vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account XXXX professional debt, 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 states a consumer reporting agency can not furnish a account without my written instructions in accordance with the fair credit reporting act convergent account 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 states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXXXXXX is reporting late payments and I did not complete these payments late as I reported that card as lost and stolen it was fraud. late payment dates XXXX, XX/XX/22, XX/XX/22, XX/XX/22

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 2022-08-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX account XXXX professional debt, 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 states a consumer reporting agency can not furnish a account without my written instructions in accordance with the fair credit reporting act XXXX  account 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 states a consumer reporting agency can not furnish a account without my written instructions XXXX  XXXX is reporting late payments and I did not complete these payments late as I reported that card as lost and stolen it was fraud. late payment dates XXXX, XX/XX/22, XX/XX/22, XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: Delivery Financial Services, LLC
State: IL

Complaint narrative:
Original bill from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Bill sent to collection company Delivery Financial ServXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I had my XXXX XXXX I have XXXX XXXX XXXX XXXX ( XXXX Plan ) medical insurance with no co-pay/deductible as I am XXXX, XXXX  and only receive Social security income. XXXX XXXX is an in network doctor. They did about 5 incremental XXXX XXXX XXXX XXXX XXXX XXXX with over XXXX bills for numerous follow up visits for XXXX XXXX over several years. XXXX XXXX did not send two bills to me nor my insurance and thus were not paid. I just found about these bill when I pulled my credit report and saw that they were sent to Delivery Financial Serv collection company. I wanted to send the bill to my insurance. XXXX XXXX says they do not have open bills for me. Delivery Financial Serv says they do not have the original bill to provide me and that I will have to get it from XXXX XXXX. I am just getting the run around. I have TONS of paid bills from XXXX XXXX. If they had sent this bill it would have been paid. I called XXXX and they trippled checked my bills- the charge was never received. No one can provide with a bill to send to my insurance. I expect now it will be too late to even bill my insurance. LASTLY, the 2 bills should be removed from my credit report until I at least get a bill and possible until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
It all Begin XX/XX/XXXX this year when my Mortgage company contacted me that Effective XX/XX/2022 my mortgage loan servicing will be transferred from XXXX XXXX XXXX XXXX XXXX to Fay Servicing , LLC. SO MY XXXX PAYMENT OF {$540.00} was the last payment to Community Loan Servicing. So I call Fay Servicing 1st to set up Auto pay because I were yet to receive my Welcome package with my direction, once received welcome package it instructed me what to do, I went on line and set up auto pay for upcoming draft XXXX XXXX. On XX/XX/XXXX I notice my auto draft of {$540.00} Pending from my checking account ALSO I saw another Pending of {$950.00} from Fay Servicing that I did NOT AUTHORIZE, I call my Bank XXXX and spoke with the Security Dept, they instructed me to call Fay Servicing I did, they told me they saw Nothing on my file of that {$950.00} Charge I went back and forth with My Bank and Fay Servicing.XXXX XXXX Fay Servicing XXXX Credit of {$95000.00} back to my account.Same thing Happen XX/XX/XXXX my account Debited {$950.00} un-authorize Transaction, Fay Servicing Reversa Credit back to my account of {$950.00} XX/XX/XXXX. On XXXX my account Debited {$950.00} and UN-AUTHORIZE TRANSACTION. I haven't been Credited YET.Its A MESS, and I'm Tired

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase and theyre bank XXXX  let someone open an account in my name and withdrawal funds from my account and wont do anything to help the situation. I cant get a hold of a live person and they wont respond to my via email anymore. 

XX/XX/2021 - Coinbase Charged me XXXX XX/XX/2021 - Coinbase Charged me 3 seprate times all for XXXX each adding up to XXXX XX/XX/2021 - Coinbase Charged me twice for XXXX each adding up to XXXX that day XX/XX/2021 - Coinbase Charged me XXXX and again for XXXX. 

