vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter to the credit reporting agencies requesting a validation of the debt showing on my consumer report from XXXX XXXX XXXX. I have not received any response from Experian, XXXX or XXXX. In my letter, I mentioned that I have no knowledge of a debt that is owed to XXXX XXXX XXXX. I have reached out to XXXX XXXX XXXX as well on XX/XX/XXXX requesting that they validate the debt by providing the verification of debt, Proof of assignment, complete payment history, as well as Proof of License and Bond, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received any response from XXXX XXXX with regards to my direct request. Since i was unable to receive this information from XXXX, it was my hope that the Consumer Reporting Agencies would be able to provide the same to me since they have the information posted on my report and must only report verified and validated information per FCRA Section 611 and 15 USC 1681s-2. I have attached the Experian and the XXXX letter. The XXXX and XXXX letters stated the same.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
On XX/XX/2023, at TJMAX XXXX, MT XXXX, I purchased {$53.00}. Out of this amount, {$1.00} was paid through a gift certificate, and I paid {$5.00} in cash because I couldn't find the receipt. However, the transaction was attempted through a Mastercard, not a store-brand debit card, as it seems to be recorded. This mistake is negatively affecting my credit, and I need it to be corrected as soon as possible.

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 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am questioning my ARM adjustment index. 

I spoke to two different individuals from Chase today, including a supervisor and they were not able to explain or provide any resolution. 

I was not communicated with very much in advance of this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Filed a complaint about the inaccuracies of information on my consumer report, company did nothing and the report is still the same ; of which I never gave consent or authority for items to be placed on my consumer report in the first place. Previous complaint number # 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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please review the attached documents. I am urging the bureau to initiate an investigation into these accounts, as they are erroneously reporting me as late despite my punctuality.

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 2023-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to open an account with BMO Alto. I entered all of the data they requested, accurately. We never even got to the identity verification questions : once they had my SSN and my address and phone number, they sent me a verification code to my phone number, I entered it, we went on another couple of screens, and then they just told me that they were rejecting me, and that I would get an email with more information. 

They did send me an email. It had no more information. Just 'we are rejecting you ', no reason, no more information than that. 

I called their customer service line and they were unable to give me any more information, nor were they able to send me to a reconsideration line nor tell me any way in which I could find out what their reason was for rejecting me. I simply have been turned down for an account for an undisclosed reason. It could be because of some information they have about me which is incorrect, or because they don't like my name, or whatever. All I know is that they are denying me access to their product for an undisclosed reason which may or may not be illegally discriminatory or entirely incorrect. ( Since my credit score is generally between XXXX and XXXX, I always pay my bills on time, and I make well into the top 10 % of income in the US, I can't imagine that they have any GOOD reason for rejecting me. )

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 2023-12-15 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: CA

Complaint narrative:
In XXXX, I put in an application to consolidate my loan. The information said I could continue to make payments during the application process and the consolidated loans would be adjusted. During the application, I made 2 payments - 1 on XX/XX/XXXX for {$1800.00}, and 1 on XX/XX/XXXX for {$13.00}. Because of where the loans were in the process, the payments were not reflected in the consolidated loans and the payments were " applied '' to future payments but are not showing towards my loan balance. I have spoken to customer representatives several times and eventually was informed, they could not process those payments towards my current consolidated loans because they are not the same loans so I requested the money to be refunded. On the call on XX/XX/XXXX, they said they were processing the repayments and it would take up to 60 days to receive the funds. I never received email confirmation but trusted them. I called today to check on the status of the refund and was first told that they were no refund processing in the system and they would resubmit the refund. I asked to speak to a supervisor and was on a hold for over an hour ( after already being on the phone with the first customer service person for 1 hour 30 mins just to explain my situation ), eventually having to leave due to another appointment. I called back later today to have another customer representative tell me that the refund was refused because the loan was paid in full ( i.e. due to the consolidation process ). I am now waiting again to speak to a supervisor and have wasted at least 20 hours in total trying to get this almost {$2000.00} applied to my loans balance or returned to me with conflicting information from each customer representative and no communication of the status outside of me actively calling. I.e. no communication that the repayment was " denied ''. If this money is not returned or applied to my loan balances, this is theft and incredibly stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I contacted M & T Bank in XXXX and again earlier this week. In XXXX, I requested available options to lower my monthly payment to avoid delinquency. The representative I spoke with was so dry, unprofessional, and non-empathic that I disconnected the call. It was clear that she was not interested in helping me. In late XXXX, the company I had just began employment with in XXXX began layoffs. I have now been unemployed since XX/XX/XXXX and recently declared bankruptcy. I contacted M & T Bank this week after receipt of a letter offering options to modify my original note and reduce my monthly mortgage payment through on of their loss mitigation programs. Again, I got a representative that was not at all interested in helping me. I explained to him that I was unemployed and his only response is that he couldn't help me, no other alternative options were provided. Today I received a letter from them again. This time, the options are listed as : repayment plan, unemployment/special forbearance, loan modification, short sale, and deed in lieu of foreclosure. Why hasn't any of these options or alterntatives been offered to me by the two preceding representatives? It is customary in service to exhaust all options available to best help the consumer. M & T Bank has done nothing to try and help me. Considering I am now unemployed, the male representative I spoke with this week could have offered the unemployment/special forbearance. Additionally, they do not explain the options to you or take time to work with you on best fit. I want to keep my home, but a little assistance in trying to do so would be greatly appreciated.

