vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 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: MO

Complaint narrative:
The credit reporting agency is in violation of consumer rights to privacy from third parties ( Reporting agencies ). In violation of 15 U.S. Code 6802. I OPT out.

In general, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; That disclosure was never received either electronically or a letter. I the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ; and is explained how I can exercise that nondisclosure option.

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 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently on the forebearance and the mortgage company has been reporting on my credit report the whole time I have been on the plan. I was told that that my credit report is not supposed to be impacted while forbearance.My credit score keeps dropping because the mortgage company keeps reporting negative information.When I spoke reps they were very rude to me.

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 2022-10-05 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: CA

Complaint narrative:
I am currently on the forebearance and the mortgage company has been reporting on my credit report the whole time I have been on the plan. I was told that that my credit report is not supposed to be impacted while forbearance.My credit score keeps dropping because the mortgage company keeps reporting negative information.When I spoke reps they were very rude to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: CA

Complaint narrative:
I am currently on the forebearance and the mortgage company has been reporting on my credit report the whole time I have been on the plan. I was told that that my credit report is not supposed to be impacted while forbearance.My credit score keeps dropping because the mortgage company keeps reporting negative information.When I spoke reps they were very rude to me.

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 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a claim with XXXX XXXX XXXX, a partnership with my Bank of America Visa Credit Card. 

I filed a product warranty extension claim with their online site, XXXX ( XXXX ) regarding the defective XXXX XXXX I had purchased in XX/XX/XXXX. The watch was out of the manufacturers initial warranty, however my credit card offered warranty protection/extension. 

I submitted all required documentation and explained my situation to XXXX however they have unfairly denied my claim. The case manager believes that XXXX would not have covered this malfunction with my watch under their normal 1-year warranty. I also called them recently when I received the news my claim was being denied and they said specifically that the claim does not cover water damage. 

XXXX never stated the there was water damage or personal negligence on my part when using the device. 

In fact a major selling point for said device is its water-proofing abilities. It is used to swim, workout, under wet conditions, etc. 

So essentially the claims adjuster is stating they they wont reimburse me the {$370.00} I had to pay XXXX out of warranty, because XXXX believes that the product was water damaged. 

1- XXXX made no claims that the product was water damaged, only that it had malfunctioned and they could not duplicate the issue. 

2- Even if water was the leading culprit for why the watch was malfunctioning, it is still within the scope of XXXX XXXX 1-year warranty. 

Today, XX/XX/XXXX, I have submitted a formal appeal with their company, and emailed it to their main line, XXXX. I have proof that they opened the email as I use software to track whether or not it was opened. 

I am doubtful that they will even respond in a timely manner given the near two months it has taken to form a decision on the first appeal, and have since spent countless hours over the phone with their representatives to further discuss the matter. 

XXXX has unfairly denied my claim, and taken far too long to process the initial claim to begin with. They are discriminating my claim based on an assumption of the facts, and not the facts themselves. 

If a credit card is to offer these sorts of benefits, then they need to be held responsible when their use is requested by the consumer. 

It is is an unfair financial practice.

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 2022-10-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 aN 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 2022-10-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I went to XXXX in XXXX, 2022. I charged meals on my BJ credit card. I was offered to apply for special things through XXXX. I got an email saying I was chosen. I never heard any information about a {$700.00} charge. I had already purchased meals for the return flight. I never authorized {$700.00} to go on that credit card. That was almost the price of my entire trip. I made a claim to BJs. I found out after the fact that they closed out my claim twice. I kept asking for a reason that my claim was closed. I cant tell you all the ways I tried to get a response but never did. The credit card company sends me irrelevant letters. I never authorized this charge and the charge itself is ridiculous. BJs has been horrible. Im leveling a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2022 a transaction occurred for {$140.00} and after contacting Chime multiple times in regards to an unauthorized transaction to an unknown individual. Chime closed the claim the within 24 hours without explanation or returning the money and refuse to resolve the issue after multiple attempts on contacting them. I live off a fixed income and every little bit counts. Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
Not only did AES attempt to collect while there was a federal forbearance in place, they only offered forbearance as a last resort. However, after i took the forbearance, the forbearance counted against my personal forbearance allotment NOT the federal forbearance the gov't put in place. After that they started reporting my loan 90 days delinquent in XXXX which is less than 30 days after the federal forbearance was extended to XXXX!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX This letter is a formal complaint that you report inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.

