vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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: 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. 

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 has violated my rights. Or a list of inquiries : 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 2023-11-27 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: Experian Information Solutions 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. 

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 has violated my rights. Or a list of inquiries : 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 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Over the past XXXX years our Taxes and / or insurances are raised therefore there is a " shortage '' in our escrow account. We pay the " shortage '' based on the letter sent to us from the mortgage company ( Mr. Cooper ) and yet our mortgage payment still goes up. Please note ; in anticipation of a yearly increase I send additional funds to be applied to the escrow account but they apply it to the principal instead...???. 
I called again to find an explanation and they say we do not calculate escrow that way. (??? ) When I ask for a supervisor, they refuse to put the call through but file a request (? ) and tell me a supervisor will call me in XXXX hours. the last time I attempted to resolve a problem with a supervisor. I did NOT receive that call back nor do I expect to receive one now.. 
When a mortgage company raises your mortgage for no apparent reason the consumer deserve to know and understand what is happening with their mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2023-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XXXX, I opened a high interest savings account with XXXX XXXX with {$12000.00} put in. On XXXX, I received an email stating that my account was fully funded. I checked the account ( online only ) on XXXX and saw there was nothing in there. No funds, no pending transactions... nothing. So I made another transfer for the same amount ( {$12000.00} ). Still nothing pending. On XXXX, XXXX XXXX withdrew {$25000.00} from my checking account ( XXXX XXXX XXXX resulting in a {$2500.00} overdraft. On XXXX, {$12000.00} was returned to my checking account. On XXXX, when I could still access my account, I attempted to make another {$2500.00} transfer but was denied because my account had been frozen due to " fraud. '' I have made repeated calls to the only customer service line available, and have received no answers. All I have been told is that someone from fraud will be calling me or I can call a fraud department number. Unfortunately, every time I call it immediately goes to voicemail, and also says that the mailbox is full. It has been almost three weeks since my account was frozen and I have received no help, no updates, and no anything.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding Experian 's handling of my credit information, which I believe violates the provisions of 15 U.S. Code 1681s2 ( a ) the duty of furnishers of information to provide accurate information under the Fair Credit Reporting Act ( FCRA ). 

I have identified several instances of inaccurate personal tracking information and unauthorized credit inquiries on my credit report, and despite my efforts to dispute these inaccuracies, Experian has repeatedly updated the information as verified without providing any proof of such verification. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Unauthorized Credit Inquiries : XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bankruptcy : XXXX XXXX  Bankruptcy, XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Following Accounts : 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 XXXX XXXX I have requested proof of the verification process for the updated information, particularly regarding the unauthorized credit inquiries and alleged bankruptcy, but Experian has failed to provide any documentation. I am concerned that this violates the duty of furnishers to provide accurate information as outlined in the FCRA. 

In light of the above, I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into Experian 's practices regarding the verification of information and to ensure compliance with 15 U.S. Code 1681s2 ( a ). Additionally, I request the immediate deletion of the unverified and inaccurate information from my credit report. 
I appreciate your attention to this matter and look forward to a prompt resolution. Please find attached copies of relevant documents supporting my dispute. 

Sincerely, 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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XXXX XXXX I made a minimum payment due for {$110.00}. 

XXXX XXXX My ACH filed which was unaware to me. 

XX/XX/XXXX, XXXX I made two payments for {$250.00} and {$16.00} totaling of {$260.00}. 

XX/XX/XXXX, XXXX I made another payment for {$130.00}. 

I have a late payment report for XXXX for 30+ days late which was only two weeks late when the payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX On XXXX XXXX XXXX there was a series of unauthorized transactions that were charged on my Bank of America checking account. I did not receive any fraud alerts or notifications to confirm charges. On XX/XX/XXXX after login in to my online banking, I discovered the fraudulent charges and immediately notified Bank of America. I disputed the fraudulent transactions and was told that I would receive a residual credit in 10 days. On day XXXX they denied the dispute. I contacted Bank of America to find out the reason for the denial and the rep stated that the notes said that I " told the agent taking the claim that I wrote my pin number on the debit card. '' I told the rep that I never said this and that they could replay the phone call because I knew the calls were recorded. The rep stated that she would re-open the claim for reconsideration. 3 days later they denied the claim again but with different reasoning. This time I was told the reason for denial was because the account was never depleted. ( Basically stating that if a fraud had occurred, the account would be empty ) I was giving no other means of appeal. Unauthorized charged are listed : 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 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

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 2023-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
In early XXXX, I applied for all XXXX of my XXXX XXXX XXXX XXXX MOHELA to be put on the XXXX XXXX XXXX XXXX anticipation that XXXX would become XXXX On XX/XX/XXXX, all XXXX were approved for XXXX. On XX/XX/XXXX, I received a letter saying only XXXX of my loans were switched to XXXX, while the other XXXX were still on XXXX. I received no follow up emails. On the weekend of XX/XX/XXXX, I logged into MOHELA to check the status of the loans, and say that the XXXX that were on XXXX were switched to XXXX without any notification. The payment amount is somewhere around XXXX what it would be under XXXX. I called them on XX/XX/XXXX to try and rectify the issue, and was told that " there is just no notes on the account so they can't see what happened. '' and I would need to re-apply for XXXX. They made no guarantee this same thing would not happen again, or that the I would be approved in time of my forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
XXXX XXXX has not giving me proper arbitration on a card which I have disputes on.They have a third party which is trying to take me to court.

