vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 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: OK

Complaint narrative:
It's been over 30 days and credit bureau haven't update information nor has provided proof or documentation in regards of late payments. They have not supplied this information and must delete the alleged late payments off my credit reports. under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX is reporting on my credit report after they said it would be deleted. 

XXXX XXXX  # XXXX I have no knowledge of this account I never lived at several addresses that reporting, Ive disputed them the only reporting should be XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX, the only phone number XXXX, the only name is the XXXX on file that shows my mailing address XXXX XXXX XXXX they havent sent documents requested, there are several inaccuracies on the payments, date, amounts, missed payments, no info showing please have them delete ive disputed this several times

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 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Northern Trust Company, The
State: FL

Complaint narrative:
My sister, XXXX, and I have trusts at Northern Trust. There was originally only one trust, which was then split up. Per XXXX XXXX, the former Trustee, the trusts were split into exact equal parts with one portfolio manager investing them the same way. This was confirmed by the fact we both received nearly the exact distribution each month for the past two years. The distributions are automated. My sister receives her distribution on the XXXX of the month and I receive mine on the XXXX of the month. In XX/XX/XXXX, my sister received her distribution of approximately {$3000.00} ; however, I received nothing at all on XX/XX/XXXX. I emailed XXXX XXXX, the current trustee on XX/XX/XXXX and asked what happened to my monthly distribution. He stated my distributions had been stopped in XXXX, even though my sister 's distributions remained in active status. He then went ahead and manually sent me my XXXX distribution. I assumed he would correct the error and turn my distributions back on. In fact, he did nothing. My sister received her automated XXXX distribution in the amount of {$11000.00}! You can confirm this with her by emailing XXXX XXXX XXXX at XXXX. I received nothing at all on XX/XX/XXXX. Again I emailed XXXX XXXX on XX/XX/XXXX. He told me my distributions remained turned off but I was due {$2000.00}! He then manually sent me that amount of {$2000.00}. He refused to explain why there was a discrepancy of {$9000.00} between what my sister had received and what I had received. I believe this was a deliberate and maliciously motivated cheating me out of {$9000.00}. I had filed a complaint with you previously against Northern Trust and this was a retaliatory action to cheat me out of a substantial sum of money. There is no other explanation for such a huge disparity in what my sister and I received for the XX/XX/XXXX distribution, and I want this investigated.

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 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was contacted, via text message, by Citibank Fraud NA on XXXX transaction that was declined on XXXX XX/XX/2022 at approximately XXXX XXXX, CitiFraud used phone number XXXX. [ copy of message -A ] I contacted Citibank Fraud group and they said they did not call and started an investigation. Citibank Dispute Case # XXXX and XXXX. Citibank Fraud shared the following Transaction numbers : Citibank pay id code # XXXX for {$2400.00} Citibank pay id code # XXXX for {$2500.00} Citibank reported that a XXXX XXXX using phone number XXXX removed a total of {$4900.00} from Citibank checking account XXXX on XX/XX/2022, at approximately XXXX XXXX  in two different transactions using XXXX. Text message confirmation show both were marked as fraud. [ Copy of message -B ] The only person on record I have sent XXXX funds to family members. There are only three ( 3 ). XXXX, XXXX, and XXXX XXXX. They are the only persons in my contact profile for XXXX. I do not know who XXXX XXXX is nor this phone number. I did not authorize this transaction. 

FBI and Police reports filed.

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 2023-01-04 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: CA

Complaint narrative:
I AM ASKING THE CFPB TO LOOK INTO THE REPORTING PRACTICES OF EXPERIAN DUE TO THE MULTIPLE ERRORS THEY HAVE ON MY REPORT. THEIR INACCURATE REPORTING HAS CAUSED SEVERE DAMAGE TO MY ESTATE, MY REPUTATION, HAS CAUSED GREAT DETRIMENT TO MY FINANCIAL LIBERTY, AS WELL AS MY RIGHT TO LIVE. THERE ARE 21 DIFFERENT NAMES ON MY REPORT, MULTIPLE ADDRESSES, MULTIPLE PHONE NUMBERS, THEY SAY LACK OF CREDIT HISTORY IS DAMAGING MY ABILITY TO OBTAIN CREDIT BUT HAVE 2 ACCOUNTS MORE THEN 10 YEARS OLD. EXPERIAN ALSO HAS 3 CLOSED ACCOUNTS WITH DELINQIENCIES OF 150 DAYS OR MORE. AS A NATURAL CONSUMER PERSON I CAN NOT OWE A DEBT AND GIVEN THE FACT THAT THEY MADE A MISTAKE i HAVE ASKED THEM TO FOLLOW FAIR CREDIT PRACTICES AND TO PROVIDE ME WITH A CONTRACT WITH MY SIGNATURE. THEY HAVE YET TO DO IT BUT THE 3 ACCOUNTS REMAIN ON MY REPORT. THESE DAMAGES CAUSED BY EXPERIAN HAS LEAD TO HOMELESSNESS, POVERTY, AND ARE A VIOLATION OF MY PRIVATE UNALIENABLE RIGHTS. 