I few months later when i was doing my taxes i noticed the funds missing. My bank did a investagation but was unable to do anything since it had bee so long. I contacted Coinbase multiple times and the refuse to do anything even though they have since locked the fraudulent account and know it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMT Solutions, LLC.
State: WA

Complaint narrative:
I received a letter from PMT informing me of my past due bill from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. PMT wanted me to pay them a {$60.00} service charge on top of my bill. I went onto the XXXX XXXX XXXX website and paid the bill directly on XXXX for the amount of {$250.00} which has been approved and withdrawn from my bank account. PMT now calls me daily leaving robocall voicemails to call them back with no reasoning. I have checked my credit report bi monthly and not had any debt collections on my report. This is looking like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/XXXX I received notice by mail that I was granted both an Administrative Forbearance with a begin date of XX/XX/XXXX, and General/Temporary Hardship Forbearance with a begin date of XX/XX/XXXX, and I was also told by phone that my loan was granted deferment. As of today my loan has not been reported to the credit reporting agencies correctly. It still shows late payments on my loan and I have written AES to address this and made numerous phone calls without any progress. I am going to send a copy of my forbearance results along with the portion of 15 USC 1681 that states having these missed payments on my report is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I tried multiple times fixing this issue with affirm and they keep neglecting me I have a baby o the way and told them this affecting my future with my family and even trying to get a home I started using affirm for XXXX present and they're was a XXXX present I bought through affirm that I never received so I opened a dispute with them affirm did not but got me late on payments neither did I have the option to pay for the shoes so I don't get late and mess up my credit they're app is faulty and makes people miss payments due to open disputes on purpose during the dispute I asked them would this affect my credit and they said no I waited and waited for them not to get my money back even after which made me have to pay for the shoes in full that I never received and then the dispute got me a missed payment on my credit report I tried 4 times to have them fix this and all they do is tell me to call XXXX when they messed up my credit and dropped me XXXX points for they're neglect while am going through hardship and covid they need to fix this has a goodwill I only have one account with them and they have it on my credit like I have 5 accounts. fix this,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I believe Wells Fargo purposely kept saying they hadn't received documents for my loan modification and asking me to resend ( over and over again ) while they waited for the interest rates to go back up. I was told that if I did a loan modification that my payments would go down but instead they went up! Something that was supposed to help us with all the financial trouble we had because of CoVid has instead added so much stress to our lives.

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I completed a balance transfer with 0 % interest for 6 months, but now my statements no longer show the promotion. I have been charged interest for the months XXXX and XX/XX/2022, but the advertised promotion should have been until XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 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: HI

Complaint narrative:
on XX/XX/2022 I filed a complaint thru the CFPB against TransUnion complaint # XXXX & stated that US DEPT of ED had fraudulent accounts on my credit profile that need to be removed immediately. I also included a copy of my police report My complaint was supposedly " investigated '' however these items STILL remain on my report : DEPT OF EDXXXX XXXX balance {$0.00} DEPT OF EDXXXX XXXX balance {$0.00} US DEPT OF EDUCATION XXXX balance {$0.00} TransUnions response to my CFPB complaint was XXXX we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. Based on your request to add an extended fraud alert to your credit report, we sent you a letter to confirm the alert has been added ' How exactly did the creditors 'verify ' my information?? 
And I did NOT ask for a Fraud Alert to be placed on my credit report either According to 15 USC 1681 a3, you ( TransUnion ) assumed this role without permission, not only that you ( TransUnion ), did NOT have my consent.

You ( TransUnion ), did NOT respect my right to privacy which is stated under 15 USC 1681 a4. You ( TransUnion ), did NOT exercise your grave responsibility, you were unfair, AND you were partial.

If this is not resolved to my satisfaction this time I do plan to file a complaint with the Attorney General.

You ( TransUnion ), never had a permissible purpose Under 1681 b2.

I never instructed you to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

DEPT OF EDXXXX XXXX balance {$0.00} DEPT OF EDXXXX XXXX balance {$0.00} US DEPT OF EDUCATION XXXX balance {$0.00} You can also delete any old names, addresses and phone numbers completely.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I CALLED AND SPOKE WITH XXXX AT EXPERIAN, WHO IS THE SUPERVISOR, TO REMOVE ITEMS FROM MY CONSUMER REPORT AND WAS TOLD THAT THE ITEMS NEEDED TO BE DISPUTED. I INFORMED HER THAT I NEED THE ITEMS REMOVED IMMEDIATELY DUE TO EXPERIAN NOT HAVING MY WRITTEN PERMISSION TO FURNISH ANYTHING ON MY BEHALF. I ASKED XXXX IF EXPERIAN DOES IN FACT HAVE MY WRITTEN PERMISSION, AND ON A RECORDED CALL, SHE STATED NO. THAT IS A VIOLATION OF 15 USC 1681B ( A ) 2. IT IS ALSO A VIOLATION OF 15 USC 1681 ( A ) 4.NOT ONLY HAS EXPERIAN VIOLATED TITLE 15, BUT THEY ALSO VIOLATED THEIR OWN PRIVACY POLICY WHICH STATES " WITH YOUR CONSENT : WE SHARE YOUR PERSONAL INFORMATION WITH THIRD PARTIES YOU EXPRESSLY AUTHORIZE, CONSENT TO, OR DIRECT US TO SHARE YOUR INFORMATION WITH. ''

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email alert from Experian.com stating that a Hard Inquiry from XXXX was done. 