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 2023-11-27 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: NY

Complaint narrative:
I am reaching out and filing this complaint to EQUIFAX to address a concerning matter regarding my credit report, and I appreciate your attention to this issue. 
Recently, I discovered fraudulent accounts on my credit report, prompting me to file an FTC report with the identity theft report number XXXX. Despite taking this action, upon reviewing my credit report, I noticed that these fraudulent accounts continue to be reflected. As a consumer, I place a high level of trust in EQUIFAX to safeguard my personal information and furnish accurate credit reports. Unfortunately, I have observed multiple inaccuracies on my credit report, including discrepancies in balances, dates of late payments, payment status, date of last payment, and violations under FCRA policy. To facilitate the resolution of this matter, I have attached the FTC report, along with a copy of my driver 's license and proof of address. I believe that by working together, we can rectify these inaccuracies and ensure the integrity of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am being reported inquires that I do not recognize and have reported that they are not mine, I do not have any active accounts currently nor have I had any of those inqires listed in my report, please remove them from my report immediately, Thank you.

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was charged two unauthorized amounts of {$29.00} ( total of {$59.00} ) for XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX and immediately filed a claim with my bank, Bank of America XXXX They gave me a Temporary Credit Adjustment on XX/XX/XXXX for the claim # XXXX I cancelled my debit card and was issued a new one since this was a case of fraud. 
On XX/XX/XXXX I was charged from Bank of America yet again for the two amounts of {$29.00} ( total of {$59.00} ) under the charge of Temporary Credit Reversal I did not make these original transactions and do not know why my claim was denied

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 monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is a multiple inquiries on both my Transunion and XXXX reports that I did not authorize them to look or run my credit. Please update and remove these inquiries from my reports. I have attached a fraud 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 2023-11-27 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: NC

Complaint narrative:
there is information on my transUnion and XXXX credit report that has been already removed from my XXXX report. all consumer reporting agencies conduct the same investigation process so these items need to be removed. the fair credit reporting act states that I have a right tom privacy and the only way a consumer report can be furnished is with the consumers written instruction. I never gave any consumer agency any written instructions to furnish my information. also transaction and experience between a consumer and a person making the report are not supposed to be on my report as well. all of this is federal law the consumer report agency have violated several federally portected rights and I need XXXX XXXX removed from all consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys

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 2023-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
XX/XX/23 I called Aid Advantage to ask about some details involving my repayment. They were unable to answer my questions. I asked why one of my accounts was at {$4500.00} and after the first month of XXXX 's payment only brought the principal down to {$4500.00}. I mentioned that this was the same for all of my loans and that there was more allocated to interest in XXXX than in XXXX. Their reply was that my account was in forbearance and that interest had accrued. I explained that there was no interest during the freeze and they replied with the definition of interest, that if you have a loan, each day the loans accumulate interest. They were unable to assist me with detailed information on how my account balance was being managed by their autopay month over month. This appears similar to my wife 's account and many others online have described similar issues. 

In addition my credit score dropped XXXX from " increasing from XXXX to XXXX. '' It is difficult to find proper history of this on the Aid Vantage website and the representative was unable to tell me why my account accrued interest when it should not have coming off of the freeze that everyone was on. 

If this company is handling my loan and can not assist me with the information in house my debt is being handled, The US government needs to step in and solve this massive issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: UT

Complaint narrative:
Made a payment on XX/XX/XXXX. Payment was accepted, the payment was reversed on XX/XX/XXXX, but my online account says reversed on XX/XX/XXXX. 

Made a payment on XX/XX/XXXX. Payment was accepted, the payment was reversed on XX/XX/XXXX, but my online account says reversed on XX/XX/XXXX. 

Made a payment on XX/XX/XXXX. Payment was accepted, the payment was reversed on XX/XX/XXXX, but my online account says reversed on XX/XX/XXXX. 

Made a payment over the phone on XX/XX/XXXX for XXXX and XXXX and the payment was accepted. Received an email on XX/XX/XXXX stating I have missed a payment from my student loans. My EdFinancial account shows XXXX of my loans have late payments from XX/XX/XXXX even though I paid for XXXX and XXXX on XX/XX/XXXX. I can not reach anyone by phone or get an email response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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