vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2023-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: DISCOVER BANK
State: NC

Complaint narrative:
I emailed the company on XX/XX/XXXX with a question about an erroneous miscellaneous fee on my loan statement. 

I noticed a {$500.00} client misc fee on each statement for my equity loan with Discover Home Loans. I called to inquire about this, and the customer service rep I spoke with was unable to explain this fee. She advised me to send an email to XXXX requesting an explanation. She looked up the original loans docs and indicated that I did not owe a loan fee, and that I have never missed a single payment, so could not figure out what this fee would be related to, and advised Id need to reach out to the research department for help. This loan funded over 4 years ago and there was no loan fee or application fee, so I dont understand what this could be referencing. I do not owe any such fee. 

I emailed the address above on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not even ackowledged my emails and have never responded at all. I also emailed via discover home loans website message center on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, asking for clarification for this fee, and a copy of my most recent amortization schedule. No one has responded to any of these emails either. I want an explanation for this fee, and I want it to be removed from my monthly loan statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 
Inaccurate Address : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX ; Account : XXXX XXXX XXXX XXXX XXXX XXXX ; Inquiries : XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am disputing my Mattress Firm account furnished by Synchrony Bank. 


Over a year ago, I called Synchrony Bank to close my Mattress Firm credit card account due to financial hardship. 

They close my Mattress Firm account. 

I asked for a payment program to pay the balance I owe to Synchrony Bank. 

They did gave me a payment plan program of {$50.00} to pay on the account every month. 

XX/XX/, my Mattress Firm account was {$1300.00}. 

My current balance on my account has increase to {$2300.00}. XX/XX/XXXX XXXX Synchrony Bank added over {$1000.00} interest on my account after XX/XX/.

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 2023-12-29 00:00:00
Product: Credit reporting 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:
In accordance with the credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the credit reporting act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an 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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the credit reporting act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to follow up on my previous correspondences via mail and through the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the removal of disputed negative items from my credit report. To date, I have not received any resolution or response from your department, and this matter remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to follow up on my previous correspondences via mail and through the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the removal of disputed negative items from my credit report. To date, I have not received any resolution or response from your department, and this matter remains unresolved.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
1- Without previous notice, the company took of my property.

I made payment on the lender website for the full amount owed. ( XXXX, XXXX ) I called the lender to place him under notice as requested, that payment was completed and processed by their system. ( attached confirmation from lender of payment being received ) Lender informed that vehicle had already being taken and that they wanted the total balance of the loan, disregarding the fact that I was up to date with my payments. 
The lender and his agent have taken my personal property without my consent and without previous notice. Disregarding the fact that my account is up to date, no past due amount is owed and depriving me of my personal property, Lender is acting in violation of my property rights under Art. 16 of the US Constitution.

I immediately demand that my property is being returned to me without further due by the lender as he has no rights over my property. 
I further demand that the lender renounce to charge any expenses being collected as a result of his careless negligence. 

I Attached the following information to this complaint.

Lender information : XXXX XXXX XXXX XXXX telephone number-XXXX website-XXXX account numberXXXX XXXX  Evidence of the Lender 's website with the payment amount and evidence that all debt has been cleared out and next payment date is in the future.

