vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
TransUnion is reporting 3 Dept of Ed XXXX accounts inaccurately. 
The accounts are all paid and closed. The items they are reporting inaccurately are The payment status : they are reporting " late 120 days '' this needs to report the CURRENT status as paid as agreed. 
The two year history is outdated, they are reporting over 4 years old. This needs to be removed. 

Ive included the copy of my credit report for all three accounts with the areas highlighted that are inaccurate,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Comerica
State: TX

Complaint narrative:
Bank closed my account in 2020 and continually sends emails saying " Your Comerica Web Banking account for User ID XXXX has been disabled. Please visit https : //www.comerica.comXXXX to reactivate your account or contact us at XXXX for assistance. '' I have called multiple times asking them to fix this IT bug and nobody has fixed it. The company is harrassing me and I do not even have an account with them for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is not a 3rd party! Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. Please review attachments!

In fact, this account Date of Activity is different on all 3 consumer reporting agencies. So, not only is this account a violation but its also inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: NY

Complaint narrative:
This is not a 3rd party! Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. Please review attachments!

In fact, this account Date of Activity is different on all 3 consumer reporting agencies. So, not only is this account a violation but its also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I purchased roofing material on my chase credit card and the material was delivered damaged. I filled a dispute with the chase and they sided with the merchant. When reviewing the explanation the merchant lied about the events of what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: FL

Complaint narrative:
I applied for the PSLF program and was only credited for payments made since XXXX, even though I have been paying it since XXXX. They will not respond to my queries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
The company holding my mortgage is Select Portfolio Servicing , inc . 

My mortgage payment amount will be increased in XXXX due to increases in property taxes and homeowner insurance. Hence, there will be a future shortage in my Escrow account for XXXX. 

I want to make the additional payment for the shortage for the upcoming year, but the company refused to give me that option. They are going to increase my Escrow payment instead of giving me an option to pay for the difference. 

I tried to call them, but they kept telling me no and that I could not pay for the difference. Other mortgage companies always give me the option to either pay or add to my mortgage, but this is the first company that never gives me the option. I want to keep my mortgage the same by paying the difference instead of adding on the mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: TX

Complaint narrative:
On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidences as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on 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 explanation
Consumer complaint received 2022-09-12 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: TX

Complaint narrative:
On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidences as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on 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 explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I am using a debt collector to help me get back on my feet. I have gotten numerous letters and non stop phone calls from JP Morgan Chase and now they are sending and calling me for the money which I have told them in the past I am consolidating my cards to help myself and they are giving me bad XXXX XXXX and XXXX XXXX. Pkease contact XXXX XXXX XXXX  this is the company helping me out. PLEASE HELP ME STOP THESE PHONE CALLS AND LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XXXX XXXX I was incorrectly charged {$69.00} via PayPal Credit/Synchrony Bank for a charge that I did not authorize. I filed a complaint and eventually the charge was reversed and was told all was settled. Just in case the charges continued in XXXX when I was discussing this with Synchrony I put a hold on my PayPal account as I have had issues with unaware charges happening with PayPal. Even though the issue was supposedly resolved I continue to this day ( XX/XX/2022 ) get Robo credit collection calls from them and now I will not longer answer them. On XX/XX/2022 I had a discussion wit the resolution department of Synchrony Bank and the woman told me I owed nothing regarding this charge and that any calls regarding it were scam calls as my balance was XXXX. So, I sent PayPal credit a letter dated XX/XX/2022 which I sent in with the PayPal bill ( now up to {$180.00} due to fees and charges ) and told them to print out the conversation that I had with their resolution department. I want to see that conversation that specifically said the issue was resolved and I owe nothing. At least 2-3 calls, texts, occur DAILY and I owe them XXXX XXXX How do I stop this harassment?

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent my second letter to Experian, XXXX, and XXXX giving them an opportunity to rectify the situation and they have not. They are reporting inaccurate information and they're reporting a bankruptcy that I have disputed and asked for them to remove. 

I have asked them to remove names, addresses, and employers that I am not associated with. I also told them to remove my social security number ( last four digits ) my birth date/ year.

