vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting 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: GA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting 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:
I have contacted all three major credit reporting agencies and informed them of their criminal activity. All operators are unfortunately highly under traded on the subject. XXXX, XXXX and TransUnion are breaking law 18 USC 1028. I never authorized any negative reports to be recorded on my report. A SSA-89 must be signed by me to give authorization and I am fully aware that never happened. This is only one of many laws these corrupt organizations are breaking.

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 2023-09-16 00:00:00
Product: Credit reporting 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:
I have contacted all three major credit reporting agencies and informed them of their criminal activity. All operators are unfortunately highly under traded on the subject. XXXX, Experian and XXXX are breaking law 18 USC 1028. I never authorized any negative reports to be recorded on my report. A SSA-89 must be signed by me to give authorization and I am fully aware that never happened. This is only one of many laws these corrupt organizations are breaking.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had credit cards with Capital One and XXXX XXXX back in XXXX  and I couldn't pay off the balance because of a job loss. The creditors had charged off on the balance owed, and they started to report the debt again every month to my credit bureau decreasing my XXXX score and I couldn't get a car loan. Please see the attachments for reference. Thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had credit cards with Capital One and XXXX XXXX back in XXXX  and I couldn't pay off the balance because of a job loss. The creditors had charged off on the balance owed, and they started to report the debt again every month to my credit bureau decreasing my FICO score and I couldn't get a car loan. Please see the attachments for reference. Thank you very much for your 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 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
My Direct Deposit has not been issued. Chime is not giving any information other than they dont have access to see it or contact your employer, which I have. This now 2 days of not having my pay. I work for XXXX XXXX XXXX XXXX At this point with Chime this is fraud holding my funds Ive searched, this issue and there a lot of people in my situation and have not had it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The issue started when I tried to log in to my Experian account last month. I knew my password but it wasn't working. So I tried everything to reset it but nothing else was working either. It didn't recognize my phone number. When I tried to reset my username, the email address that link was sent to was not mine. I tried to get ahold of Experian but it is not possible to actually speak to someone on the phone. So I sent them a XXXX message requesting help. 

I then tried to sign up as a new user and had success. While it helped me in the short term, the fact that anyone could do this is probably why my account got hacked in the first place. I sent Experian a message through my new account detailing the situation. 

I first got a response from the XXXX route requesting more information which I sent quickly. They asked if it was still a problem since I was now able to get into my account, ignoring the fact that it had been hacked and nothing was stopping that from happening again. 

So I responded with a list of pointed questions, trying to collect information about how someone could have changed my email and phone without them informing the original contact info about the change, when this happened, etc. They ignored all my questions and just wiped out my login account, which included wiping out their access to the information needed to respond to my questions. They forced me to fax all my relevant documents before I would be able to reopen my account. 

Lastly, I was told the XXXX department would reach out when the process was complete so I could make a new account. I didn't hear anything after XXXX weeks so just tried to make a new one and it worked.

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 2023-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
This is a follow-up to complaint XXXX. Per the customer service representatives stated resolution to this issue. A phone call ( XXXX ) was placed on XX/XX/2023 at XXXX to initiate a payment for {$750.00} ( {$450.00} to the note payment and {$290.00} applied to the remaining principal balance ). 

This was executed in accordance with the Companys Response please contact our Consumer Vehicle Lending Department at XXXX, Monday to Friday, XXXXXXXX XXXX XXXX XXXX XXXXXXXX. to make a payment by phone. Yet the again, Bank of America failed to apply the payment correctly. This clearly demonstrates their incompetence and lack of understanding their own internal procedures. Im confident they will waffle on the concept of taking any responsibility for this and redirect me to making payments at one of their financial institutions ( you know since the payment by phone worked so well ). Based on the knowledge base of their customer service representatives they have handling these issues, my confidence in a teller to accurately apply my payments is non-existence.

In the interim, I will make my monthly payments by phone as instructed and continue to file these complaints till the CFPB investigates and initiates legal matters into the application of consumer loan payments from the Bank of America.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
They are using prior delinquent payment status on discharged debits that is effecting my credit score which will lead to a diminished quality of life for my family and I to be able to rebuild credit after a court discharged bk.

