vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: NC

Complaint narrative:
I recently pulled a copy of my credit report and noticed that there are accounts being reported that I have no knowledge of or affiliated with. I contacted the credit reporting agencies in XX/XX/XXXX  via phone and XX/XX/XXXX  to notify them that someone was attempting to access line of credit in my name that I had not authorized. I ask for verification of these transactions. I pulled another report and now I see an account that I have never acquired. 
I have the right to privacy and furnishing accounts without my written consent is in violation of 15 USC 1681B I have researched these creditors and I have never had any accounts or applied for credit with these creditors, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX. Furnishing these transactions to my profile due to identity theft is in violation of 15 USC 1681 c-2 I have previously that any address I've never resided be deleted from my profile to prevent any further fraudulent activities

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 2024-01-31 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: NC

Complaint narrative:
I recently pulled a copy of my credit report and noticed that there are accounts being reported that I have no knowledge of or affiliated with. I contacted the credit reporting agencies in XX/XX/year>XXXX  via phone and XX/XX/year> to notify them that someone was attempting to access line of credit in my name that I had not authorized. I ask for verification of these transactions. I pulled another report and now I see an account that I have never acquired. 
I have the right to privacy and furnishing accounts without my written consent is in violation of 15 USC 1681B I have researched these creditors and I have never had any accounts or applied for credit with these creditors, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX. Furnishing these transactions to my profile due to identity theft is in violation of 15 USC 1681 c-2 I have previously that any address I've never resided be deleted from my profile to prevent any further fraudulent activities

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I contacted navy federal credit union in order to get my interest rate reduced and be reimbursed interest fees charged due to me being in the mliitary. I left the XXXX and Joined the XXXX XXXX and Navy federal will not reduce the amount on my card even though they legally should under the SCRA. 

As stated on the CFPBs websites : Protection # 1 : Reducing the interest rate on any pre-service loans to a maximum of 6 percent If you took out an automobile, home, or student loan or incurred credit card debt prior to becoming a servicemember ( also known as a pre-service obligation ), or if you took out such a loan jointly with your spouse, then you are entitled to have your interest rate reduced to a maximum of 6 percent per year. To receive this benefit you must notify your lender in writing and include a copy of your orders to XXXX XXXX service or a letter from your commanding officer that shows the date you began XXXX XXXX service. 

The rate reduction for pre-service obligations applies during the period of XXXX XXXX service for most loans and, for mortgages, for an additional year after the end of XXXX XXXX service. When you make a proper request for an interest rate reduction under the SCRA, your lender must reduce your interest rate on pre-service obligations to 6 percent for the entire time you are serving on XXXX XXXX. Your lender cant add the amount of interest above 6 percent back into the loan later on after you leave XXXX XXXX. You can request an interest rate reduction from your lender at any time while you are serving on XXXX XXXX and up to 180 days after release from XXXX XXXX. 

A lender cant revoke your loan or credit account, change the terms of your credit, or refuse to grant you credit just because you exercised your SCRA rights. In addition, a lender cant furnish negative information to a credit reporting company just for invoking your SCRA rights. Remember, the SCRA requires your lender to reduce your interest rate in certain circumstances but you still have to pay back your debts. 

I have produced orders for the reduction, my XXXX showing that i joined the space force and all I am being told is in the system I went from XXXX to XXXX XXXX and there wasn't a 24 hour break. This isn't stated as a requirement by the federal government and other banks that I had accounts with HAVE lowered the rate in accordance with the Service Members Civil Relief act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
( XXXX ) Prepaid card does not work : I was gifted a VanillaGift.com VISA gift card activate with a {$100.00} value. Per the Cardholder Agreement I tried using the card to pay for transactions at several in-person merchants/stores, but the payment was consistently rejected. I then tried using it at various online merchants ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, etc. ) and the payment was also rejected. 

( XXXX ) Customer service to resolve the issue is circuitous and nonexistent : On XX/XX/24 I tried calling the customer service phone number listed on the back of the card and in the Cardholder Agreement ; this phone line directed me to a lengthy automated menu that kept me going in circles and did not point me to either ( a ) how to reach a live customer service representative or ( b ) an actual answer on why the card was being rejected and how to reconcile. The information given over and over is that " your card was most likely declined due to security and safety measures... use your card in-person or at a different merchant online '', which is what I did and was unsuccessful at using the card for payment. Furthermore, the instructions given by VanillaGift.com say to use my own billing address/zip code and that they are unable to change/assign a zip code -- but several merchants have said the zip code is incorrect. Furthermore, according to VanillaGift.com FAQ and the automated phone line, the company says that customers can report an issue online -- however, it is only possible to track an existing issue, not to submit one ; to submit one the website says to call the customer phone line which is just an automated menu. 

