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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Acct # : XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # : 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 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
IAW 15 U.S. Code 1681s2 XXXX Responsibilities of furnishers of information to consumer reporting agencies, a debt collector can not... 

( A ) Reporting information with actual knowledge of errors 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. 

XXXX XXXX, a debt collection company did not provide proof that the debt collection was in fact accurate and belonged to me. The debt collector provided me with a billing statement only. 

I ask the debt collector to provide proof of a signed contract with my signature and that was not provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a complaint and asked that the negative items on my report be removed due to enormous amounts of inaccuracy 's and the fact that upon writing the courts to ask why they would have verified incorrect information about a bankruptcy they told me that thats not possible because they dont ever verify any information and there fore they are getting wrong information from a third party and are not sharing the way it was verified thats whats wrong with using information from a third party and

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a complaint and asked that the negative items on my report be removed due to enormous amounts of inaccuracy 's and the fact that upon writing the courts to ask why they would have verified incorrect information about a bankruptcy they told me that thats not possible because they dont ever verify any information and there fore they are getting wrong information from a third party and are not sharing the way it was verified thats whats wrong with using information from a third party and

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/23 I contacted XXXX XXXX, and spoke with XXXX in customer service. I informed him, that I received an offer through XXXX XXXX. In addition, I asked XXXX, what credit bureau do you use, and whats the target score for refinancing? He told me, we use Experian, and you need a XXXX minimum score. XXXX also requested my identity be emailed. I gave him the mileage and payoff verbally, emailed drivers license, insurance card, and registration. Afterwards, he ran my credit he blantly lied, that my Experian score was XXXX, I told him he wasnt being honest, and emailed the Experian score XXXX, and XXXX XXXX XXXX offer. Next, he lies about me being {$6000.00} over, he had the payoff, and didnt tell me I was over the limit. He never should have ran my credit. The manager XXXX continually lied, that my file was with a special team. I requested my points be reversed for the credit pull, and more lies and shenanigans is all I received.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
After my loans were transferred from XXXX XXXX to Mohela I contacted Mohela to inquire if they had everything needed, as XXXX XXXX informed me in XXXX that my employers were certified for for XXXX then they notified me that they weren't. I had the needed employer sign form and resubmitted on XX/XX/22. I know that both employers are eligible I spoke with Mohela in XXXX to ensure they had what was needed. I was told that I had " all my ducks in a row '' and to wait to hear from them in early XXXX. In mid XXXX I reached out to a representative and was told that it looked like my application was hung up and submitted for it to be reviewed again and it could take another 90 business days. I asked why that didn't occur when I spoke with representatives during the summer and fall. She said she didn't know and that she couldn't do anything else to assist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: FL

Complaint narrative:
I've been dealing with a troublesome account that is misleading and false, as it incorrectly indicates that the account is in foreclosure while it was actually paid in full. After disputing this with you countless times, you failed to perform a reasonable and complete investigation, causing me severe distress and actual damages as a result of being rejected numerous things for which I should have been approved. This XXXX XXXX XXXX account with an account number of XXXX on XXXX and account number of XXXX experian is destructive to my health and I need CFPB to enforce the fairness and proper reporting of this account on my credit report. I have proof that i will attach showing the account paid off and in good standing.

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: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
On XX/XX/2022 I made a phone payment to United Wholesale Mortgage for my loan payment of {$1600.00} as they stated they had not received my allotment payment that the military had sent to them. On XX/XX/2022 I made another phone payment as they stated they had not received my allotment payment that the military had sent to them. At this point I was getting harassing 's phone calls from them. Both of these payments were not posted to my mortagage account by United Wholesale Mortgage for unknown reasons noone from their company could seem to help me. My bank statment was showing the money out to them, my military statement was showing payment that way so at this point they had double payments on my end and they were showing no payments on their end. In my frustration I called my daughter to help me as I was seeing the money coming out of my XXXX account and my bank account. At this point my daughter took control. We printed my LES statements and sent them they then " found '' the money from the military and posted that to my account that fixed that. They however can't find my money I paid from the phone payments. We have provided bank statements showing the XXXX payments to their bank, letters from XXXX XXXX all of this documentation and still they are unable to provide the payments to my mortgage or refund the money back to my XXXX XXXX account. At this point they owe me {$3200.00} along with the unnecessary late fees and finance charges they charged my account while they stated I was late when in reality is was them not posting my payments to my account both the phone payments AND the XXXX payments which is {$60.00} which may not be a lot of money to them but to me a XXXX retired veteran on a fixed income it is. Because of the questions my daughter has asked and social media questions she asked because she gets no response from the company they have since sold my loan with no notice and are now holding my XXXX mortgage payment that received from XXXX and not transferring that to XXXX XXXX XXXX Bank even though we have the XXXX statement showing their bank was paid the money. They state they can't find it. That is an additional XXXX that is owed to the new mortgage company. This is how United Wholesale Mortgage treats its XXXX and trying to work with the same person is useless that is absolutely impossible so every time I call in I have to talk with the same person and resend the documents so that person has to research it themselves and get back to me which never happens. I am at a loss and out of money. My daughter is out of money to help me. Please help me get my money back I have proven I paid them my bank records should be enough I don't know which of their customer 's loan has my payments posted to their account but I need my savings back and I need my current lender to get my XXXX payment because of course they are showing me past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Acct # : XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX Acct # : XXXX XXXX  XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX  XXXX  XXXX  Acct # : XXXX XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # : 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 2023-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Medical Data Systems is reporting on my credit as owing them {$100.00} with a date of delinquency XX/XX/XXXX and a reporting date of XX/XX/XXXX. There is a statute of limitations of 3 years in the state of North Carolina. 
Violations : 1. Defamation of Character - Information has been published and communicated to a third party.

