vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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: CA

Complaint narrative:
Put Consumer Reporting agencies on notice that all accounts should be validated pursuant to 15 USC 1692g. Without written consent with instructions 15 usc 1681b ( 2 ).

an Extension of credit, or experience should not be shown on my consumer reports. Companies did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: CA

Complaint narrative:
Put Consumer Reporting agencies on notice that all accounts should be validated pursuant to 15 USC 1692g. Without written consent with instructions 15 usc 1681b ( 2 ).

an Extension of credit, or experience should not be shown on my consumer reports. Companies did not respond.

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 2022-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I wanted to know if there were any recourse of action being a pervious Navient lender borrower since there were many who had the lender that received refunds due to Navient mishandling of their student loans. I wanted to know if my case qualifies for the refund. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: MA

Complaint narrative:
All of these hard inquires are fraudulent I didn't authorized these inquires i never applied with these companies Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Collections

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 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY

Complaint narrative:
Since the bank informed me in early XXXX that they will not entertain accounts for non-residents any more I am trying to transfer my balance ( medium XXXX XXXX  ) to another account in the XXXXXXXX XXXX  to today that could not be done due to restrictions imposed by the bank on the total of monthly transfers. Mountains of correspondence, lots of phone calls did not bring about a solution, a notarized form calling for the cancellation of the account and transfer of the balance sent on XX/XX/XXXX has not have any results either. It is in my opinion inconceivable that such easy and normal transactions can not be executed in a reasonable time and customers therefore can not dispose of money rightfully theirs.

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 2022-08-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reached out to Equifax this morning and explained that upon looking at my consumer report I noticed accounts on my report that I had previously disputed. I also made several attempts to remind the representative of their duty pursuant USC 15 1681A. Also, how they have made grave error and are neglectful in remedying my affairs. I also stated to the rep USC 15 1681E ( b ) assures that I'm due accuracy on my report based on federal law. to no aval there was nothing done. Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX my husband and I purchased a large tile order in store at XXXXXXXX XXXX XXXXXXXX and opened a XXXX XXXX XXXX  credit card at that time with 0 % interest for 1 year. 
XXXX XXXX we realized the tile we purchased which we were given part of the order on site and the rest we were told was back ordered was actually discontinued. 
XX/XX/XXXX the company resolved the issue returning the tile already purchased and selling us a new tile that was not discontinued, we had to pay our contractor a large fee to remove the tile already installed XXXX XXXX we had paid off almost all of the balance except for {$600.00} at which time I called XXXXXXXX XXXX XXXXXXXX to understand when the 1 year 0 % interest ended because the statements were saying XXXX but we had returned and made a new purchase. I was told at this time that they would update the credit card company to tell them the XXXX purchase date XXXX XXXX the date had still not been updated so I called XX/XX/XXXXagain at which time i was told again it would be updated XXXX XXXX I paid off the remaining {$500.00} balance but when the statement arrived I had been charged interest as if I hadn't paid the balance in time for the 1 year as the still had not updated it to XX/XX/XXXX XXXX XXXX I call Comenity bank who tells me to file an official dispute and i upload evidence and receive format letters saying that the date of the ending of the 1 year interest free was on the statements and not addressing that I had been told it would be changed to the correct purchase date -XX/XX/XXXX and XX/XX/XXXX I call repeatedly to try to fix the issues XXXX XXXX I call comenity bank again at which point I am escalated to a manage who tells me I shouldn't pay the bill when I expressed my concerns that it is showing on my credit report as a delinquent account but rather to get a letter fromXX/XX/XXXX explain what has happened XXXX XXXX I work with the store manager who tells me they have asked corporate headquarters to communicate with the credit card company to resolve the issue after no resolution I called comentiy bank again and spoke to them for 2 hours and a supervisor told me she was going to investigate but I have still not heard anything back, I am being harassed by their collection branch who refuse to help me and my credit score goes down every month

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I received a {$200.00} Vanilla Gift Card as a gift on XXXX XXXX. I had saved it and kept it in my dresser drawer until XX/XX/XXXX. On that day, I had planned to do some grocery shopping and called the XXXX number on the back of the card to make sure I didn't have to activate the card prior to use. 

To my surprise, the card had only {$6.00} and change remaining. A purchase for approximately {$190.00} had been processed on XXXX Knowing that I had not made the transaction, I immediately called Vanilla and reported that the card had been stolen. I filed a dispute for the transaction on that day, XX/XX/XXXX. I was told that in order to investigate my claim, I would have to fill out paperwork. However, knowing that federal Regulation E requires that the investigation commence upon my verbal notification that an error ( fraud ) had occurred, I was looking forward to a speedy resolution. The card was closed immediately leaving me with no access to even the {$6.00} that had not been stolen. I did, however, complete the required paperwork and returned it per Vanilla 's email instruction on XX/XX/XXXX. 

I heard nothing from them and, on XX/XX/XXXX, resubmitted the completed paperwork. Still no response, no communication whatsoever was received. Today, XX/XX/XXXX, I called to follow-up again and was told that since " they didn't receive my paperwork '' ( which I had submitted twice ), there was nothing that they could do and that they would get to it " when they can. '' I remain out the {$200.00} today and am having to jump through hoops to get back money that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
Hello. My name is XXXX. And this is my third attempt to obtain my credit report from Trans Union to no avail. I have uploaded a screenshot of my last attempt. I am using the XXXX in hopes of obtaining my consumer report from Transunion.

