vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
I had Federal Direct student loans with XXXX XXXX  XXXX. I have qualified for PSLF for 19 years. XXXX misled me on deference/forbearance/consolidation and lost many months I should have been eligible for qualifying payments. I have not heard from XXXX or XXXX XXXX about this legal situation. I now have all my Federal student loans with XXXX and updated my qualifying PSLF requirements. However, I believe that my student loan balance should be forgiven based on the new information discovered about XXXX business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 my son and I visited our local XXXX XXXX CA branch to open a new checking account for him before he leaves for college. We chose Chase because my son and I have had a Uniform Gift to Minor savings account with {$50000.00} in it for several years at this branch. Also I have have a Chase credit credit that I have used for several years, and a recently paid off mortgage.

We opened his new checking account which went fine. After some discussion with the Relationship Banker it was decided that since my son is now XXXX XXXX XXXX the XXXX savings should be closed. We took his advice and closed it, transferring the {$50000.00} balance to a new joint savings account. That went fine as well. 

We then went to the teller to redeem about {$250.00} in XXXX XXXX XXXX XXXX ( college funds for my son ). The teller had us endorse the bonds, then she ran them through her scanner which stamped the back of the bonds. 

At the very end of the processing she asked us for our savings account number. We provided her our new account number. She then indicated the savings account had not been opened for a year so she was not allowed to redeem the bonds. 

I explained that we just closed our UTMA joint savings account that has been opened for several years with Chase and she could refer to that account number to establish we had been banking there for more than a year. She still refused to redeem the bonds telling us her computer is saying no, she has to use the new account as the reference. 

The gentleman that closed the XXXX account and opened the new one then updated the computer to reopen the XXXX account, and sent us back to the teller to finish redeeming the bonds. The teller still refused to redeem them because the computer wont let them. 

Making matters worse is the bonds have Chase 's endorsement on the back and then another stamp cancelling that endorsement. Explaining all this to the federal reserve which is where the branch told me to redeem them will be impossible.

We want to redeem these bonds, worth about {$250.00}, at the local Chase branch based on the {$50000.00} we have had their for several years ( and an active credit card and a recently paid of mortgage ) Can you let me know if this is unreasonable?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX had reported a payment late on my credit report for the month of XX/XX/2022. I set up two payments to be taken out of my account on XX/XX/XXXX and also XX/XX/2022. For some reason the company has failed to withdraw the funds from my account even though I had enough money in my account to cover the payments. I sent in proof from my bank on XX/XX/2022 which stated that XXXX XXXX XXXX XXXX failed to withdraw the funds from my account. I also sent in proof of my statement for the month of XXXX which shows that there was enough money in my account to pay for these payments. The credit card company XXXX XXXX XXXX XXXX still failed to update my credit report my payments should have went through but XXXX XXXX XXXX failed to take the funds even though they were in the account. My payments should have been paid since I had money in my account. They should not be reported late because the company failed to withdraw the funds that were there.

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX had reported a payment late on my credit report for the month of XX/XX/2022. I set up two payments to be taken out of my account on XX/XX/XXXX and also XX/XX/2022. For some reason the company has failed to withdraw the funds from my account even though I had enough money in my account to cover the payments. I sent in proof from my bank on XX/XX/2022 which stated that XXXX XXXX XXXX XXXX failed to withdraw the funds from my account. I also sent in proof of my statement for the month of XXXX which shows that there was enough money in my account to pay for these payments. The credit card company XXXX XXXX XXXX XXXX still failed to update my credit report my payments should have went through but XXXX XXXX XXXX failed to take the funds even though they were in the account. My payments should have been paid since I had money in my account. They should not be reported late because the company failed to withdraw the funds that were there.

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 2022-05-26 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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: FL

Complaint narrative:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-05-26 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:
Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items im getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and ftc report EXPERIAN WILL BE SUED and lawyer will be contacting experian if these items are not removed in the next two weeks!!!!! 