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Certegy Holdings, LLC
State: KY

Complaint narrative:
Please see CFPB complaint XXXX which was closed after Certegy represented that it would provide me with the requested information. It did not. Again, this dispute began when I tried to make a purchase from the XXXX calogue. After Certegy rejected my check I attempted to obtain an explanation for its actions by calling their phone line. I thereafter contacted the website. Finally, I contacted Certegy in writing. On each occasion Certegy refused to provide me with an explanation for its adverse action unless I disclosed my Social Security Number and Driver 's License Number, neither of which were available to Certegy at the time it rejected my check. Certegy continued to demand the unrelated PII in response to my complaint with the XXXX XXXX XXXX. Finally, after my CFPB complaint pointed out that it appears that Certegy is randomly rejecting checks in order to collect a PII data base, Certegy purportedly agreed to provide me with an explanation as to why it rejected my check. However, Certegy 's explanation is meaningless, advising me that the rejection of the check and interference with my financial transaction with XXXX could have been based on " the check number, dollar amount, check-writing history or other transaction details. '' Such a response, along with Certegy 's assurances to CFPB that it would provide me with an explanation as to why my check was rejected makes a mockery of the Complaint process. If it is not within the CFPB 's jurisdiction to investigate Certegy 's misconduct, I would be grateful for a referral to the appropriate agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: CA

Complaint narrative:
I have called and sent in letters to all 3 credit bureaus XXXX, Equifax and XXXX XX/XX/XXXX and XXXX 2022 by phone, I also sent in dispute letters on XX/XX/XXXX, asking that all incorrect names, addresses, phone numbers, spouse and employers be removed. I have also asked for them to verify accounts that are on my credit report because they aren't my accounts as I have been a victim of identity theft twice. The credit bureaus have failed to do so, and it has hurt me in getting approved for housing and other credit due to inaccurate information being reported. 
They have failed to verify accounts and remove all incorrect information. I have also asked that any correspondence be sent by mail and they have ignored that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: CA

Complaint narrative:
I have called and sent in letters to all 3 credit bureaus Experian, XXXX and XXXX XX/XX/XXXX and XXXX 2022 by phone, I also sent in dispute letters on XX/XX/XXXX, asking that all incorrect names, addresses, phone numbers, spouse and employers be removed. I have also asked for them to verify accounts that are on my credit report because they aren't my accounts as I have been a victim of identity theft twice. The credit bureaus have failed to do so, and it has hurt me in getting approved for housing and other credit due to inaccurate information being reported. 
They have failed to verify accounts and remove all incorrect information. I have also asked that any correspondence be sent by mail and they have ignored that 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 2022-09-12 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: CA

Complaint narrative:
Experian has been by far the worst to work with of all the credit bureaus. I had potential fraud on my account and was able to start a credit freeze with all three bureaus. About 3 months later, I requested the fraud alerts be removed and XXXX and XXXX each took about 5 minutes to complete that task but I have had to call Experian about 15-20 times and their automated system will not let you get to a person account representative. When I reach a business account representative, they advise they cant help. On one call about 2 months back I asked to escalate my issue to a personal account representative or supervisor and was told " no one was available and I would get a call back '' I requested to wait and they repeated " no one was available '' at that point I insisted I wait because I wasn't confident I would get a call back and the business representative hung up on me. I also never received a call back from that supervisor. I tried going through the automated system system and it says I do not have a hold on my account but multiple outside parties trying to pull my credit advise differently. I tried to go to the website and I get an error message directing me to call. When I call that number, its the same automated system where you can not get to a representative. Im just trying to unfreeze my credit!! please help. 

**Note- this was previously submitted and I was just directed back to the website that didnt work and to call the number where its only automated. This is the root of the issue. I need someone to look at this as there is a system error on the experian side that the website and phone are reporting different information. 

**3rd request. Again they still have not unfrozen my account. The automated system is not correct and is stating its not frozen but anyone trying to pull my credit is advising differently.

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 2022-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
I never had a XXXX credit card before and I noticed that this collection agency put this in my credit file. Please investigate this matter and I would like to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WV

Complaint narrative:
Hello, On Thursday, XX/XX/XXXX, I contacted FedLoan Servicing after receiving the news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. Throughout the pandemic I paid almost $ XXXX in payments. It seems as though FedLoan Servicing is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those I know with those loan providers are already seeing their loans reflected on their account. What's worrying to me is that they application for forgiveness. They stated that our loan balances won't be processing any of these in time for us to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which won't be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed send in my request. I realize with the influx of calls that getting our money back could take a while, but it's very concerning to me that they're saying this entire process can take longer than 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently getting that money back would be life changing for me as well as many others. So, seeing other people 's loan providers reinstating their balance after requesting it in just 36-72 hours later makes me very concerned that this company does not have our best interests at heart. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation