vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-19 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Good afternoon, Amex Account numbers as follows : XXXX XXXX 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Was charged TWICE for items that were never delivered, once by merchant and once by Chase. Need to be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX traveled from TX to CA to pick up my mother 's safe deposit box. I had all the documentation, had an appointment. Wells Fargo Bank refused me access to my box because of an back office on their end. Wells Fargo Bank - XXXX XXXX XXXX - Assistant Vice President - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, CA XXXX- I left with the understanding that my box would be inventoried and shipped to me after their back office issue was fixed and showed up in their computer system. I picked up my box XX/XX/XXXX, found out that it was shipped improperly per bank protocols and all the currency and coins were missing. This was a branch to branch shipment. I was refused access to my bank when they knew I had traveled XXXX miles to pick it up and someone in the XXXX XXXX branch conspired and robbed my box. I have contacted Wells Fargo Corporate, and I'm working with them, they acknowledge this should not have happened and are apologetic. A crime has been committed here and I need assistance.

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 2023-06-19 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: NY

Complaint narrative:
There was a late on my credit report it just happens once and I just wanted them to have this late mark on my account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: FL

Complaint narrative:
On XXXX, {$250.00} was taken out of my direct express account, I didnt notice it until XXXX when I checked my account to pay a bill, I called direct express , put a claim in, and a lady called and said her name is XXXX XXXX and that she was the navigator on my complaint! After researching, XXXX called me and asked do I know anyone at XXXX XXXX. Here in XXXX Florida. And I told her that it shouldnt be no other address connected to my account, I asked her what was going on, she said she couldnt not tell me, I said you mean this is my account and you cant tell me whats wrong. After XXXX did some more research, she gave me a check number, and said in 5, to 7 days I will receive my money back. The check number, XXXX, after two weeks, I called back no one seems to know where my money is, I have talked to so many people, I was told to called coamerica bank, they are the owner of direct express debit card. I called and talked to XXXX, she told me that my local branch requested the money and put a code XXXX, which was untrue, I went to social security office, and they didnt request anything, I had an appointment. If anything social security would have said something then, called direct express back, it is so much to this that I cant put everything on here, XXXX XXXX and my granddaughter is helping me I dont know too much about this on line thing, please help me get my money back, XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
Hello- I believe I am missing months of repayment that should count towards forgiveness. Could you please review the following months? XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ; XX/XX/XXXX ). 

Also, I was placed in a school deferment when I was not in school and making payments. I graduated from XXXX school XX/XX/XXXX and returned to graduate school XX/XX/XXXX. During this period of time, I was working full time ( not in school ) at a qualifying employer. My employment certification for this time was submitted and accepted. Could you please review this record to that this time can be changed and added to my PSLF counts. I am unable to retrieve information from the service because they are closed ( direct loan servicing/acs ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: NY

Complaint narrative:
12 inquiries on my credit report that I did not authorized need to be deleted

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 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
12 inquiries on my credit report that I did not authorized need to be deleted

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 2023-06-19 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: NY

Complaint narrative:
Debt included in or discharged through Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXXXXXX XXXX  : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXXXXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or XXXX through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX  Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE. Can you delete this ASAP and send me and update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/, I tried to log into my checking account with Truist but I was unable to access the account. I called the number on the back of my debit card and a representative told me that my account was closed because Truist ended their " relationship '' with me due to " XXXX fraud '' and that I should wait until a letter explaining " why '' was mailed to me and it would explain the closure. As of XXXXXX/XX/XXXX I had not received the letter. I called the number on the back of my card again and the representative indicated that someone had accused me of a fraudulent XXXX transaction. On Saturday XX/XX/, I went into a local branch on XX/XX/XXXXXXXX in XXXX, Ga. and spoke with XXXX XXXX. He was not able to provide me with any additional information except that the notes stated that my account should not be reopened for any reason. 

I received the " letter '' on XX/XX/ but I did not get access to it until Sunday, XX/XX/XX/XX/XXXX However, the letter did not refer to the reason that my account was closed like the Truist representatives told me would be include in it. I have uploaded a copy of the " letter '' to the portal. 

I am asking that your agency reach out to this institution in order to get a NON-Inflammatory reason for ending our " relationship ''. Being accused of fraud is a damaging accusation and will cause major damage to what I am doing in my life. I could care less about them closing my account even though after this I would close it myself because of the highly inflammatory accusation. I would like for not only to be provided with the information they received that brought them to this decision and I would like for this information to be removed, if added, from the data base that banking institutions used in order to open an account.

