vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-31 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: Prodigy Finance Servicing, LLC
State: PA

Complaint narrative:
Prodigy reported 2 missing payments each to XXXX for two loan accounts when I have been in continuous ( sequential ) forbearance arrangements. Here are the details of the Forbearance arrangements : XXXX. First XXXX extension request - first repayment date will be XXXX XX/XX/2022 as per Prodigy. 
XXXX. On XX/XX/2022, I applied for Forbearance ( request XXXX ). The request got approved and I wont have to make a payment between XXXX XXXX and XXXX XX/XX/2022. 
XXXX. I got a further extension on my forbearance which stated that I do not need to make any payments between XXXX XX/XX/2022 and XXXX XX/XX/2022. 
XXXX. Lastly, I again applied for an extension which stated that I wont need to make a payment between XXXX XX/XX/2022 and XXXX XX/XX/2022. 

I have been corresponding with Prodigy since XXXX regarding the late payment issue reported to XXXX, which is incorrect. Prodigy agreed over email that they reported erroneously and they have been giving me multiple dates by when the error would be rectified by prodigy, and my XXXX Report would be updated with " no missing payments. '' It has been close to 5-6 months and my XXXX report has not been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31 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: VA

Complaint narrative:
1 ). I am a natural person, I am a living human being, I have rights under 15 USC 1681. 2 ). Equifax is governed by USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed. 3 ). According to 15 USC 1681 : I have the right to privacy, I haven't not given Equifax written permission to furnish these accounts. 

Account 1 ). XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX ). XXXX / XXXX : xxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I deposited a check via mobile deposit for {$10000.00} into my business checking account on XX/XX/2022, received an email on the same day saying that my deposit was approved with a XXXX business days hold. The following day XX/XX/2022 I deposited another check of {$10000.00} via mobile deposit I received an email the same day stating that the deposit was approved with a XXXX business days hold. 
On Thursday XX/XX/XXXX, I went to the branch and deposited a check for {$7500.00} and the teller told me it was approved with a XXXX business days hold and my receipt stated the same. 
Based on the holds I waited until Friday XX/XX/XXXX to issue checks to my contractors. On Saturday XX/XX/XXXX, my account balance is only {$170.00}. I called NFCU and they told me that on XX/XX/XXXX all of my checks were put on a XXXX business days hold, and I wont have funds until XX/XX/XXXX and XXXX. I want to be very clear that at no point NFCU notified me of the extra hold time. They are holding over {$27000.00} in deposits. They are not small business friendly and this is affecting me and my business, my client is asking where is her material and I have to cover that with credit cards or with my savings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
MR. COOPER MORTGAGE LENDER UNJUST ENRICHMENT : LATE FEES : My mortgage company Mr. Cooper charges astronomical, random late fees ( mine was {$65.00} ) AND you can not make a mortgage payment unless you pay the fee first. Thus, to Mr. Coopers benefit, you would be charged additional late fees if you dispute one. I was forced to pay and they refuse to reconsider or explain why the chose the figure {$65.00} ; just that they reviewed [ my ] case and determined this the figure they wanted out of me.

Furthermore, late fees are compensation for potential damages and I can not get an explanation from Mr Cooper as to what damages causes by a 2-day late payment warrant the high fee ; or why/how they calculate different fees based on a review of the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
A refund for a cancellation to a hotel was reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: PA

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 : # XXXX, XXXX XXXX  : # 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 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 2022-12-31 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: PA

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My phone and wallet was stolen from my car I had to file a report about the incident. And my money was also stolen and use from all my accounts I had

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have contacted the company several times. Their payment system charges me extra interest randomly, even though I make a small payment every day to pay the daily interest and part of the principal. They refuse to admit there is an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 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
Consumer complaint received 2022-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XX/XX/2022, I somehow forgot to submit my Mortgage payment to Chase. I have not missed a payment on any bill in over 15 years. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX that a late payment was reported to my account. This notice from XXXX was the only communication I received about this XXXX payment. The moment I received it, I made the payment and contacted Chase about them reporting this late payment to the XXXX. I was told they would do nothing about it, however, I also work for a large bank. I am well aware that based on the FCRA, Chase needs to communicate with me that I have a missing payment, before reporting it to the Credit Bureaus. I have supplied Chase my phone number, address, email address, XXXX, and any other means necessary to contact me. I have their app, which include secure messaging. During no time between my missed XX/XX/XXXX payment and XX/XX/XXXX when I got the notice from XXXX, did Chase attempt to contact me to notify me that I missed a payment. Had they put in some effort to work with me, I would have made the payment the moment I knew it was not submitted. I make my payments online each month, and can only think that I forgot the final submit step when I went to pay XXXX payment. The payment was made the minute I found out about it. I requested to have this removed from my credit report, and they told me no. This is not valid credit reporting, as there is a violation of my fair credit reporting rights due to a lack of effort on Chase to collect this debt before reporting it as delinquent. I would like this removed from my credit report, for all XXXX reporting agencies. I care about my credit, I just wish my bank would too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: PA

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 XXXX Bank : # 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 2022-12-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX, l initiated a dispute with TransUnion about XXXX XXXX XXXX XXXXXXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX about reporting inaccurate information on my credit report by this credit card company. This account was open on XX/XX/18 closed and charged off and sold to third party collection agency or debt buyer. After TransUnion investigation, their finding was this account was verified as accurate but sold but no other party listed to who it was sold too .and it is not accurate. TransUnion updated credit report send to me stating that XXXX  XXXX XXXX  verified this account info as true not inaccurate information. But they are not telling the truth because this account was paid in full after it was charged off to third party collection agency. I have written XXXX  XXXX XXXX  several certified letters asking them to send me and all three credit bureaus who the account was sold to like name of collection agency and their contact info.XXXX  XXXX  XXXX  never responded back to me but supposedly responded back to credit bureaus. The credit report has another collection agency listed credit report but when l called this collection agency they told me it was transferred to another collection agency after a few calls l finally found who account transfer to them and l paid them in full. That collection agency agreed to pay for deletion and l paid them. They provide me with a pay for deletion letter to send to credit bureaus and the credit bureau refuse to delete this account because they said, XXXX  XXXX XXXX  has to send them updated info like who owns or who this account was transferred to. I been working and waiting on this new info or update for two years now But every time l send in dispute credit bureau saying this info is verified and accurate because it is not accurate because they are saying it is sold but to whom it say it not listed or given in comment area of my credit 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 2022-12-31 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: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2022-12-31 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: PA

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 XXXXXXXX, 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 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 2022-12-31 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 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 2022-12-31 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31 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: PR

Complaint narrative:
XXXX  XXXX  XXXX XXXX XXXX Accounts has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal credit union has held my funds from me for XXXX years. Via telephone, I have been transferred to the security department to deal with this issue After being on hold for XXXX hours, I was advised to go into a branch. When I went into the branch, they had me call the security center again, which I was inclined to wait there for another XXXX hours for the call to be dropped, and the branch to close. I do not have time to spend sitting in the bank for XXXX hours. Thereafter these uncomfortable interactions, my checking/savings account is no longer accessible online anymore. I feel as if I have been waiting long enough and they are unlawfully holding my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation