vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account XXXX Account Name : XXXX Account XXXX XXXX XXXX XX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 )  the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-06-02 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account XXXX Account Name : XXXX Account XXXX XXXX XXXX XX/XX/2023 - Unauthorized Inquiry According to XXXX XXXX XXXX ( XXXX XXXX the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-06-02 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: TX

Complaint narrative:
I am applying for an equity line of credit and during the application process, my banker identified an account from XXXX XXXX XXXX XXXX. Which showed in my credit report as a bad debt, nonpaid. I have no idea about this loan, I have never owned a XXXX vehicle or ever financed a car through them. I called XXXX XXXX on XX/XX/XXXX, and I found out there is another loan under my name and social security number for a XXXX XXXX XXXX under my name and someone else. XXXX XXXX tells me the entire process will take about 30-45. It's so unfortunate that I have to wait that long for identity to be determine and I am in the process of applying for a mortgage loan because this is making it very difficult to get the loan. I appreciate your prompt response and attention to this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Welcome Home Finance
State: PA

Complaint narrative:
I was working with XXXX XXXX from Welcome Home finance, I was constantly asked for documentation that he already received from me on more than one occasion! The terms and conditions were constantly changing from week to week and day by day! I was misinformed or not informed about money or items that were needed for closing costs and reserve money! But my final straw was he ran my credit report 2-3 times within a 2 week span that lowered my credit score to null my qualification to get a loan for a house! In total I believe XXXX ran my credit score a total of 5-6 times since the beginning of XXXX, theres absolutely no reason he needed to run my score this much! Since he did so now Im disqualified from up taining a mortgage with him or with any other mortgage company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TX

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. 
The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-06-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am applying for an equity line of credit and during the application process, my banker identified an account from Toyota Motor Vehicle Finance. Which showed in my credit report as a bad debt, nonpaid. I have no idea about this loan, I have never owned a XXXX vehicle or ever financed a car through them. I called Toyota Finance on XX/XX/XXXX, and I found out there is another loan under my name and social security number for a XXXX XXXX XXXX under my name and someone else. Toyota Finance tells me the entire process will take about 30-45. It's so unfortunate that I have to wait that long for identity to be determine and I am in the process of applying for a mortgage loan because this is making it very difficult to get the loan. I appreciate your prompt response and attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
The response from the bank did not address the missing amount of XXXX XXXX in my account that is owed to me via a check or ACH payment. 
So am providing an address that is not in their system to receive my check via USPS delivery Should they have problem releasing my funds to me. 
I authorize them to return all funds to the sender. 

At this time they are accountable for the specific amount Plz I need a full explanation to my email address from the bank, which I did not received. 
About the amount since the account was locked. I was told that no funds could leave the account 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 explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
woke today see my account was negative {$1000.00}. I called the bank imagine that there is an error where it was duplicated A charge. They mentioned that I can use my card without any fees ( They think that they are doing a favor by doing that while they are the one who made the mistakes and prevent the rest from getting to our money ). I use the card at a grocery store and still got declined. When I call to complain they hung up on me and just said to wait until XXXX XXXX. On Friday I usually do all of my grocery shopping and that's when I get most of the stuff for my family. When we make mistakes we get charged fees when they make mistakes we're supposed to shut up and take it. I thought this is America.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC.
State: NY

Complaint narrative:
I have a timeshare with XXXX XXXX XXXX and I constantly don't get the bill for the dues owed annually. They are due by XX/XX/XXXX. On XX/XX/XXXX the company sent it to Pinnacle collection agency without a initial bill nor any late notices. After recieving notice from Pinnacle I checked on XXXX XXXX and they have my correct address, email and phone number. The invoice said I owed XXXX plus XXXX in interest. Pinnacle added XXXX in collection fees. I immediatley paid the XXXX on the Pinnacle website stating that I would only pay XXXX XXXX dues and that if they wanted to send me an invoice for a law abiding amount of collection fee I would send it to pinnacle. Pinnacle sent another letter on XX/XX/XXXX that I owed XXXX to XXXX XXXX for dues and them XXXX. They keep changing the amount and I have repeatedly asked for ; 1. an original bill from XXXX XXXX 2. any notices XXXX XXXX sent me 3. what basis they have a XXXX fee for collection I just get nasty responses from XXXX and " we can't talk to you '' from XXXX XXXX. 
from what I gather NY has a 22 % maximum collection fee ( where I live ). XXXX XXXX has a posted 0.0493 % interest late fee. For XXXX days after XX/XX/XXXX today would give me a balance of original dues owed XXXX plus XXXX interest and XXXX monthly late fee equals XXXX. Today I will pay the difference of XXXX for {$260.00} to XXXX XXXX XXXX and want to get rid of this timeshare as they constantly do this!! 
I have copies of last years bill, the XXXX invoices from pinnacle and proof of payemnt of the XXXX. A 40 % collection fee is far beyond normal to charge and Pinnacle already took it out of the payment I made for XXXX XXXX stating I only paid them XXXX or so dollars so far. Please advise as I do not not pay my bills when I know about them but I will not pay for ransom!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My XXXX XXXX XXXX   was hacked recently by two phone numbers : XXXX XXXX Both have been traced to a XXXX XXXX. There's a police report in XXXX  and one filed in XXXX, where I live. This individual has had access to my bank information, credit card, photos, messages, and private details for over a month, according to Apple. 

While dealing with the charges made w/o permission on my Apple Goldman Sachs Card , Goldman Sachs proceeded to remove over XXXX XXXX from my XXXX Checking Account on Wednesday, XX/XX/XXXX. It was only returned after I put a stop payment on it. 