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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Subject : Unfulfilled Promotional Bonus on American Express XXXX XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to raise a concerning issue regarding my American Express XXXX XXXX XXXX credit card. In XX/XX/2023, I applied for this card enticed by a promotion promising new cardholders XXXX bonus miles upon fulfilling specific spending requirements. 

Here 's the summary : I applied for the American Express XXXX XXXX XXXX card on XX/XX/2023, primarily due to a promotional offer, which assured new cardholders XXXX bonus miles upon meeting specific spending criteria. 

I diligently met the spending requirement within the promotion 's time frame, providing documented proof of this. 

Unfortunately, my attempts to resolve this with American Express through online chat and phone support have been unfruitful. 

I expected to receive the XXXX bonus miles as promised, but they have not been credited to my account. 

I request your assistance in investigating this matter and ensuring that American Express honors their promotional commitment by granting me the XXXX bonus miles. Your prompt attention to this issue would be greatly appreciated. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PayTomorrow, LLC
State: MI

Complaint narrative:
XXXX is incorrectly reporting 60 day late payments on credit report. I have never had a 30 day late payment and especially not a 60 day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EAST WEST BANK

Complaint narrative:
To whom it may concern, I am writing to file a complaint against East West Bank 's XXXX banking service. Without any prior notification or explanation, my account with XXXX was closed. I have always maintained my account in good standing and have not been involved in any suspicious or unauthorized activities. 

I would like to highlight the following details : Date of Account Closure : XXXXXXXX  Account Type : Checking, Savings, etc. ] Actions Taken by Me : Upon discovering the closure, I attempted to contact XXXX XXXX customer service for clarification but received no clear explanation for the action taken against my account. 
I understand the importance of adhering to banking regulations and protocols. However, I believe that as a customer, I deserve transparency and communication regarding any significant changes to my account status. 

I kindly request the Consumer Financial Protection Bureau to intervene in this matter. My primary goal is to have my account with XXXX reinstated and to understand the reasons behind its closure. 

Thank you for your attention to this matter. I am hopeful for a prompt resolution. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FB FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have had an ongoing issue with paying my mortgage. Every month there seems to be a new issue that puts a block on my account to prevent me from paying. On XXXX, XX/XX/23, The block had apparently been removed, again, and when the girl called me to make my payment, she said she couldn't process the payment because the block was still in place. She then said that it could take up to XXXX hours for the block removal to be reflected on the account. She then told me that I could call in Saturday, XX/XX/XXXX, to make the payment. I made sure that she knew that she was telling me that I could 100 % make my payment on XXXX, after the XXXX hour period. I call in to make the payment, and guess who is closed on XXXX. So, I go to my online account, because she said I would also be able to pay there. Well, it is still showing a block on my account and will not let me pay. I have been constantly lied to, with several points I made to ask about to confirm these lies, and I have recorded all of our conversations. I am prepared to take this as far as possible, because this is a clear UDAAP violation, and I am shaking because of how angry I am at my mortgage company lying to me on a consistent basis and refusing to let me make my house payment. No one deserves to be treated how I have been treated. It is so frustrating, that it has had me questioning whether or not I want to continue living. I NEED help immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX  my 2 private student loans through Sallie Mae lost the reduced payment plan option and the cost went up to over {$600.00} a month which is something that I could not afford. In the past, when I received the option for a lowered rate ( 2 years at a time ), I was told to allow the loan to go one payment past due. 15 days after the loan was past due ( XX/XX/XXXX ), I called into Sallie Mae trying my hardest to get to a supervisor or manager who would give me new payment options so that I can continue repaying my loan directly with the company. They persistently told me no options are available to you. I asked for an explanation on why there were suddenly no options available to me, aside from paying the insane amount that they are asking for each month and I received no answer. I was told that I needed to make a years worth of payments at the current rate, but how could I do that if Ive been explaining that I cant afford that amount. I have been trying to pay something and every time I received a reduced rate, my payment was consistently made on time. However, now they arent willing to work with me at all.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the processof buying a home for my family.please remove the feaudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is incorrectly reporting 60 day late payments on credit report. I have never had a 30 day late payment and especially not a 60 day late payment.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
ChexSystems has not provided me access to my account, my report they keep or even a pin that I've requested months ago. 
.Also, I changed my information with the multiple times and they still have my old email and old phone number and they will not change these things.

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