vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the credit bureaus but they did not remove them, nor prove validation.

Under Sec. 602 FCRA " I have a right to privacy '' XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Unspecifies Account Name Account # XXXX Unspecifies Account Name Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or 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 an account without my written instructions. 

I have attached XXXX XXXX credit profile showing inaccuracies and inconsistencies reported to all 3 credit bureaus including XXXX, XXXX and Tranunion. Also XXXX XXXX and the 3 credit reporting agencies failed to provide verification that I owe this debt. I have also attached a letter that I sent XX/XX/2020 of my request. I have reached out to this company several times by letters and phone calls. Per phone calls representatives instructed me to request a dispute and that is what I did.

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 2023-01-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or 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 an account without my written instructions. 

I have attached XXXX XXXX credit profile showing inaccuracies and inconsistencies reported to all 3 credit bureaus including XXXX, Experian and XXXX. Also XXXX XXXX and the 3 credit reporting agencies failed to provide verification that I owe this debt. I have also attached a letter that I sent XX/XX/2020 of my request. I have reached out to this company several times by letters and phone calls. Per phone calls representatives instructed me to request a dispute and that is what I did.

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 2023-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
The company has charged off and closed the account back in 2020 and reopened it, and charged it off again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank close 3 of 4 card for me claiming it was because of security issues, please explain why one account is still active and Im the same person this makes zero sense. I provided and required documents. I attached screenshot of the account that is still open and the others that was closed. I also call them to update my address on the active account and they refused to change the address, Im XXXX XXXX in the military and for the pass 6 months Ive been moving a lot for training. Why cant I update my address on active account or set up online account to my payment to my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-05 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 XXXX XXXX account # XXXX and 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 state a consumer reporting agency can not furnish a account without my written consent.

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 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited {$1000.00} cash ( XXXX {$100.00} bills ) at a Chase drive-thru ATM on XXXX XX/XX/2023 at XXXX XXXX and the machine did not reflect the deposit. The ATM was functional until after it took my bills, the screen showed a spinning circle, then it gave me a receipt that directed me to call their XXXX phone number. I parked and went inside the physical branch and informed a teller, who told me to call the XXXX number because the ATM is handled by a third party. I called while in the branch and spoke to a customer service person named XXXX. He said my deposit will be reflected in 2 hrs or up to 1-2 business days. 

I called again in the afternoon because the deposit hasnt shown up and spoke to both XXXX from XXXX department who transferred me to XXXX in XXXX department. They both told me it could take up to 48 hours for the deposit to show while they investigate. 

I checked again this morning and still no deposit. This is absolutely unacceptable since the bank has a person who empties that ATM and has seen the discrepancy yesterday, in addition to their security camera that had to have recorded my money going inside the machine. How can the bank get away with keeping my cash- not check - deposit for days? 

Please help me get my {$1000.00} back as soon as possible. The Chase bank address this occurred is XXXX XXXX XXXX, XXXX, TX XXXX. The receipt shows Term ID : XXXX with Sequence XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
All known ( XXXX  ) customer service numbers answer but do not allow for any prompts and will eventually hang up. 

There is no online option to make a payment via their web portal. 

At this time i do not know of a way to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains a Charged Off on my credit report on XX/XX/2020 for my ( Genesis FS Card Services ) Indigo Platinum Mastercard. In which it was supposed to be a goodwill XXXX Also, I never had a Milestone Gold Mastercard in XXXX. XXXX XXXX 

I want you to know that I understand my financial obligations, and if it weren't for the circumstances of my XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and me being XXXX with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX to XXXXXXXX XXXX  wasnt a great year for me at all. 
I know I missed payments to Indigo Card Services, and it was sold or transferred to XXXX XXXX XXXX, in which I did pay the account off in full for XXXX on XX/XX/2020. I feel that if I didnt suffer through those circumstances Id have an excellent repayment record with Genesis FS Card Services to this day. 
I made a mistake in falling behind but since then, I have been focused on paying off my debt. Since then, I've committed to on-time payments. It comes to my attention that I have a Charged Off account. This blemish could hurt my ability to qualify for a XXXX XXXX XXXX XXXX XXXX XXXX  ; I feel that my misfortunes shouldnt reflect my creditworthiness and commitment to repaying my debts. 
Genesis FS Card Services It would help me immensely if you could give me a second chance and make a goodwill deletion to remove the Charge Off on XX/XX/2020. 
Thank you for your consideration, and I hope you'll approve my request. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
Im behind 2 payments due to an unforeseen situation. I can continue making my payments just need help with the 2 I am behind on. I have filled out cross country mortgage loan modification paperwork and sent in required paperwork XX/XX/2022. They requested more information and I sent it in. This has gone on for several months. The last information, they requested, I sent in on XX/XX/XXXX. I havent heard anything further. In the 3 months I have been trying to get help with them I have sent information to them they their loan solution website and emailed ( some info requested I had to send several times ). When I call to speak with my loan specialist ( or anyone that can tell me what is going on ) you are unable to. Whoever answers the phone can note my concerns and thats it. Not one person has called me, but they can have someone sneak one my porch to hang a yellow note on my door to call them ( and no they dont knock on the door to talk to me ). Its a bit disconcerting when every time I call for an update their first question is are you living at the property. Now since Ive called them a lot in the last 3 months you would think they would have written this down. I would appreciate any help. Im trying to recover from my hardship, salvage my credit and mostly keep my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is report XXXX XXXX on my consumer report although they're reporting an inaccurate address that's not even on my consumer report but, verified as accurate. Clearly makes no sense & it's a clear violation of the FCRA due to inaccuracies. Remove this erroneous item XXXX this instant.

