vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
( Continued On Next Page ) XXXX Page 3 of XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY.

>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 

THEY DID NOT INVESTIGATE AND WITHIN 2HR OF THE DISPUTE WAS SENT THEY VERVFYDE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for an extension of credit with BANK OF AMERICA. On XX/XX/2022, I received an adverse action letter stating they were unable to approve my request. BANK OF AMERICA based its denial on economic loss and trends and third-party credit agencies. BANK OF AMERICA is in direct violation of 15 U.S Code 1602 ( f ), 15 U.S Code 1602 ( p ), and 15 U.S Code 1691 ( a ) ( 3 ). 

I sent a letter on XX/XX/2022, stating my concerns to resolve the matter.

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 2022-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened Citi Accelerate saving account on XXXX XXXX full funded by a 2 transactions of XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX total is XXXX. 
by XX/XX/XXXX i noticed that i can't login to my citi bank, almost after over 14 hours in 2-3 days calls i was finally able to resolve login issues as i found a fraud has happened to my account and a transactions has been charged to my saving account from an ATM while i didn't even received the card yet! 
transactions as below : Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ total of {$1200.00} dealing with Citi support was a nightmare opened multiple cases they keep denying its a fraud and they don't even provide any evidence! 

case # XXXX Case # XXXX i believe ATM 's have cameras on it and as an owner of the money why i need to pull it this way! 
its clearly fraud please help!

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 2022-09-23 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: IL

Complaint narrative:
I paid off all my student loans during the forbearance period while they where with XXXX. XXXX transferred all federal student loan accounts to EDFinancial sometime late XXXX. I want a refund for payments made during the forbearance period but EDFinancial claims they can not find any of my information despite being listed in FASFA.gov as my loan provider. This is what I've tried : I called a month ago on XX/XX/XXXX to ask why I couldn't set up an account on EDFinancial, was told none of my information was found, that a support ticket was initiated, and that I would be called back within two or three business days. I received no call. I called XXXX that day as well to check that EDFinancial should have my information despite my loans being paid off and they confirmed this would be the case and that they no longer have my information. I sent an email to EDFinancial around late XX/XX/XXXX and received no response. I chatted with an agent via their new chat feature XX/XX/XXXX. The agent told they me would submit a request to look for my information but could give no case number for the incident or updates. They suggested I reach out via chat again to check in but seemed to have no record of my previous attempts to find my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I called and spoke to XXXX  from Chase bank in the XXXX office and asked to revoke my ACH authorization from a utility company XXXX XXXX, she said they do not provide ACH authorization but only offer a stop payment. That as long as I spoke to the company and revoked it with them and they did not honor it then I can talk to Chase about a dispute. She said they do not offer to revoke an authorization only a stop payment. Which I believe is against the law if I ask for a recurring charge to be revoked from my bank why can't they honor it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: RI

Complaint narrative:
In XXXX of 2021 the mortgage that we hold was bought out by Carrington LLC. 
When they bought the loan, they bought it just as the payment was due from our former carrier and as a result we needed to make two mortgage payments- one for XXXX and one for XXXX. One XX/XX/XXXX I made a payment for XXXX which covered XXXX and XXXX mortgage. It was not late as they were in the process of changing companies. 

The payment was split into two. XXXX went to the principal which it was NOT supposed to do. I spoke with their customer service department in XXXX and in XXXX and was told this was fixed. Turns out not only was it not fixed but now we are behind 40 days and it hit our credtit I Spoke with customer service again in XXXX and XXXX and they told me not to make a payment in XXXX as it would resolve this issue. They payment still came out of my account and it bounced twice. Now I have late fees and can not make a payment due to the bounce status of the old check. 

I am working to resolve this however, I can not make a payment unless I use certified funds and the company is telling me that if I don't fix this now, I will have another hit to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
First progress secure credit told me that if I paid the balance off that the account would be removed from my credit report. 

They have refused to remove the account from my credit reports XXXX, XXXX XXXX and XXXX. 

Ive disputed it several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have XXXX XXXX Inquiries show up on all XXXX credit bureaus reports, on XX/XX/22 from XXXX XXXX, and American Express. This was not me, and not authorized by me. I believe someone may have fraudulently used my information. I have placed a freeze on the XXXX credit bureaus, and placed a fraud alert. I would like the XXXX XXXX Inquiries removed from my reports because it affected my score negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
want to my number on do not call list keeps getting cloned

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied and received a credit card from PenFed Credit Union and used it one time for a balance transfer offer, put it on autopay from my checking account and put it away in a drawer. In XXXX, their security was breached and charges were made to XXXX and XXXX XXXX totaling over {$1300.00} to the card. I did not discover the transactions until XXXX when reviewing the expiration date of the balance transfer. 