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 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account

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 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reach out to Experian and they said to send a complaint here with a inquiry that I did not authorized

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 2023-06-19 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
COMENITY BANK {$540.00} closed my account due to XXXX as they had an option to close account without any penalties, but yet its still on my credit as unpaid. 

XXXX XXXX {$560.00} I cancelled service within 10 days so they tacked on a cancellation fee which i was 5 days ahead of the 15day notice XXXX {$2300.00} XXXX merged with XXXX closed my account then charged me for all the phones on my account with no warning XXXX XXXX {$1100.00} Sold my account to a debt collector after 1 missed payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: NY

Complaint narrative:
There was a late on my credit report it just happens once and I just wanted them to have this late mark on my account removed.

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 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There was a late on my credit report it just happens once and I just wanted them to have this late mark on my account removed.

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 2023-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom mortgage raised my payment amount without notification. They then took my payment and put it in a " suspense account '' and attempted to get extra fees based upon their claims of total non payment. As in there system deliberately marked is as me paying NOTHING. 

They then notified the credit bureaus that I was 30 days late when in fact I was not. You can see in the screenshot where they set the money aside and then pretended that they did not receive any money for that month so they could continue to tack on late fees. The did not notify me by mail. They did not notify me electronically. This is clearly XXXX behavior.

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 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022. 




The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.

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 2023-06-19 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-06-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I had a student loan debt taken out for my daughter in XXXX. I believe it defaulted in XXXX. I have been making payments that were automatically deducted from my account. The payments were made to XXXX XXXX XXXX. Around XX/XX/XXXX, I received a letter from MRS Innovative solutions, another debt collector, stating that we had an account with XXXX XXXX XXXX XXXX XXXX and that a payment of {$14000.00} was due immediately. When I called to find out what was happening, I was told that the last payment made was in XXXX and that the debt was due in full now. I did not notice that XXXX XXXX XXXX had stopped deducting payment. Upon review of my bank statements, I found that the last deduction was on XX/XX/XXXX. 

I called XXXX XXXX to find out the reason the payments stopped coming out. Their response was that there was no active account under my name or my husbands name. I also asked MRS why the payments stopped and their response was that they had no information other than the debt was due in full. They also offered a settlement amount of around {$12000.00}. 

I am trying to find out why payments were stopped by XXXX XXXX that led to the debt being owed in full. When I spoke to the representative at MRS I explained that I don't have a problem paying the debt, but that I can't make a lump sum payment and shouldn't have to since I had been on a payment plan with XXXX XXXX and was taken off the plan without my knowledge. 

To be transparent, they did not mention anything about a lawsuit to recover the funds and when I asked of they would pursue one, the representative said that was not what they do, that they are here to help us resolve the debt. I stated to the representative that, as a point of reference, the statue of limitations is 6 years in New York State.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 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: GA

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.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: IN

Complaint narrative:
On XX/XX/2023 I received a letter from XXXX XXXX  stating that they were investigating a transaction error that I had supposedly reported. I phoned them on XX/XX/2023 to let them know I had never heard of XXXX XXXX  and never opened a card with them. I asked for any personal information that was associated with the account and was told that I would first need to file a police report, obtain an affidavit from the FTC and provide copies of those reports along with a copy of my photo ID and a letter requesting the information from the account. They did let me know that whoever opened the card had my full social security number. I did provide them with all of those documents and emailed it to the address I was given. I received a response back on XX/XX/2023 stating that I would need to call as it couldn't be settled through email. I called on XX/XX/XXXX and they did close the account, but would not give me any personal information as to who set up the account and again told me I would have to submit the documents I just mentioned. I told them I had done that already. They tried to tell me it was because I didn't include the account number in the subject line so I resubmitted all documents with the account number in the subject line on XX/XX/XXXX. I received a response back stating that they reviewed the history of the account and found that the account had been closed and to contact customer service for additional information. I called the company again on XX/XX/XXXX and eventually asked to speak to a supervisor. She told me the same thing that I needed to submit documents that had already been submitted. The XXXXPD detective has also phoned them requesting information on who set up the account and he has been given the run around as well and had not been able to obtain any information. They have told him twice that they needed my permission to release information so I called to give my permission as was told about submitting the documents again. The detective called them with me on the line on XX/XX/2023 and they gave us a phone number that was supposed to be their fraud department and when the detective called the number it was the FTC. The detective asked me to file a complaint with The Consumer Financial Protectioni Bureau hence the reason for this letter.

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