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 2023-01-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
We have made multiple attempts to verify employment with Mohela for the XXXX and it continues to show employment not certified. 

We have contacted them directly, refaxed multiple times as requested and still no employment verification as been completed. This has been on going since XXXX of 2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
In the documents below, you can see autopay was scheduled for the XXXX of XX/XX/2023. The company took the payment on their own in advance of the autopay. In my bank I didnt have enough funds, because I get paid on the XXXX and on the XXXX of every month. They charged me a {$35.00} fee, when they messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: U.S. BANCORP
State: GA

Complaint narrative:
I took a look at my credit report on XX/XX/2023 and saw that US Bancorp inquired a hard pull from XXXX. I disputed the inquiry with XXXX immediately and within 24 hours I was given notice that the inquiry was valid. I immediately called US Bancorp and was told that I would need to submit a complaint to the Customer Recovery Department by mail. I informed them that I am not a customer, therefore I have no account name or number. I was told to send the complaint but leave the information blank. This is a recipe for a waste of money, time, and resources. So I decided to come straight to the source to get results. I need this off of my report immediately. I have been building my credit for the past 3 years. I have been very intentional and strategic with every move that I make in regards to my credit. Please look into this for me.

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 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
There is a medical charge card, Care Credit, there is no selection for this type of card provided. I opened this account back in XXXX at my doctor 's office through their receptionist. The terms that the woman described when I opened the account and the actual terms were completely different ; as she opened my account on the computer at the reception desk with only my name, ss # and birth date. The receptionist at the doctor 's office mentioned there was a promotional interest rate with all new purchases and/or medical procedures done on the card, so I decided to apply and use it. No one ever showed to me or told me that if I didn't pay off the full balance before the end of the deferred interest rate period, that my percentage rate would go up an exorbitant rate ; this is criminal and should not be allowed. Case in point : my balance went up by {$2600.00} on XX/XX/XXXX, and I never even purchased that amount of charges in XXXX ; that was just interest from previous charges on a deferred interest rate, so they said. 

I called the Care Credit XXXX owned by Symphony Bank ) and they said these are valid interest charges they adding to my balance since I did not pay the entire balance before the special interest charge deferment period ended. Therefore, they added {$2600.00} to my TOTAL BALANCE on XX/XX/XXXX saying that is what I owe now ; which has made my minimum payment double and I am currently on unemployment since I lost my job in XXXX. THIS IS DECEPTIVE and wrong! I never agreed to this!! This terminology used by the doctor 's office is misleading, and when the receptionist opened my account, this stipulation on the interest free period was NEVER given to me or relayed to me ; therefore, I had no idea about this until I received this huge bill all of a sudden from Care Credit. 

I feel that Care Credit purposely does this so they can get people to charge services at medical facilities without the suspecting customer knowing the deceptive, tricky, underhanded way Care Credit deceives their customers into thinking this is a viable way to pay for any medical services not covered under medical insurance. I have read online that Care Credit has a habit of doing this in the past and was fined for it ; it seems that they have not changed at all and still performing these deceptive business practices because the fines are negligible and the US Govt. doesn't seem to want to stop them. No company should be able to trick and deceive their consumers, especially when there is medical procedures and practices involved with the credit.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I TRY TO DISPUTE INFORMATION WITH XXXX, EXPERIAN, XXXX THAT'S NOT TRUE I HAVE DONE EVERYTHING AND STILL NO ONE IS HELPING ME

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 2023-01-05 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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
When I opened my account at Chase I specifically asked for an account without overdraft so that I would not have to pay any overdraft fees since I rely on Social Security. 

However, my XXXX account was automatically renewed about XXXX XXXX, XXXX  when the subscription actually ends in XX/XX/2023 ( one month earlier ) and my account was overdrawn by about {$90.00}. This action would have incurred the overdraft fee which I tried to avoid when I opened the account. 

I contacted the Bank about it because I thought that " no overdraft meant NO Overdraft and the representative told me that since it is a subscription it automatically comes out and that I should contact XXXX. The representative finally told me that is a safety account that has the feature I want, and naturally there is a fee for that. 

As a result, I had to cancel my XXXX account to avoid the fee.

Company response to consumer: Closed with explanation