vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Sam 's Club is not reporting my credit information to XXXX and it is negatively impacting my XXXX credit score.

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 2023-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX the company I leased my vehicle from closed down and filed bankruptcy without proper notification of. My vehicle was repossessed on XXXX XXXX, XXXX. Ive been asking for documentation on the repossession and have yet not received anything. They hang up on you they XXXX  you out. Even told me that my mom was a XXXX. And hung up. They are very rude and unprofessional. About a week ago they reported on my credit after they sold the vehicle. I just spoke with Westlake Portfolio Management today to find out they sold the vehicle for {$5400.00} on XX/XX/2023. How are they able to report a vehicle to my credit report that I have a contract with another company. Once American Financial Closed down my vehicle needed a 3rd engine. I replaced that engine and know Im out of a car and {$3000.00}. This is fraud to report something to my credit report after you sold the vehicle. They refused to give me documentation of the repossession. They didnt report the repossession to the local sheriff office or anything. This is fraud and this company needs to be closed down.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I awoke on XX/XX/XXXX to find my checking account that I use to auto pay XXXX XXXX payment was overdrawn by over {$2700.00} dollars. I called XXXX immediately to request that they replace money withdrawn as this was double my normal payment. The agent on the call told me that they would need to verify with XXXX that payment was made. The agent called XXXX with myself on the phone 3 way call. The agent stated that the transfer was made from XXXX to XXXX XXXX in the amount of {$5.00} dollars. On or around XX/XX/XXXX I got a knock at my door from someone delivering certified mail. This certified mail was notice of foreclosure proceedings. Turns out that XXXX had not made the payment to XXXX given the vast overdraw. XXXX then reversed ( unknown to me at the time ) my on-time XXXX, XXXX, XXXX payments and effectively marked my account in a 90 day default in XXXX despite these payments being made the XXXX of the month every month in XXXX. All funds were paid on XX/XX/XXXX including the payments reversed as well as the shortage amount that XXXX had misappropriated. In a letter to my attorney in response to first NOE that was sent they acknowledge sending {$11000.00} from previous mortgage company elsewhere other than my account. They also state that payments were received on time and that the default was a result of the reversal that happened in XXXX. Again, all fund were then paid in XXXX, if anything I would have been 18 days late not 90 days in default. My attorney has sent 2 NOE, I have sent correspondence to XXXX as well as called them several times. Even though all payments were made on time they are refusing to correct credit report. This has been detrimental to my credit as well as my ability to feed my children. I have been 100 % on time payments across all accounts until this error by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I awoke on XX/XX/XXXX to find my checking account that I use to auto pay XXXX XXXX payment was overdrawn by over {$2700.00} dollars. I called XXXX immediately to request that they replace money withdrawn as this was double my normal payment. The agent on the call told me that they would need to verify with XXXX that payment was made. The agent called XXXX with myself on the phone 3 way call. The agent stated that the transfer was made from XXXX to XXXX XXXX in the amount of {$5.00} dollars. On or around XX/XX/XXXX I got a knock at my door from someone delivering certified mail. This certified mail was notice of foreclosure proceedings. Turns out that XXXX had not made the payment to XXXX given the vast overdraw. XXXX then reversed ( unknown to me at the time ) my on-time XXXX, XXXX, XXXX payments and effectively marked my account in a 90 day default in XXXX despite these payments being made the XXXX of the month every month in XXXX. All funds were paid on XX/XX/XXXX including the payments reversed as well as the shortage amount that XXXX had misappropriated. In a letter to my attorney in response to first NOE that was sent they acknowledge sending {$11000.00} from previous mortgage company elsewhere other than my account. They also state that payments were received on time and that the default was a result of the reversal that happened in XXXX. Again, all fund were then paid in XXXX, if anything I would have been 18 days late not 90 days in default. My attorney has sent 2 NOE, I have sent correspondence to XXXX as well as called them several times. Even though all payments were made on time they are refusing to correct credit report. This has been detrimental to my credit as well as my ability to feed my children. I have been 100 % on time payments across all accounts until this error by 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 2023-09-26 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: Experian Information Solutions Inc.
State: GA

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
- XX/XX/XXXX received notice from a lender because of form IRS XXXX- pursuit lending notified had outstanding balance of XXXX with IRS - XX/XX/XXXX researched that evening and knew I had paid and found out on XX/XX/XXXX chase improperly withdrew funds and paid XXXX XXXX and endorsed to an individual called XXXX XX/XX/XXXX called that evening and spoke to CHASE- told me need to fill out unauthorized endorsement and claim would not start until filled out and faxed from branch - XX/XX/XXXX filled out police report - XX/XX/XXXX Same day went to chase XXXX XXXX and emailed and faxed- confirm by team member - XX/XX/XXXX called claims did not receive- NO ANSWER same message XXXX days and 30-60 days to conclude and see what the claim will be - XX/XX/XXXX claims by phone still did not receive and suggested email from branch to supervisor and upload the file via email - XXXX on phone lso told to fax document from IRS from penalty and fees, called IRS can not do anything it is not their fault and can only fill out a document after to waive the penalty - XX/XX/XXXX phone claims received document but said missing marked check told to check the appropriate box - XXXX- Checked the right box and faxed with branch manager in in XXXX and told to fax again and I did check mark - XXXX- called again claims by phone said they saw paperwork but did not see check mark - XXXX- went to branch and had manager verify received and check marked - XXXX- spoke with chase executive services and XXXX handling case - XXXX- XXXX confirmed that claims did not receive proper documentation from XXXX- took another week until Wednesday/Thursday for XXXX to speak to branch manager XXXX - XX/XX/XXXX spoke to XXXX she confirmed on XX/XX/XXXX info was sent to XXXX XXXX but can not insure for the interest owed to the IRS said she would speak to managers and get back to me and that the case now may take 120 days to event resolve and not even guarantee funds will be retuned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: WI