Their credit card was NEVER associated nor linked with with my XXXX account in any way so I know the breach had to occur directly within their system. I am liable for the charges given the breach occurred more than 2 months ago but I offer this as a cautionary tale to those who work with smaller credit organizations such as PenFed. In my more than 15 year credit history this has not happened with any other bank from whom I regularly receive messages alerting me to suspicious transactions, no such system in place here.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX told me that if I paid the balance off that the account would be removed from my credit report. 

They have refused to remove the account from my credit reports Experian, XXXX XXXX and XXXX. 

Ive disputed it 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 explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX 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

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
On XX/XX/2022 I received a phone call from XXXX Bank stating that I was late on my mortgage payment. I told them there was an error on their end as the payment was made on XX/XX/2022 through their payment portal for the monthly amount due of {$1500.00}. XXXX Bank representative asked that I provide evidence of my bank statements and transactions via email. A detailed email was sent on XX/XX/2022 with the required evidence. On XX/XX/2022 I received a mortgage loan statement showing an unapplied balance of {$1500.00}. I sent a second email with a copy of the loan statement showing the unapplied balance and requesting it be applied to XXXX monthly payment as intended. I received no response from XXXX Bank. On XX/XX/2022 I received a credit report alert showing late payment on my mortgage loan. On XX/XX/2022 I filed a dispute with XXXX and also sent a written request to the financial institution explaining the situation and requesting they amend the credit report. On XX/XX/2022 I received the dispute resolution report showing not only late payment for XXXX, but additionally XXXX. The bank took retaliation against my dispute and reported an additional late payment for the month of XXXX thus negatively impacting my credit and my ability to obtain credit offers for individuals with excellent score. XXXX payment for the amount of {$1500.00} was made on XX/XX/2022 through their payment portal. There is evidently a problem with XXXX Bank 's payment process and/or their financial system. XXXX Bank has never responded to my requests, neither via email nor via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AL

Complaint narrative:
I contacted this company a while back and told them that I did not know anything about this account. I was told that they would investigate this matter and get back with me. I was informed about anything that resulted from the supposed to been investigation. Recently, I received a bill from this company which is a collection company. I expect XXXX to do what they are supposed to do. There is no reason I should be getting a collection notice from a third party when XXXX has not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2022, XX/XX/2022, and XX/XX/2022 I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. This account is inaccurate because under 15 usc1666 of the Fair Credit Billing Act a creditor can not restrict or close an account when the obligor has indicated that there is a billing error. I sent this company a notice of a billing error and they continued to close my account. They are not supposed close the account because of a failure to pay. Therefore, this account is inaccurate and needs to be deleted. 
XXXX XXXXXXXX Account Number : XXXX Remove this inaccurate account from my credit report They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.

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 2022-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXXXXXX XXXX and XXXX XXXX was paid upon a agreement from XXXX XXXX and from attorney 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 2022-09-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-09-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I bank at Chime Bank. I opened an account at XXXX Bank because my mother banks at XXXX and she had a XXXX several months ago and I am now paying the bills on her condo. It makes it easier. I set up a transfer and initiated it and XXXX returned it because I had mailed my signature card and it had not hit their system causing the account to be delay getting activated. Chime said it was suspicious and seize almost XXXX XXXX dollars. I did nothing nafarious, deceptive or illegal. I am expecting a direct deposit which will be returned. I am a XXXX vet and they are causing me unbelievable hardship and stress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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

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 2022-09-23 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-09-23 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: VA

Complaint narrative:
My issue is with Edfinancial. I requested the refund of a {$7000.00} payment I made towards my federal loans on XX/XX/2022. This request was made on XX/XX/2022. Since then, I have gotten a lot of different, incorrect information about the time it takes to process the refund. Now this week I finally managed to have them reinstate my balance and they confirmed the process was complete. However, they mentioned that StudentAid is responsible for refunding the money once it is processed. I just contacted StudentAid and they denied this information saying that the loan servicer is entirely responsible for handling the loan and refund. So right now, it shows that I owe {$7000.00} and I never got the {$7000.00} that I already paid. I am freaking out because that is the worst possible scenario. Edfinancial have been terrible mishandling this and they keep giving me false and misleading information. It is the worst customer service I have ever experienced. I would like Edfinancial to send my refund now!

Company response to consumer: Closed with explanation