vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: KS

Complaint narrative:
Called EdFinancial on XX/XX/2022 to request a refund of payments made during the COVID-19 deferment period. I was told the request was entered. I had not received any verification or notification that the request was completed, so I called back on XX/XX/2022. On this second call I requested a status update and was told it was entered but not processed. I asked if there was an expected timeline that I could expect and was told that due to the workload, that they are unable to provide me with any period of time that I would be able to anticipate the refund being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO

Complaint narrative:
See Attachment : Complaint Of Cherry Picking Bank Account Closing. 
Account Belonging To A Consumer Of XXXX See Attached Complaint Letter To XXXXXXXX XXXX XXXX XXXX CEO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. MUFG Union Bank NA have violated many laws. 
Section 605, Section 605A, Section 605B.

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 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I have a business credit card with Bank of America. I set up auto-payments for the balance on the card every month to be paid from my bank, XXXX. I set the auto-pay up correctly. 

When the bill was due, Bank of America messed something up. My XXXX account never received a request for transfer of funds from Bank of America ( and there was plenty of money in the account if it had ), but Bank of America has assessed it as a " returned payment. '' As a result, Bank of America has lowered my credit limit from ~ {$7000.00} to {$2000.00}. I suppose that is their prerogative, but it's pretty annoying! But, what they're doing that is illegal, is misreporting a " returned payment '' to the credit agencies, thus hurting my credit. 

I have called on four separate occasions and they have been completely unwilling to solve the issue. They have done no due diligence whatsoever on what went wrong- they simply told me to write a letter to the credit bureaus. They never called XXXX- if they had, XXXX would have told them that their request never got through ( despite my setting up it up 100 % accurately.

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 2022-09-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/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 2022-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
remove this from my credit report immediately this is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: WI

Complaint narrative:
Website is broken for a few months on and off I have requested US Bank to fix it multiple times with no avail. 

US Bank footballs me however they do nothing to repair their site. 

I am unable to even log in and I need an access to my financials and I need to fulfill my financial obligations otherwise I am to pay the fees.

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 2022-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MS

Complaint narrative:
For the last few weeks I have been trying to get an ECSI ENTITLEMENT DEFERMENT FORM APPROVED SINCE I AM XXXX XXXX XXXXXXXX XXXX STUDIES AT XXXX XXXX XXXX. XXXX STARTED ON XX/XX/2022 AND I WAS TOLD THE WHEN ASKING FOR A LOAN DEFERMENT BY ECSI chat rep that APU TXXXX XXXX XXXX XXXX will electronically notify each of your participating lenders within 10 business days of being updated. 

I would have to fill out a XXXX XXXX XXXX XXXX XXXX XXXX Request Form and have a school official sign it as well. I have filled out several of these forms and ECSI won't approve them with a new error each time. The first one was because I had a graduate or fellowship check. After that I got it signed by a school official to fill out their section. However, ECSI was not satisfied, instead error out error. The latest one suggests that the signature was fraudulent or they needed a wet signature from a school official mailed. What's really crazy is that they say you can upload the form but once you have downloaded the form already you can't upload it anymore. You get an error stating. Our records show that you have applied for this entitlement for your loan. Your entitlement application is currently being reviewed. Your entitlement application will be reviewed within 3 business days from receipt. You can check your account online for an updated status or contact a Customer Advocate at XXXX. 