2-Lender 's communication confirmation of payment been received through the lender approved means.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My information was sold and bought illegally because i was a victim of the XXXX XXXX XXXXI want these items Deleted from my credit reports effectively immediately.I am attaching proof that XXXX has admitted that i was a victim of this Data Breach and XXXX has done nothing.Please help me Delete these illegal accounts from my Credit Reports. 
XXXX XXXXXXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX I ALSO WANT ALL HARD INQUIRIES DELETED FROM ALL XXXX CREDIT REPORTS BUREAU 'S MADE FROM YEAR XXXX TO XX/XX/XXXX IMMEDIATELLY DELETED.15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I purchased a product from XXXX and used Affirm for the payments on XX/XX/23. This account was paid in full on XX/XX/23. I reached out to Affirm on XX/XX/23 because this account is reported to credit bureaus as delinquent and has been paid in full. I requested they change the status of the account to no longer being delinquent and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXX XXXX  payments of {$3700.00} were sent through the Bill Pay program @ PNC Bank to XXXX XXXX XXXX. This was an error, and I called on XX/XX/XXXX to ask them to refund back to me the second, incorrect payment. I was told they couldn't do anything until the next day when the transaction had " settled ''. So I called on XX/XX/XXXX and I was told I needed to " File a Dispute '' and I should talk with XXXX XXXXXXXX XXXX which I did. XXXX XXXXXXXX XXXX  told me to simply have PNC " Revoke the Authorization '' which XXXX XXXX told me is a very simple process, and is done regularly. However, when I called PNC, they informed me " we don't do that '' ... your only option is to " File a Dispute ''. So, on XX/XX/XXXX I started the Dispute process. On XX/XX/XXXX I was told I would receive a " Provisional Credit '' while they were researching my Dispute, and I should see the credit in my Checking Account by XX/XX/XXXX. However, on XX/XX/XXXX there was no credit, and when I contacted PNC again, they told me no Provisional Credit would be issued, and I must wait " up to 10 business days '' for the Dispute Process to complete. On XX/XX/XXXX they closed out the Dispute as they needed my verbal authorization. They never contacted me for that verbal authorization. Now I am told I must get the funds from XXXX XXXX XXXX 
I was continually lied to and PNC never corrected their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Experian and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : 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 2023-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Throughout the loan, they have recapitalized the interest every time they have placed the loan in forbearance or deferment which has caused the loans to balloon to 289 % of the original value. I am still in school and the policies in place caused the size of my student loans to balloon to an unpayable level which seems predatory in that the loan provider knows that the student will end up paying multiple times what they borrowed. This started with the original loan provider XXXX XXXX and has continued with my current loan provider. The loans are being forced into repayment by XX/XX/XXXXXXXX XXXX and I will not be graduating in my current program until the end of XXXX Without any type of income-based repayment options, I will be unable to make payments being a current XXXX student. These are only two of the loans I have that were taken out in XXXX and XXXX the first year of my XXXX program. With the compounded interest and required upcoming payments, these policies and practices are predatory and disrupt the ability of XXXX XXXX, like myself, to obtain the necessary education without additional financial strain. My cosigner and I are looking into refinancing options due to a lack of options and choices, however, it is still putting a great deal of undue financial and emotional hardship on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I responded to the offer by opening a checking account on XX/XX/2023 and funding with a {$25.00} opening deposit on that date as per the offer. 

The offer was as follows : The participant must fund the account with a {$25.00} minimum deposit within 30 days of account opening and keep {$25.00} in the checking account for at least 45 days to receive the {$100.00} reward. Minimum deposit required for membership of {$5.00}. The rewards will be sent to the participant via digital gift card within 30 days of meeting the 45 day/ {$25.00} balance requirement. 

I fulfilled the requirement by leaving the required depost amount of {$25.00} for over 45 days. 
I did not receive the promised gift card reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-29 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: Chime Financial Inc
State: NJ

Complaint narrative:
Hi my name is XXXX XXXX im Chime bank user unfortunately my account was hacked and stole all my money when I recovered my account successfully im immediately contact with Chime bank i file a dispute claim {$9500.00} and after few days he denied my Dispute. 
When i again and again contact with us for rebuttal the denied again my dispute. 
Plz help me out I am seeking a fair resolution and a refund for the disputed amount.

Please keep me informed throughout this rebuttal process and let me know if there are any further details or documents required.

I trust that Chime Bank will review this matter with care and fairness and work towards a just resolution. 
My Dispute Claim id is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/, I started receiving emails from what I thought was my real estate agent setting up a time to meet with XXXX XXXX XXXX XXXX XXXX XXXX to sign the closing documents on a house I was trying to purchase. I then received email, from who I thought was XXXX XXXX XXXX but was actually from a fraudulent person, with instructions on where to send the XXXX. On XX/XX/, I wired {$120000.00} around XXXX XXXX XXXX XXXX XXXX ) to the JP Morgan Chase account provided in the wire transfer document. After meeting with XXXX to sign the closing paperwork XXXX XXXX employee stated that the wire information was not XXXX wire information. I rushed to XXXX XXXX to report the fraudulent wire transfer and to find out what can be done to get the {$120000.00} back. XXXX XXXX initiated the wire transfer recall. In addition, to the initial recall request sent by XXXX XXXX, XXXX XXXX has reached out to JP Morgan Chase on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As of today, XXXX XXXX XXXX JP Morgan Chase has not responded to any of XXXX XXXX requests. Through XXXX XXXX XXXX XXXX Department, JP Morgan Chase has requested a Hold to Harmless/Indemnity form to JP Morgan Chase , however, XXXX XXXX is stating they can not send the " Hold to Harmless/Indemnity '' form because JP Morgan Chase has not communicated with XXXX XXXX.

Company response to consumer: Closed with explanation