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 2022-08-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have an unverified bankruptcy reporting on my credit file. I reached out to the courts to verify the courts method of verification with the credit agencies and the courts responded saying they do not in any way report to the three major credit agencies. I mailed the letter I received from the courts as well as a request to remove the unverified account to all 3 credit agencies. I never received a response in writing but when I called to check the status of my request, the credit agencies responded by saying they could not authenticate my letter from bankruptcy court. I responded by resending the letter from the courts only this time I had both my dispute and response from bankruptcy court notarized. I have received a response from 2 of the 3 credit agencies stating that the account has been verified by the credit agencies even though the courts say they do not communicate with these companies. Please help assist me in having this unverified account removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt Make sure it was reporting 100 % correct. 

In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-08-08 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: GA

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts and inquiries. When I called, I was told I had 3 files and they needed to be merged. I did not consent to that, XXXX the rep did it anyway. Once she did that I started receiving updates of hard inquiries that Ive never seen before and accounts. Pursuant to 15 usc 1681a ( 4 ), they did not exercise grave responsibility on my behalf. They were unfair. I never consented or instructed them to furnish this report in the first place. I am demanding that these items be removed asap. They gave violated me under the FDCPA

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 2022-08-08 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: GA

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts and inquiries. When I called, I was told I had 3 files and they needed to be merged. I did not consent to that, XXXX the rep did it anyway. Once she did that I started receiving updates of hard inquiries that Ive never seen before and accounts. Pursuant to 15 usc 1681a ( 4 ), they did not exercise grave responsibility on my behalf. They were unfair. I never consented or instructed them to furnish this report in the first place. I am demanding that these items be removed asap. They gave violated me under the FDCPA

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 2022-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: RI

Complaint narrative:
In XXXX I needed a loan modification and HUD agreed, and gave me a partial claim loan for XXXX. I purchased the house for XXXX in XXXX and currently owe XXXX. I was only behind XXXX. That leaves XXXX that I owe HUD and XXXX to the mortgage company. If I was only behind XXXX why do I owe so much to HUD on top of my mortgage. My payments monthly are XXXX and wasn't lowered that much. I'm asking the company for a break down to better understand how I'm behind XXXX. It's like I'm paying for money I didn't receive and where have my monthly payments been going since I owe more than what I bought the house for.

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 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AFFIRM INC Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: PA

Complaint narrative:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Credit card account has two types of balances in the relevant period - a balance with 0 % promotional APR until XX/XX/XXXX ; and a regular interest-bearing balance for ordinary purchases. Since the making of the balance transfer with 0 % APR on XX/XX/XXXX, I have been making fixed monthly payments of {$700.00} ( plus some in a few instances ) and spending way less than that per month ( up to $ 300 month XXXX, most months under {$100.00} ). Instead of applying the payments to the higher APR purchase balance, the bank appears to have been applying them to the 0 % balance instead. As a result, the interest bearing balance has continued to accumulate up to {$930.00} now. This is despite the fact that until the XXXX statement, not once did I spend more than {$700.00} on this credit card since making the balance transfer ; meaning the interest bearing balance should have been XXXX after every single billing cycle and should be approximately {$100.00} at most right now. Instead, the bank has been charging me on interest on seemingly random amounts of a total " purchase '' balance for at least a year. 

After I called the bank and informed them of this violation of the Credit Card Act in XXXX, the customer service rep agreed to refund all interest charged and fixed the issue. On or about XX/XX/XXXX I noticed another interest charge on my account on XX/XX/XXXX. I attempted to call the bank to resolve the issue on XX/XX/XXXX. I explained that the interest charge in question is contrary to the Credit Card Act, but the customer service rep kept repeating that they " requested the charge be waived but my request was denied. '' I repeated several times that what the bank had done is in violation of the law and is not something that they have the option not to remediate, she said all she could do was make another request ( which she did, and which was also denied according to her ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
There is a Company for cryptocurrency trading platform called XXXX. 
I transferred money from XXXX and XXXX to the XXXX platform for trading. 
I built up over XXXX on this platform, recently due to a minor mistake, they froze my account totally and won't let me use my money for trading or withdrawing until I pay them XXXX dollars more. I want to report this scam or fraud for investigation. They are bulling me for an extra XXXX for no good reasons, If I don't pay them in 5 days they will take over the account and will delete my account, and will own all my funds. 
Please help me and I don't know what to do with this company. I was introduced to the company by my XXXX friend from XXXX XXXX who had never met her in person. Her name is XXXX XXXX and she claimed she is living in XXXX XXXX with her daughter XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX Please investigate this account and remove if theres anything missing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received an e-mail from Synchrony Financial that my payment was past due. I set up my account on auto pay ( their auto pay ) to be timed to pay my account in full before the promo expired. Apparently their system shut it off and when on the phone with a representative today, she did not know why. She immediately refunded all of the interest and fees, and took my last payment to pay in full. When I asked her to ensure I am not reported past due ( I asked 3 times ), she repeatedly told me to file a dispute and call customer service. To me, this is an act of consumer harm under the eyes of the UDAAP act, and I as a consumer am left hanging with no recourse other than a credit dispute. I have sent letters to XXXX XXXX ( Board of Directors head ), XXXX XXXX ( President & CEO ), XXXX XXXX ( Chief Audit Executive ) and the Customer Complaints Group. Consumers should not have to go through this. As a result, I will no longer do business with them as this is the 2nd time this has happened in the last 7 years.

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 monetary relief