Emails are ongoing and nothing is resolved because they refuse to accept the forms and want money. Violating rights when a student is full time has the right to defer student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
We applied for COVID 19 relief, we maintained contact with XXXX which was the company that bought our mortgage after our closing. In XXXX AmeriHome bought our mortgage and then ended the forbearance period without our knowledge and without even acknowledging even a change in mortgage companies. We got a letter stating forbearance ended and we now owe them a check for {$40000.00}. Without said check, we will be in foreclosure. Once we were made aware, we have been frantically trying to save our house. Amerhome promised a loan modification package that has not gotten to our house ( promised to be sent out by XX/XX/2022 ). Help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
I have written and requested validation of this debt from portfolio recovery and still have not been provided with validation that this debt is mine that is being published on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In the accordance with Fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy 15USC1681 section 604A section it also in states as a consumer reporting agency can not furnish an account without my written instructions under 15USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
In the accordance with Fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy 15USC1681 section 604A section it also in states as a consumer reporting agency can not furnish an account without my written instructions under 15USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Over the last two and half years Regions has continuously charged us overdraft fees even when we signed up for it to transfer money from Savings when an overdraft occurred. We discussed this problem time and time again with no resolution. We have slowly started moving funds to another bank. However, the little we still do have in regions continues to to have or charge us with hundreds of dollars in overdraft fees ( when they easily could withdraw from our savings to cover the amount ).

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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX a wire transfer was initiated between XXXX XXXX  XXXX XXXX to my trust account at Bank of America. This was the proceeds of a real estate transaction totaling {$610000.00} As of XXXX this money has not been deposited into my account. 

On XXXX I was able to contact B of A 's wire transfer department. I was told this money was on a compliance hold and B of A was waiting for a response from XXXX XXXX  to a series of questions. 

XXXX XXXX  says that B of A has not been in contact with them at all. 

I have attempted to contact B of A 's wire transfer department three other times ( and I am still attempting to do so ). 

As of today the only information I have been able to obtain is the funds are on a compliance hold. No information as to why or for how long has been provided.

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 2022-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Sir/madam. My name is XXXX XXXX XXXX owner of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Was a victim of an email Fraud in which case the fund went to XXXX XXXX. I have been trying to get this money back since XX/XX/2022, XXXX XXXX XXXX XXXX is holding this fund. I have been communicating with these 2 gentlemen below. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Sr. Vice President Sr. Area Security Manager Ofce XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX Fax XXXX XXXX XXXX XXXX XXXX XXXX. 
And also, in chase Bank from where these funds were transferred, Chase business Relationship Manager XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX Spoke to XXXX online fraud claim specialized Chase bank XXXX XX/XX/2022 New call come from Chase Claims XXXX XXXX EXT XXXX CHASE CLAIMS # XXXX XXXX XXXX XXXX XXXX Tel XXXX XXXX XXXX XX/XX/2022 XXXX XXXX : XXXX TAX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I took out a vehicle loan with BMO bank in XXXX. The car was registered to XXXX  and I registered it in XXXX to XXXX. In XXXX I fully paid off the loan receiving the attached thank you letter and Illinois title for my car. 

Two years since paying off my car, I'm told I can not renew my plates because my cars title is registered in Wisconsin and the title in my hands is void. The Illinois DMV only had so much information saying this new Wisconsin title was created in XX/XX/XXXX and that BMO was attached to this creation somehow.

Now my plates are expired while I'm running around between XXXX  DMV, Wisconsin DMV and BMO essentially stuck in a circle of every place blaming someone else.

XXXX  has stated that because BMO at some point requested a title back in XXXX it overpowers the new title I had made that has been valid for the past XXXX  years. The reason it took up until this year to be published was it just updated in the " national database ''. 

Currently XXXX  is in the process of trying to void the XXXX  title for me so it will make my XXXX  title valid but the expenses are piling on as I don't have my own garage and the parking lot tows expired plates.

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 2022-09-29 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: PA

Complaint narrative:
I have sent a letter to the Credit Consumer and they have failed to comply with my letter and has not replied. My letter stated the following : I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information above, so that I may follow up. 
2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I received a letter in the mail today, XXXX XXXX, dated for XXXX XXXX stating that my checking, savings, and credit card with USAA will be closed because they are exercising their right to no longer do business per the depository agreement. I called and was told its because of negative news about me which Im not sure what this means or how that affects my ability to have a bank account with them. Im assuming its because of my criminal background, which has no convictions. Im looking for a thorough explanation on why my accounts are being closed and if this is a violation.

Thank you.

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