VanillaGift.com clearly wants to make it difficult for customers redeem the value of the gift card, and does not make a reasonable effort to provide customer service to resolve issues. I just want to be able to redeem the full value of the gift given to me ( {$100.00} ) or to receive a refund for the value.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: FL

Complaint narrative:
Recently I found some account and inquiries which I never autorize. For sure all of them are froud and must be remove from my credit report as soon as you can. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. CC : Federal Trade Commission, XXXX XXXX XXXX XXXX, Washington , DC XXXX Office of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Washington, DC XXXX Advocates for Fair Credit Reporting Department of Banking and Finance

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 2024-01-31 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:
Recently I found some account and inquiries which I never autorize. For sure all of them are froud and must be remove from my credit report as soon as you can. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. CC : Federal Trade Commission, XXXX XXXX XXXX XXXX, Washington , DC XXXX Office of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Washington, DC XXXX Advocates for Fair Credit Reporting Department of Banking and Finance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the laws : 15 USC 1681 c ( b ) 15 USC 1681 i ( 5 ) 15 USC 1681 s there are numerous accounts on my credit reports with different and inaccurate dates, being date opened, dates of last activity, and last reported dates. Dates are inaccurate and different on each credit bureau reports XXXX, XXXX and transun Credit reports should be 100 % accurate and correct by the laws of the FCRA

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 2024-01-31 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: CA

Complaint narrative:
According to the laws : 15 USC 1681 c ( b ) 15 USC 1681 i ( 5 ) 15 USC 1681 s there are numerous accounts on my credit reports with different and inaccurate dates, being date opened, dates of last activity, and last reported dates. Dates are inaccurate and different on each credit bureau reports XXXX, equifax and XXXX Credit reports should be 100 % accurate and correct by the laws of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my dissatisfaction with the inaccurate reporting of the following accounts on my credit report. I expect prompt action to hold the banks accountable for their commitment to remove these accounts after a thorough review. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I had an auto loan with XXXX and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called XXXX, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me to be 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, and XXXX with no successful resolution. Experian reported me 30 days late in XX/XX/. There was an error on their part. I was never 30 days late.

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 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My mortgage is non-escrowed. I pay my own taxes and insurance. However, in XXXX of XXXX around the same time Mr Cooper was experiencing a data breach my homeowner insurance canceled my policy and therefore I had to shop for my own insurance. I called Mr. Cooper to let them know that I needed to purchase new insurance, and they advised me to submit documents once the insurance was purchased. I did not get my own coverage until XXXX XXXX, XXXX so there was a lapse in insurance, but was told to at I could call and request the escrow be removed as soon as the insurance I purchased was updated and proof with new policy submitted to their website online. I have been calling to request the removal of escrow account since my insurance is now updated. However, they have not refunded the negative escrow account and customer service representatives refusing to let me speak to a supervisor to try and resolve this situation. Instead, they are changing my monthly payment to a much higher payment to offset the negative escrow that they purchased insurance for between XXXX XXXX XXXX XXXXXXXX. Thats approximately 3 months of lapse in coverage. I understand their policy, but I never agreed to change the loan to require a escrow account. I pay my own taxes and insurance every year. I have never sent any late payments. I dont understand what they arent willing to work with me and remove the escrow since I did my part and purchased my own insurance per the request of this mortgage lender. I have complied with all their rules, policies, and made on time payments. I am asking for the removal of the escrow account and to be refunded the difference of the insurance from the lender purchased insurance and the policy I purchased, which proper explanation of the escrow cant be removed. Originally this loan was not setup to have an escrow account. Now, Im being told something different, with no help from the customer service in the escrow or lender insurance department. I was told by their representative the only way to remove the lender placed escrow account is to refinance this loan. They can remove it, but are choosing not to. I will seek legal counsel and also I was a victim to their recent data breach, which caused me to not be able to get homeowner insurance and was denied insurance by several major companies. I was not offered any assistance by Mr. Cooper to be able to purchase my own insurance between XX/XX/XXXX XXXX XXXX, XXXX. Most companies did not want to do dealings with Mr. Cooper being my mortgage lender. I, the customer suffered great loss from the recent data breach cyber attack and am trying to fix my credit report on my own. Mr .

Cooper is unwilling to do anything to help me or try to work something out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Electrical work service completed on XX/XX/XXXX, {$420.00} payment and {$3000.00} payment paid on XX/XX/XXXX towards paid-in-full invoice paid XX/XX/XXXX - partial payments made with Chase Freedom XXXX credit card XXXX 

On XX/XX/XXXX, Electrician company " the Merchant '' mailed a letter that the work was incomplete and permit was still opened. I called the City of XXXX to confirm the open permit and received the Inspection Report- the electrical work failed inspection three times : XX/XX/XXXX, XXXX/XXXX/XXXX and XX/XX/XXXX. Demand Letter sent to Merchant on XX/XX/XXXX, Second Notice Demand Letter sent to Merchant on XX/XX/XXXX, and Final Formal Demand for Documentation and Resolution sent to Merchant on XX/XX/XXXX. Initial Demand Letter requested a response from the Merchant to the demand for refund within 30 days due to incomplete and unsatisfactory nature of work, the inconvenience I have experienced due to the delayed completion, and the expenses incurred as a result of the failed inspections. Merchant did not provide a response that addressed the demand for refund by the deadline of XX/XX/XXXX. 