The following day, Thursday, I woke up and saw I was missing {$880.00}. The charge came from XXXX XXXX. All my credit cards ( except for the Apple/Goldman Sachs card ) are in debt consolidation. I was forced to call again and ask for a stop payment ( again with a fee. ) I never approved either transaction, nor did I receive a notification from any of the institutions letting me know I have been told this is against the law. I reached out to XXXX XXXX XXXX and reported both as fraudulent charges as of XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX PT, I logged into my account at Chase and noticed that I had an abnormally low balance. I checked my account activity only to realize that a payment I had sent was debited twice. 

I immediately called Chase and was told the issue was known, there was no immediate resolution to the problem, and that I would have to wait for the problem to be rectified to get access to the money. 

Chase did not notify me proactively at any point about this supposedly known issue. Chase has offered no compensation for the inconvenience and continues to offer no solution other than to wait until they can resolve the issue. 

As far as I'm concerned, this amounts to Chase withdrawing money from my account without authorization and it should be investigated immediately. Chase customers should be compensated for this issue. Chase should be penalized for the negligence in failing to protect customers from the issue and failing to notify customers of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
This is with American Express. I suffered sickness and then care of family members due to XXXX, while sick and incapacitated I still reached by phone to make payment arrangements with all of my creditors only American Express used forced arbitration means by adversely not honoring the payment arrangements as specified by their advertisement on relief program within their control and tried to process payments not under the arrange agreement made via the customer service representative. They initiated adverse action s still within one month by canceling the credit cards and initially locking me out of manual payments. American Express force the situation into a payoff action only and then told me I have to re apply for the cards again after I pay in full all of the balances. This is not fair as they forced arbitration while advertising relief with reduced payments and arrangements that was not followed through on their end. As a consumer I believe this is an unfair practice as I will suffer the XXXX XXXX lowering and adverse action by canceling the credit cards losing rewards points and status while they collect the remaining balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
My loan payments are due the XXXX of every month and for convenience I chose automatic payments. I finally read XXXX of my statements and realized the balance wasn't going down. Around XX/XX/XXXX I spoke to XXXX from Aqua Finance resolution department to discuss interest fees 13.99 %. I found out that out of the {$650.00} I pay every month only {$100.00} is being applied to the principal balance of {$47000.00}. I've had the loan since we started building our pool in XXXX. I spoke to XXXX about refinancing the loan and she said that it wasn't an option and that interest had accrued since before the pool build was completed. So it seems like I'm just paying back interest and the loan will never be paid back if only {$100.00} is being applied each month to the balance. I asked her if I could pay half {$320.00} twice a month and she sent me the link for Pay Near Me so I am able to do that. However, my husband began getting calls that we were behind on payments and they started charging a {$10.00} late fee. They said if they don't received full payment within 15 days they automatically charge the late fee, I was still making the total {$650.00} payment by the end of each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
First of all, I did not give Honda Finanical permission to give my information to any other institution. That is in total violation. You did not have my consent. 

1681a Consent and Priviacy. I am making a demand not a dispute.You were unfair and you did not respect my right to privacy. I want to speak to the Fraud Dept and Supervisor. 
15usc 1681a3 I have file a CFPD report and can give you the complaint number. I did a voluntary repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Today XX/XX/XXXX I called JP Morgan Chase to make a payment on the loan that was transferred to them from my old servicer rocket mortgage. At first they were unable to find any account information but then the conversation proceeded into them not being able to accept a payment because my " transfer had not been completed '' and that there was a XXXX blackout for any payments being made. I went to a branch to physically hand them a check and was threatened with the police being called if I were to just leave it in the branch. This conversation was had with the branch XXXX in XXXXXXXX XXXX XXXX 

I have received no paper communication from JPMorgan Chase as of today only a text message and a few emails. 

I believe this mortgage servicer is in violation of the terms of the agreement with them because they will not allow me to make a payment. 

I have attached a picture of the document that I had intended to leave with the bank, pertinent information redacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I was scammed by a person i thought was a Frost Bank representative using an actual Frost phone number ( XXXX ) XXXX. I lost {$11000.00} by getting instructed to transfer ( {$6000.00} ) through XXXX ( XXXX Phone # XXXX ) and was instructed to transfer another ( {$5000.00} ) to XXXX XXXX to XXXX XXXX the scammer Acc. # XXXX Route # XXXX. All this happened because i was told by the Frost representative someone was trying to take money out of my account through XXXX an he could reverse it. When i called the XXXX number that he called from listed above it is an actual Frost number. So when he called back i knew or thought it is legit.. 
Frost bank concluded the investigation and said there was no error. But what about the scam? they have all the info above to be able to track this guy down along with the bank and account number it went to. They are not trying to help me recover the illegal wire fraud transfer Please help i am wiped out and nothing to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: CO

Complaint narrative:
See Attached - I sent the wrong attachment with my first complaint for Experian so I am resubmitting with the correct attachment for the correct company.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This credit card 's customer service is totally ridiculous and a disaster, first of all they take forever in verifying the account, and then secondly for every small inquiry I have they keeop on transferring me from one department to another. 

The online chat section is worthless because one person is taking care of multiple inquiries, I had problems with the credit card yesterday and I made a complaint with CFPB and today I am doing the same. 

I don't understand why you guys ask the customers name to verify the account when there are so many different nationalities living in XXXX with different names and it's very very hard for the customer and the customer service agents to understand the name, it should be plain and simple, you should be just be asking about the credit card number, the date of birth and social, thats it, XXXX is making it unnecessarily complicated and difficult to verify the account. secondly, I called in today to know that how can I use the accumulated point on my credit card, the customer service did not have an answer of it and wanted me to tranfer to the rewards department, if the customer service doesn't have an answer of this small inquiry, why are they sitting over there?

Company response to consumer: Closed with explanation