I DO NOT UNDERSTAND HOW THE POWERS THAT BE ALLOW EXPERIAN TO HAVE A PAID SERVICE TO REPORT ON THE PEOPLE IN THE STATE. IT SEEMS AS IF WE ARE PLAYING A GAME OF JURISDICTION WITH THESE CORPORATIONS SUCH AS EXPERIAN. THEY ARE DETERMINING BY PROVIDING FRIVILOUS INFORMATION WHAT SPACE PLACE TIME PLANE OR JURISDICTION WE ARE ON. BY ACCEPTING THE FEDERAL RESERVE NOTE FOR PROVIDING PRIVATE INFORMATION ON PRIVATE INDIVIDUALS DOES NOT SEEM ETHICAL AND ON TOP OF GETTING PAID FOR IT THEY CAN MAKE UP THEIR OWN FORMULA TO GRADE XXXX WITHOUT GIVING XXXX THE CALCULATION THEY ARE USING. CAN IT BE EXPLAINED AND HOW WOULD IT BE EXPLAINED IF A NATURAL CONSUMER PERSON HAS CREDIT BACKED BY THE NATION?

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 2023-01-04 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/22 I checked my XXXX  credit report and found a credit card had been opened in my name. The Company which issued the card is XXXX XXXX XXXX a {$750.00} balance. The account was opened on XX/XX/22 and a wire transfer was done for {$750.00} on XX/XX/22. I did not open this account and have no idea who the card issuer is or where they do business. I contacted the company and had the account closed and asked for it to be removed from my credit report. they are " investigating '' it. I recently found it on my XXXX report as well. I have contacted both credit agency and informed them of the inaccurate information. After XXXX  days I received a email from XXXX  stating that they investigated and found the information was correct. That's not possible because I never opened the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I deposited 2 checks in my Huntington account from my grandma! They put my account and both checks on hold for review! They then said 2 weeks later that they needed verification from the issuing bank ( fifth third ) and they would be released! I then drove the 40 minutes to the issuing bank and got the verification from the branch manager/vice president validating the checks to me and for the amount and that the funds have taken out of my grandmas account! I brought it back to Huntington! I waited couple business days didnt hear anything back from Huntington so I called the customer service and was told that now that wouldnt work. They wouldnt give me any information on MY account to why this was happening, what I could do, how long it would take, nothing!! The branch manager from fifth third has also tried reaching out to see whats going on cause they are confused to why this is happening! So then on XX/XX/XXXX I called in to get an update and they said they closed my account and sent the money back! No notification about them closing it or why and will still not tell me why! So my grandma and I have been checking her account waiting for it to come back! Here we are on XX/XX/XXXX ( a month later ) and still no money. I called into Huntington customer service to see what was the hold up, they then said they sent a request ( not sure as to what request, again they wont give me any info ) to send the funds back, and that the funds were sent back on the XXXX. Every time I have reached out to Huntington their story or explanation changes! Then I reached out to fifth third and they said the funds should have been almost immediate, they reached out to a Huntington branch and was told now that it was a check but wont say who the check is being mailed to. This has been a nightmare, this was my kids XXXX money and also just bought a house and was my money to make it move in ready for us! Im at my end, Ive tried everything possible, Im waiting for my lawyer to call me back on next steps! I just dont want to take it that far just send my money back to my grandma so we can move on!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
Excessively long wait time for XXXX  forms to be processed by MOHELA. I electronically submitted a " XXXX XXXX XXXX Form '' to MOHELA on XX/XX/XXXX. As of XX/XX/XXXX the uploaded form is still listed as " processing. '' Subsequently, the official tracking of my eligible and verified payments towards loan forgiveness is inaccurate. I have contacted MOHELA by phone to resolve this issue but had to hang up after being on hold for over 2 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. Auto Sales Inc.
State: TN