2. Validation and Verification has not been provided as requested. 

3. Permissible Purpose Law- The law requires that these entities obtain the consumer 's consent prior to collecting and using their information, and that they must take reasonable steps to ensure the accuracy and security of the information. The law also grants consumers the right to dispute inaccurate or incomplete information in their credit reports.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FRCA The term " Investigative consumer report '' means a consumer 's report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Account : XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have tried disputing charges made by a merchant under XXXX  and the bank has notified the back office that I stated they are unauthorized charges but they will not provide a temporary credit unless they dont give me a answer after the 10th business day well as withdrawals that were made from XXXX  which I did not make. I also mentioned based on another claim I made about a non chase atm that I lost my card and on top of the XXXX  charges, chase doesnt want to give me a credit for the non chase atm withdrawal and the XXXX  charges. This is over XXXX XXXX dollars! I explained I have been sick and in out of hospital so I have had no access to my account. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CO

Complaint narrative:
Chime locked my account due to a refund I received. 4 days later the closed my account and told me I dont get a refund for any balances. They kept my paycheck and the refund I received. Ive emailed them repeatedly and they wont respond to me anymore. They stole my money. XXXX XXXX XXXX is the refund they locked my account for and XXXX even tried to reach out and they wont respond or give me my money back. My company even reached out trying to get me my money and no response. This happened on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: GA

Complaint narrative:
About 1 1/2 ago I found out Afni was on my credit report when I moved into my new apartment. The afni credit collector is affiliated with XXXX. The apartment building I was moving to had XXXX built in the rent and brought this to my attention as I had to set up a new XXXX account through them although I had already been with XXXX for several years prior. I called XXXX to try to figure out this account and they informed me after doing their investigation that this was actually under a XXXX XXXX NOT XXXX XXXX and they were unsure why it was hitting my credit. Ive been with XXXX now xfinity for almost 10 years and have never been in bad standing with them so I was really confused up until I called them and they did their investigation. I spoke with afni and they were very rude and told me I had to pay it still. I was able to dispute with the credit bureaus and it was removed. However, my credit was updated today and the same Afni account is back on my credit report reporting a delinquent account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.

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 2023-01-05 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX Reported to the credit bureau that I owed them {$16.00} XXXX was unable to secure housing for me and family due to their careless error. I paid the {$16.00} only to receive a check months after for {$1000.00} showing where XXXX XXXX XXXX XXXX owed me. 
The mistake has caused me to receive higher interest rates including some denials.

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian/XXXX  released my report without my written consent and violated my federally protected rights XXXX XXXX is using my identity and saying I owe them 15 U.S. Code 1681b No permissible purpose ; no written consent as required by law 15 U.S. Code 1681 consumer reporting agency must take a vital role protecting my rights 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 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I wish to file a complaint on Capital One bank. They are investigating a couple of wires I received because they wrongly believe them to be fraudulent and they are withholding my funds and have blacklisted me on XXXX blocking me from opening an account with any other bank. 

The details of the wires are as follows. My girlfriend, who is working overseas, has a son who is seriously ill in a hospital near XXXX. She was having problems paying the doctor directly so she asked me if I would accept the wires and forward the funds to this doctor. Of course considering her sons health is at stake. I agreed. She first sent me a {$4900.00} wire on XX/XX/2022 to pay the doctor for treatment as needed. 

Capital One made those funds available to me for use. Now since the general rule of banking is once a wire has been accepted by a bank and the funds are debited in an accountholder account, those funds are available for immediate use. So I forwarded a portion of those funds to the doctor. A second wire of {$7600.00} was then sent on XX/XX/XXXX, again accepted by Capital One and deposited into my account for use. Again believing those funds were available for use, I forwarded some of those funds to the doctor on XX/XX/XXXX. Then out of the blue, on XX/XX/XXXX, Capital One reversed the second wire transfer to the doctor, locked my accounts preventing me from having access my money in any account, and actually sent back to funds from the second wire to my girlfriend! I mean what bank does that? I called them to find out what was going on, and they explained they were investigating the wires and believed I was the victim of a scam. Now I am a customer or Capital One, and a bank responsibility is to protect their customers. Now what bank believes their customer is the victim of a scam, yet returns the wired funds to the SCAMMER. By doing so they have created a NEGATIVE {$5100.00} balance in one of my accounts and they are actually demanding I send them funds to bring it up to XXXX. I have two accounts at Capital One. The one that now has a negative {$5100.00} balance due to them returning the {$7600.00} wire to the sender, and a second account that has a positive {$6100.00} balance. But they refuse me access to the account with funds so I can cover the negative balance in the other account

Company response to consumer: Closed with explanation