I contacted Chase on XX/XX/XXXX to file chargeback claims for both credit card charges of {$420.00} and {$3000.00}. The claim for {$420.00} was closed on XX/XX/XXXX and reopened on XX/XX/XXXX after I called Chase to inquire why the chargeback was reversed on XX/XX/XXXX. Chase told me to submit my evidence online for which I submitted over XXXX files of evidence including a second opinion letter plus estimate to fix the incomplete and unsatisfactory service performed by the Merchant from another electrician company. In addition, chargeback resolution letters ruling in my favor from XXXX XXXX were submitted as evidence to Chase as I also used my XXXX  XXXX XXXX credit card to make partial payments for this same unsatisfactory electrical service completed on XX/XX/XXXX by the Merchant. 

Chase then again closed the claim without resolution on XX/XX/XXXX stating that the timeframe was expired for them to review the evidence that Chase requested and received for the {$420.00} claim on XX/XX/XXXX. 

I contacted the Merchant via demand letter sent on XX/XX/XXXX with a 30-day deadline to process refund before filing the chargebacks with Chase on XX/XX/XXXX and reopening the claim for {$420.00} on XX/XX/XXXX. On XX/XX/XXXX, I requested to escalate the {$420.00} claim to XXXX through a Chase representative of the Dispute & Claims department who declined my request. The claim for {$3000.00} status is still on-going investigation by Chase as oXXXX XX/XX/XXXX and Chase has confirmed receipt of my submitted evidence for this open claim as well for the same unsatisfactory service completed by the Merchant as the claim for {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TX

Complaint narrative:
I have contact Transunion on several occasions via dispute. There is a XXXX XXXX account reflecting my TransUnion consumer report, which I have told TransUnion that this items does not belong to me and requested that this items be removed and block per FCRA section 605B. As of today they have failed to do so. I have also attached a copy of my identity theft report # XXXX and police report # 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 non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TN

Complaint narrative:
I have several issues with EdFinancial. XXXX ) They have reported an additional $ XXXX in student loans to XXXX credit bureau. They reported my consolidated loan, then reported one of the loans included in the consolidation as a separate loan as well. My loan balance was $ XXXX & they reported $ XXXX in XX/XX/XXXX and havent updated my XXXX credit report since. This is unacceptable! XXXX ) They reported my loans as deferred to the credit bureau in XX/XX/XXXX, my loans are in repayment status. XXXX ) I am on the SAVE plan as of XX/XX/XXXX. I made my FULL payment of {$49.00} on XX/XX/XXXX. However my XXXX statement shows nothing applied to my principal and {$820.00} applied to accrued interest. Per studentaid.gov website, if I have the SAVE plan & my full payment doesn't cover the accrued interest, the government pays the accrued interest. So my loans should not increase due to accrued interest. My loan balance increased by {$820.00} in XXXX while I was on the SAVE plan due to accrued interest. XXXX ) When I was approved for the SAVE plan on XX/XX/XXXX, I was informed in writing that my payment would be {$49.00} and I would need to recertify in 12 months. On XX/XX/XXXX I received my XXXX statement indicating my payment of {$49.00} is due in XX/XX/XXXX. On the morning of XX/XX/XXXX, I went to my EdFinancial account and my payment amount was showing {$49.00} due on XX/XX/XXXX. I went back to the EdFinancial website to view my account later that afternoon ( the same day ) and it was showing a payment of {$70.00} due XX/XX/XXXX. I was puzzled about why my payment changed in a matter of hours. I called customer service and they said my payment amount had been recalculated or recertified although the 12 month period before recertification was due hadn't expired. Its only been XXXX month since they approved my SAVE application and communicated my new payment amount of {$49.00}. I was transferred from XXXX to this AWFUL servicer, EdFinancial in XX/XX/XXXX & I have had nothing but problem after problem with them. I had XXXX for at least a decade & never had one issue. XXXX was professional and competent. XXXX XXXX was my servicer before that and never had any problems. EdFinancial should not be servicing DOE student loans. Their staff is unfriendly, the company is completely incompetent and their costly mistakes affects people 's lives! I see so many online complaints from other borrowers about missing payments and all kinds of payment & loan errors done by EdFinancial. I have worked hard to buy my first home, but the errors reported on my credit report and the ever changing loan payment amount can affect my ability to get a mortgage.

Company response to consumer: Closed with explanation