Complaint narrative:
I bought a car from XXXXXXXX XXXX in XXXX XXXX XXXX from XXXX XXXX store XXXX on the XXXX day I had it I had problems with it taking off every time I stopped like no power XXXXXXXX XXXX said they couldnt do anything it was over the XXXX day or XXXX miles warranty so they told me to call the warranty and they said I could take it to XXXX XXXX in XXXX and have a diagnostics run on it I did they said the whole exhaust system needed replaced that it was dangerous it was leaking everywhere possible and I ended up paying for the diagnostic warranty company wanted me to take it superiors in XXXX and they said the same my exhaust system the whole thing needed replaced so I called the warranty company XXXX XXXX and they agreed to let me change vehicles only if I signed their agreement which was I was to hold them for no liability for damages or personal damages which I told them I couldnt sign I have dr bills hospital bills and been out of work for carbon monoxide poisoning since XX/XX/2022 and I am having for pay XXXX dollars a day for the rental and insurance on rental which they wont pay this has caused me to be behind on my rent which never happened before this situation and Im still at my stomach daily taking medication for that but not helping much headaches dizziness and memory issues can you help me Im suppose to return the rental car today by XXXX which means I have no way to the doctor or hospital XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is allowing XXXX XXXX XXXX to report my account as having a delinquency when the account is XXXX Protected. The account report shows a status of past due for 180 days late the account balance shows {$6800.00} which is incorrect. The account was never late but shows missed payments. XXXX XXXX agreed to keep my account in XXXX Protected status because of the pain and suffering that I experienced financially for the 2 years that they did not have me in XXXX XXXX protected status. They fixed the error but now they are trying to reverse it.

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
This Creditor has my account listed as only 33 % paid and i have paid this balance in full. They have not updated my credit report to reflect this in over 30 days and it is hurting my profile significantly. Under the FCRA, it is legally required to have accurate information and this is preventing me from moving forward with my Home purchase because of the impact on my utilization. 

My name Is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have file a dispute in regards to the incorrect item on my credit report with TransUnion, and it has been well over 30 days and I haven't received any accurate investigation results or any verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for this account.

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
On XX/XX/XXXX, I XXXX XXXX received a Chex systems consumer report stating account abuse with XXXX XXXX XXXX  XXXX XXXX account number XXXX. I have never done any business with this bank nor tried to apply for bank account with this bank. I wrote a letter to Chex systems explaining to them that they have wrong information about me. Chex systems did an investigation and sent me a letter back saying that this account with XXXX XXXX XXXX  XXXX XXXX was listed on my consumer report by clerical error and that they will remove the account. As of today XX/XX/XXXX I checked my Chex systems consumer report and this account is still on my consumer report and is the reason I was recently denied a checking & savings account. I would like for this to be removed from my consumer report and I want justice for this negligent misconduct on the part of Chex systems. I looked up XXXX XXXX XXXX  XXXX XXXX and they do not even exist, they do not have a phone number or website. How can such a gross misconduct be done by Chex Systems?

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 2023-01-04 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

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 2023-01-04 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by FederalLaw 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 '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed this item on XX/XX/2020 and they removed it, but it has been sold to another company and has been re-added to my credit file. 

Account : XXXX Account # : XXXX Under Section 602, I have a 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 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or about XXXX XXXX XXXX and XXXX XXXX XXXX i called customer service to have my online profile deleted and they not allowing me to do so i no longer use online service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: DISCOVER BANK
State: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 ( AX1 ) 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 non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I applied for a store card and got a {$500.00} credit limit less than a year later they dropped it by about 50 % a year later they dropped it by another 50 % it was actually several different times but it has dropped down from XXXX to {$130.00} the last one was roughly a drop of XXXX or XXXX dollars. Every time I talk to these people they tell me that they did this in regards to my credit score which by all accounts has done nothing but go up and every time they drop my limit it drops my score I need not say why. Over the course of the 3 years I have accumulated XXXX to XXXX XXXX dollars more credit from other creditors whether new accounts or increased accounts I have yet to have one go down other than this account and one other tied to the same creditor

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 2023-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: R&R Professional Recovery, Inc.
State: MD

Complaint narrative:
i have disputed this and transunion deleted it i have the documents but XXXX has yet to take it off of my report which the law states that medical bills under {$500.00} shouldnt even be put on your credit report the company is R & R Professsional Recover the amount they have listed is {$120.00} i would like this deleted off of my report because it shouldnt even be there

Company response to consumer: Closed with explanation