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 2023-12-15 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: OH

Complaint narrative:
The Department of Education and XXXX has violated multiple USC 's and Privacy Acts : The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

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 2023-12-15 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: OH

Complaint narrative:
The Department of Education and XXXX has violated multiple USC 's and Privacy Acts : The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf. 
15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The Department of Education and XXXX has violated multiple USC 's and Privacy Acts : The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One has violated multiple USC 's : 15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

16 CFR 433.2- 433.3. Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Received an email from Capital One stating that they I have an offer to upgrade my current credit card, no fee, no new account, no hard credit pull. On the morning of XX/XX/XXXX  I responded to the link and logged in my current Capital One account, clicked the accept for the upgrade, next thing I received a credit alert, they actually pulled a hard copy of my credit report, I called XXXX ( service number ) agent apologized but said it was a new application. I stated exactly what the offer was, not a new account, keep the same everything except different card name and cashback percentage. She said her supervisor said they could only delete the application, I again stated I did not want a new card/account, that this was very deceptive and they are probably doing this to numerous individuals. I asked them to retract and issue an error message to the three credit bureaus, they said they would not be able to. I stated that I was going to file a complaint, and that is what I am doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a {$200.00} balance on an AmEx prepaid gift card that I am unable to use anywhere online - even though I have followed the instructions to only use sites that use the card number, expiration date and security code. 

I have tried XXXX, XXXX and XXXX. None will accept the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A pre-order ( group-buy ) purchase was made from XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$280.00}, and on XX/XX/XXXX in the amount of {$210.00}. The company became increasingly scarce in its response with its customers around XXXX, then filed for dissolution on XX/XX/XXXX with no notice. I tried to reach out to XXXX XXXX via several different platforms, but was met with no response. Ultimately the customers were left in the dark ; the above projects were never completed, and the products were never delivered. 

I attempted to contact my financial institution Chase Bank regarding a chargeback. Initially they granted temporary credit, but was promptly reversed inso stating the request had passed the 120 day period to request a chargeback. I tried to explain to them that due to the nature of the purchase, there was no possible way to request a chargeback within that time frame. XXXX XXXX operate on a XXXX XXXX XXXX, where money is paid up front which is then used to pay the manufacturer to create the final product. These projects normally take XXXX years for completion. These style purchases are normally conducted in good faith in relation to the hobbyist community, so instances like these are far and few in between. Moreover I had purchased from XXXX XXXX in the past, so I had very little reason to believe they would do this. 

Despite all this, Chase continued to maintain their 120 day policy -- repeated calls to different agents were met with immediate denial and refusal to take additional documentation. Furthermore, it makes little sense that Chase would even entertain issuing temporary credit if that were the case -- it was clear that the purchase was made over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
Venmo, i deposited. XXXX dollars i spend. XXXX at store they lock my card and said i can't get my money back for 180 days. i did nothing wrong. that is 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLIANT CREDIT UNION
State: NC

Complaint narrative:
In XXXX, a 1099-A was filed with I.R.S. for this particular account. It was never credited to the account. As a result they are reporting an inaccurate amount that is owed on the account. Also, they are reporting that this account has a 90 days past due, which is inaccurate as well. I have since settled the account with a money order and a certified tender of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall. free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: OH

Complaint narrative:
XXXX XXXX has violated multiple USC 's : 15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

16 CFR 433.2- 433.3. Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

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 2023-12-15 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: OH

Complaint narrative:
XXXX XXXX has violated multiple USC 's : 15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

16 CFR 433.2- 433.3. Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Company response to consumer: Closed with non-monetary relief