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-09-26 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: Experian Information Solutions Inc.
State: WI

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: MI

Complaint narrative:
Received letter from TRS Recovery Services, XXXX GA on XX/XX/23 stating I owed payment on an item purchased on XX/XX/23 from XXXX. I called XXXX and they verified my account was on good standing. I sent their form back indicating this was not my debt, and asked for the Original Creditor. They sent the second correspondence on XX/XX/23 which identified XXXX as the Original Creditor. I contacted XXXX Customer Service again on XX/XX/23, and they confirmed this is not my order, there is no order with this number or amount, or item on my account. XXXX Customer Service said to ignore this, but I researched and found this is a legitimate Credit Collector. The item on the correspondence was supposedly paid for by E-Check, and I don't know what that is. I have a payment method set up in XXXX, they always email me to confirm my orders and I also get confirmation when an item has been delivered. XXXX confirmed no emails were sent to me on XX/XX/XXXX, which was the date the item was ordered. Another concern I have is that the tracking information did in fact indicate a delivery, and to a friend of mine. How did her name get attached to anything in my account? Also, the first name ( mine ) for billing is not the same as the one I have set up in XXXX ( which was my first red flag ).

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 2023-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent email requests and appeals to my FHA loan servicer, Mr. CooperXXXX Mortgage XXXX for FHA loss mitigation loan modification programs, specifically, the COVID-19 Advance Loan Modification ( ALM ). HUD counselors has specifically noted this program as the " next-step '' loss mitigation option for my FHA file . HUD directed me to contact Mr. Cooper and request that I be reviewed for the COVID-19 ALM program in which Mr. Cooper has repeatedly ignored and instead, offered a loan modification that increases my interest rate from 3.37 % to 4.76 %. The COVID-19 ALM allows for a minimum of 25 % reduction in both principal and interest payments. In response, HUD counselors have insisted that the ALM loss mitigation program remains available to FHA-insured borrowers until XX/XX/XXXX of XXXX. HUD sent documents including sections from the updated FHA/HUD handbook that specifically instruct loan servicers with steps when processing borrowers for loss mitigation programs. In the meantime, I've further become delinquent in mortgage payments because of Mr. Cooper 's inability to cooperate and review my file to extend the COVID-19 ALM program, which I am qualified for. HUD because of the complaint : Loan # XXXX, FHA case have filed a case number : # XXXXXXXX XXXX XXXXXXXX. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
There was an ATM withdrawal of {$1800.00} on XX/XX/XXXX which I did not make or authorize anyone else to do so. I called the bank to make a claim on XX/XX/XXXX which is when I noticed the transaction and also noticed that I did not have my card on me. The bank issued a temporary credit of {$1800.00} while they investigated. I received a letter dated XX/XX/XXXX saying the claim was resolved and that they had found the the charges were made by me or someone who I authorized to do do. The bank will deduct the {$1800.00} from my account on XX/XX/XXXX. I called the bank to make a complaint about this as I am very frustrated with their conclusion. The card was lost by me, yes, but the bank allowed someone to withdrawal {$1800.00} from the ATM with or without an ID that was not the owner. I am the only authorized person to make any transactions and I did not make this transaction. I am disturbed at how someone was able to withdrawal that amount of money from my account when the withdrawal limit at an ATM is {$1000.00}. The bank has denied my claim and I strongly ask for this to be looked into.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: NV

Complaint narrative:
My issue is that Discover must report accurate information to the credit reporting agencies consistent with the Fair Credit Reporting Act. Over seven years ago, Discover charged off my {$6000.00} loan. Discover continues reporting late payment information to the credit reporting agencies, going so far as to remark the account 'closed ' and then 'opened ', over and over, which has negatively affected my credit reports. I recently received a credit alert that Discover reported information on my credit report. Discover reports monthly that I am either 30, 60, or 90 days late to the credit reporting agencies, in addition to continuously changing remarks. Discover should not be reporting negative information regarding my loan that was charged off over seven years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
When logging into XXXX online or on a mobile app, there is a prompt that forces you to accept new conditions, otherwise you can not login to use any online services. 

There was no warning of this change of terms allowing time to read and understand them before they came into effect. I am instantly, without notice, locked out from accessing any of my account features unless I accept the new terms. 

The new terms are specifically two documents : - a 10-page " Online and Mobile E-Sign Disclosure and Consent Agreement '' and - a 125-page " Digital Services Agreement '' There is no summary of changes to know what is different compared to before. 

Having all services effectively withdrawn from customers without notice pending acceptance of XXXX complex pages of legally binding documents is outrageous and should not be legal behavior. 

Clearly the expectation is for everybody to just blindly accept the terms. 

I understand that this is not limited to Chase credit cards but Chase banking products/customers as well. See the following for additional impacted consumers : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MO

Complaint narrative:
I haven't recieve any information if my loan was forgiven. I see interest going up on loan so I try to make payment and get rejected saying no payment due {$0.00} balance. But I see my loan increasing daily from interest. I try calling and 7 hour wait. They say they call back but never do. This is entrapment and setting me up for failure and cost me more in the end if loan was not forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: 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.

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 inructions 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 non-monetary relief