Today, I contacted Experian to dispute the Inquiry. They said it will be removed and to contact XXXX XXXX. In addition, Experian.com asked if I was interested in a freeze that would restrict new inquiry to require my authorization. As of today, the Freeze should be in place. 

I contacted XXXX XXXX XXXX department to be transferred to Application services. They confirmed an application was received and approved. XXXX XXXX has blocked the card as of XX/XX/XXXX. They stated no cards were mailed. I was advised check with the XXXX XXXX XXXX to verify if any fraudulent change-of-address were filed. 

I am in the process of reporting the fraudulent inquiry to XXXX and XXXX. I am also checking with the XXXX XXXX XXXX for any fraudulent address change request.

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 2022-08-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. On XX/XX/2022 payment history changed for XXXX from on time to past due. On XX/XX/2022 payment history changed for XXXX from past due to on time. On XX/XX/2022 for XXXX payment history changed from on time to past due. On XX/XX/2022 for XXXX payment history changed from past due to on time. On XX/XX/2022 for XXXX payment history changed from on time to past due. On XX/XX/2022 XXXX payment history changed from past due to on time. On XX/XX/2022 XXXX payment history changed from on time to past due. This creditor/account goes against the FCRA guidelines on fluctuating payment dates and unauthorized changes to my consumer report, I would like the account to report Perfect Payment History never late across all 3 credit bureaus in XXXX, EQUIFAX, AND XXXX. If the referenced account isnt reflected as payed in full The Attorney General will have acknowledgment on thee situation at hand. 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
These thieving criminals, in response to our legitimate complaints against their bad business practices, have instead decided to abruptly, and without warning, close our checking and savings accounts, and to add insult to injury, decided to confiscate {$20000.00} of our money which is actually XXXX XXXX federal loan money and illegal to confiscate. 

Please urgently investigate and advise, and above all, not only release our XXXX money in total, but keep the bank account open and punish those responsible for this theft.

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 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX of XXXX, I opened a Business Checking Account with Chase for my business XXXX XXXX XXXX XXXX. As a result of fraud in my account, Chase changed my account information in XXXXXXXX XXXX XXXXXXXX. Our business account enabled us to accept XXXX transactions. As a result of my excessive acceptance of XXXX transactions, Chase Bank decided to close my account on XX/XX/XXXX. A total of {$14000.00} was in my account at the time of the account closing. XXXX  complaints have been filed and I have been in contact with their " executive '' office. According to them, every XXXX transaction that I have completed must be verified with the sender and funds will not be released if the customer can not be reached. Authentication factors are employed by Chase and all financial institutions to ensure that funds are being sent securely. As a prerequisite for these funds being verified to Chase 's standards, I need to contact Chase and provide them with the contact telephone number that the customer has on file. They will not provide me with customers ' names, just transaction amounts. So I need to search through and hope that they can match it up to who they claim is the owner of the account. From my experience, this is not always the case as people have recently changed their telephone numbers. Therefore, I need to pray that the customer will answer Chase 's call when I am on the phone with the customer. Both of these conditions must be met in order for the funds to be released. They have made it impossible for my to receive my funds back. When speaking to their executive team they stated it is in their depository agreement signed at opening the account. I still have all the paperwork from opening the account and asked for them to point out where in my signed paperwork does it state this information. They then follow up with that it is on their website and then when i ask why is it not in my paperwork they point out a section stating that if my funds are being held due to criminal or legal sanctions. My funds have no criminal or legal issues associated with them. I have been fighting with them since XXXXXXXX XXXX XXXXXXXX for my money and they told me that they can legally hold it for up to 3 years then it becomes property of the state. I need help collecting my funds. As a small business owner this is could make a large difference in our ability to operate. When speaking to XXXX & her " supervisor '' they both have made it very clear chase has zero intreset in returning my companies money. XXXX can be reached at XXXX XXXX

Company response to consumer: Closed with explanation