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 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
On XX/XX/2022, I deposited a bank draft in the amount of approximately {$26000.00} into my checking account with Chase Bank. Because the deposit was made around XXXXXXXX XXXX., which is after normal banking hours, I opted to use the ATM to deposit this item. In reliance on the information available on Chase 's public website, I assumed that using the ATM to deposit this bank draft would not create any delays or holds on my account, and that the funds would be available within a few business days. Instead, upon deposit, I was informed that the bank draft would be placed on hold until XX/XX/2022 -- nearly two weeks. This hold froze my account and rendered it unusable -- neither deposits nor withdrawals could be completed, and transactions were declined. Because the instrument was a bank draft, upon verification of the order, the funds should have been made available. Chase refused to provide any reason for the hold placed on my account until XX/XX/2022. 

On XX/XX/2022, still unable to use my account, and one day after the hold on the deposit was lifted, I spoke with a Chase representative who informed me that they believed the ATM image of the bank draft appeared to have been altered. However, upon further investigation ( which had occurred prior to XX/XX/2022 ), Chase was able to determine that the instrument had not been altered, and openly stated that the hold and account freeze should not have been placed on my account in the first place. The representative assured me that the hold was to be lifted immediately, within 20 minutes to one hour. That time has elapsed, and I still do not have access to my account or the funds. 

The representations made by Chase -- in writing on its website, in writing on the ATM screen and receipt indicating funds availability on XX/XX/2022, and the verbal representations and warranties made by the representative over the telephone -- constitute incorrect, and in the very lease negligent statements on which I relied. Chase 's conduct is deceptive and unfair, as I would have chosen to deposit the bank draft with another institution or in another manner had I known that I would be unable to access funds in my deposit account for nearly two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: EQUIFAX, INC.
State: HI

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. 

XXXX : XXXX XXXX  : XXXX XXXX XXXX NY : XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX : XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
My USAA Bank account had been hacked my contact details were stolen, as well as part of my social security number! The scammer has successfully taken {$980.00}, and is actively attempting to transfer/withdraw money from all accounts! included XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
This was a student loan with Navient originally opened by my Ex-husband ( apparently cosigned by me ) in XXXX or so. He died last year and instead of the debt being XXXX during probate it was passed to me. 

However, I previously declared bankruptcy and was approved for XXXXXXXX XXXX XXXXXXXX XXXX in XXXX. ALL of my personal debt and student loans were subsequently XXXX on XX/XX/XXXX and I was granted a XXXXXXXX XXXX XXXXXXXX XXXX XXXX. The monitoring period for my discharge ended on XX/XX/XXXX. 

When I disputed this with Navient in writing, they dismissed me offhand and re-affirmed the debt, decreasing my credit score by XXXXXXXX XXXX since XX/XX/XXXX and ruining my previously Exceptional credit rating of XXXX. Navient has shown a complete disregard of Court Orders and continues to harass, disparage and damage me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I've called multiple times to get the incorrect information resolved. They told me they would investigate it but nothing has changed. I personally DO NOT OWE ANY STUDENT DEBT! It's causing me a hardship. Also, there's different names and addresses that I've NEVER been associated with. I've reached out to all three credit agencies in XXXX and XXXX, XXXX and just recently in XXXX of XXXX with no avail. I can't get a place of residence because of it. 
I want to seek damages from all three agencies due to causing me such a hardship!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: IL

Complaint narrative:
I have XXXX student loans opened in my name as well as about XXXX inquiries. I've took the steps to file the correct reports and send the documents. However, the CRA 's left XXXX student loans and about XXXX inquiries on my reports. I need the to remove the rest of the items listed.

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 2022-10-05 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: CA

Complaint narrative:
Upon viewing my credit reports I noticed my XXXX XXXX XXXX XXXXXXXX had a discrepancy in the DATE OPENED & DATE OF LAST ACTIVITY section of the listing XXXX and Experian are reporting different dates. The date open on the XXXX report says XX/XX/XXXX but on Experian, it says XX/XX/XXXX. Also, the date of the last activity also has different dates, XXXX says XX/XX/XXXX and Experian says XX/XX/XXXX. If this is the same account, reported by the same creditor how are these dates different? Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE this item immediately.

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 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: VYSTAR CREDIT UNION
State: NM

Complaint narrative:
About XXXX weeks ago, I asked Vystar Credit Union to cancel a secured credit card I had with them. They cancelled it as requested. Vystar is holding a {$2000.00} security deposit as collateral for this secured card. I have repeatedly asked Vystar to deduct any remaining balance which is far less than {$2000.00} from this deposit, and to refund the balance to my Vystar checking account. I have called them repeatedly. I have sent them written requests via fax and mail. I have received no response whatsoever from Vystar, and they continue to hold my deposit without explanation or just cause.

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 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 aN 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 2022-10-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 aN account without my written instructions.

Company response to consumer: Closed with explanation