and continued to charge interest on late fees and this appears to continue even with my efforts and now will jeopardize my credit. It is my understanding that interest can't be charged on late fees but that is what seems to be happening here. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i need all the wrong and old adresses removed from my credit files.

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 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is improperly using my SSN for a XXXX ( C ) ( 3 ) tax exempt Private Foundation. 

An Irrevocable Trust opened a Checking, savings, and investment account on XX/XX/22. Bank of America was given a copy on the Irrevocable Trusts EIN, a copy of the original notarized documents creating the Irrevocable Trust, and a notarized Trustee Certification form for a Cash Management Account for Irrevocable Trust. 

On XX/XX/XXXX an email was sent to Bank of America alerting them to the change in status of the Irrevocable Trust by the IRS into A recognized XXXX ( C ) ( 3 ) tax exempt Private Foundation. 

Bank of America was alerted many times about improperly using my SSN through a few in person meetings, Phone calls and an email on XX/XX/XXXX. 

There response has been the same, refusal to fix the issue.

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 2022-09-10 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: NY

Complaint narrative:
I have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including XXXX. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.

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 2022-09-10 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: NY

Complaint narrative:
I have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including XXXX. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: NY

Complaint narrative:
I have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including XXXX. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.

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 2022-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I noticed that I had dept on my credit that was not on my behalf, my identity had been stolen before and I need this dept to be removed off my credit immediately because this is holding me back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10 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: FL

Complaint narrative:
Account name # XXXX XXXX XXXX Account number # XXXX Account type # Collection Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish A account without my written instructions. 

Account name # XXXX XXXX Account number # XXXX Account type # Rental Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Account name # XXXX Account number # XXXX Account type # Charge Card Responsibility # Individual Date opened # XX/XX/XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I originally purchased the home in XXXX for {$18000.00}. In XXXX I did a modification loan to lower the interest rate. I was charged {$7000.00} to re-modify my loan. My loan was purchased by Chase from XXXX XXXX. I was mislead in signing the loan papers. It was not explained to me clearly that I would be paying 10 additional years on the loan. I feel it was a predatory loan. Im paying to much for the loan by Chase. Ive paid an extra {$200.00} a month to go towards my principal balance. Chase could not give me a clear understanding of what my unpaid balance is. Ive reached out to them several times and was told, we would like to accommodate you, we no longer have the ability to deliver this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Hard Inquiries XXXX XXXX XXXX  XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX- XX/XX/2022 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 XXXX XXXX XXXX- XXXX 2022, XXXX XXXX XXXX XXXX 2022, XXXX- XXXX 2022.

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 2022-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
I reviewed my credit report on XX/XX/22 and noticed there were some recently added derogatory accounts from collections agencies and I believe this is a result of identity theft or fraud and these collections are not mine. XXXX XXXX XXXX for {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX for Receivables performance {$1000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX wa XXXX. 
Froze reports for XXXX, XXXX and XXXX XX/XX/22 and disputed with each credit reporting agency.

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 2022-09-10 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX  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

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 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XX/XX/2022, Synchrony XXXX/Synchrony Bank/Mattress Firm sent me a credit card with my name on it to activate for advertisement purposes. I did not request to have a new card but currently am a customer of Synchrony XXXXSynchrony Bank/Mattress Firm .

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 2022-09-10 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: MI

Complaint narrative:
To whom it may concern, I would like to state that TransUnion is in violation of 15 USC 1681 ( a ) ( 4 ), which states that in relation to accuracy and fairness of credit reporting, The congress makes the following findings : ( 4 ) There is a need to ensure that consumers reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. TransUnion is going out and seeking negative information about me, it is an infringement upon a consumers right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). TransUnion is also in violation of 15 USC 1681b ( a ) ( 2 ) which states ( A ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. TransUnion did not have a permissible purpose, nor did they have my written instruction to report bankruptcy on my behalf, the consumer XXXX XXXX XXXX XXXX. Transunion, without my written consent, furnished negative information about a XXXX  XXXX Bankruptcy XXXX # XXXX on my consumer report. I never gave TRANSUNION or XXXX any written consent to report anything on my consumer report. XXXX alerted TransUnion that Bankruptcy records were deleted from their system and instructed TransUnion to remove the Bankruptcy from my file on XX/XX/2021. It is almost a year later, and TransUnion is still reporting this negative information on my consumer report. I am filing this second complaint because this consumer reporting agency is just violating my rights ; I also attached a letter from the said bankruptcy court in the XXXX XXXX of Michigan stating that they don't furnish anything to the consumer reporting agencies because they know its fraud. Transunion is also in violation of 15 USC 1681a- ( e ), which states The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. TransUnion claimed to investigate the dispute. However, they fail to adhere to 15 USC 1681a- ( e ), which it a direct violation of my rights. I would like this Bankruptcy deleted immediately.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
my bankrupt date is incorrect this bankrupt is over 10 years old please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I make an advance payment and they apply it to principal. then i have to call or chat to fix it. there are two separate boxes, one for payment, one for additional principal. I am making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I have checked apple credit card application, but it was written that it will not impact my credit score. Then, I was surprised that it was reported as hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10 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:
There seems to be information on my consumer report that is result of identity theft. I have tried to have this persons name removed my consumer report. 

This the second request to have this name removed. 
I don't know who this person is. 
This name belongs to someone else.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my bankrupt date is incorrect this bankrupt is over 10 years old please remove from my 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 non-monetary relief
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
my bankrupt date is incorrect this bankrupt is over 10 years old please remove from my 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 2022-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank XXXX XXXX. I made XXXX payments in XXXX ; my regular payment, plus an addition {$5000.00} which was to go to principal. In XXXX Chase XXXX credited this second, additional payment to the principal. Then showing my principal balance of {$1700.00}. I have a printout dated XX/XX/2022 that shows my principal balance of my vehicle was {$1700.00}. 
I then went online the following month, XXXX, to make my regular payment, and Chase Bank XXXX, reversed my {$5000.00} principal payment and counted it toward my XXXX payment! Now they show my principal balance is {$6700.00}. 

We all know they did this intentionally to put more money ( interest ) in their pockets. 

Please help. Please investigate Chase Bank! What they did has to be fraud! This bank is taking advantage of people!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: AZ

Complaint narrative:
I reviewed my credit report on XX/XX/22 and noticed there were some recently added derogatory accounts from collections agencies and I believe this is a result of identity theft or fraud and these collections are not mine. Choice Recovery Inc for {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX for XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX. XXXX reports for XXXX, XXXX and XXXX XX/XX/22 and disputed with each credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I HAVE AN ACCOUNT THAT I HAVE NEVER PAID LATE THE ACCOUNT IS PAID IN FULL

Company response to consumer: Closed with explanation