1. Account number : XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

2. Account number : XXXX Please Investigate and delete from my credit report 3XXXX XXXX XXXX  Account 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 2022-05-26 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:
FCRA violations : accounts not mine XXXXXXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settl XXXX XXXX XXXX 
Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$24000.00} written off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Resident type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, NJ 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 non-monetary relief
Consumer complaint received 2022-05-26 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:
FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settl XXXX XXXX XXXX 
Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$24000.00} written off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX  XXXX, NJ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiry to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiry removed or have anyone from Experian contact me about the status of my concern. Here are the incorrect information and inquiry that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/2022 XXXX XX/XX/2022

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 2022-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loan servicer : XXXX I submitted a complete loss mitigation application on XX/XX/22 My application was assigned to a single point of contact ( XXXX XXXX ) and, per the attached letter, I was told I would be contacted within 5 business days to discuss the status. I never received ANY follow-ups regarding my application. 

My online account does not contain any information about the application decision. 

On XX/XX/22 I called XXXX  to inquire about the status, unsuccessfully attempted to reach my XXXX, and was put on hold for over 30 minutes. 

When another customer service rep finally answered, she reviewed my account and told me the application had been denied. However, she could not tell me why I was denied nor whether I could appeal the decision as none of those documents had been uploaded into the system of record. 

Notwithstanding XXXX XXXX and XXXX XXXX XXXX violations, on its face it appears that the company would prefer that the account go into default rather than working with me on a resolution.

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 2022-05-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights. 15. U.S.C. 1681 Section 602 A states that I have the right to privacy. 15. U.S.C 1681 Section 604 A section 2- Consumer Report Agency can not furnish an account without my written instructions. I have sent several request to remove inaccurate information and these account. Letters and documentation such as FTC was sent on XXXX, XXXX, XXXX, XXXX, XXXX,. Accounts below : 1. XXXX XXXX - Account # XXXX, and Account # XXXX 2. XXXX XXXX XXXX ( original creditor : XXXX ) - Account # XXXX 3. XXXX XXXX - Account # XXXX 4. XXXX - Account # XXXX 5. XXXX XXXX XXXX - Account # XXXX 6. XXXX XXXX  - Account # XXXX 7. XXXX XXXX  XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX 9. XXXX  XXXX XXXX - Account # XXXX, Account # 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 non-monetary relief
Consumer complaint received 2022-05-26 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: MI

Complaint narrative:
I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiries removed or have anyone from TransUnion contact me about the status of my concern. Here are the incorrect information and inquiries that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX  Date Updated : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
We can not access any of our account information with VyStar Credit Union for over two weeks now. Bill pay that we are signed up with is not processing any payments. Some of our deposits are not being credited to our account. I requested a print out of transactions via email because the hold time has been 2+ hours and they sent me someone elses account information including account number and everything. This makes us all very worried about the security of our accounts. XXXX XXXX sits on both VyStar and the XXXX board which is the vendor VyStar invested XXXX XXXX into for this new online banking debacle. That has to be a clear violation and conflict of interest. This is a mess and I can not operate my business without online access to my money!

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 2022-05-26 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: FL

Complaint narrative:
I initiated a request to purchase a XXXX watch on " XXXX XXXX XXXX XXXX on XXXX, XXXX 2022. 
I paid " {$5300.00} '' as down payment and applied for a load with amount of " {$5000.00} '' on their website. ( The total amount of watch was {$10000.00} ) I was in contact with the Sales person and she has been waiting for me until the next day morning to have the loan approved. 
My load got rejected and I let the merchant know and they cancelled my order. 
When I asked them to return the down payment, they denied to do it immediately and let me know that according to their policy, they will have to charge me 20 % for restocking fee as they have already started my purchase! 
I never received any invoice and Sales person clearly told me that is waiting for me to provide the rest of the fund ( XXXX ). 

In any case, cancellation was not on my side and my loan fell through. 
I disputed a charge with my Bank ( J.P.Morgan Chase ) as the transaction was on Chase XXXX  XXXX XXXX. 

Unfortunately they could not get my money back and now saying the dispute time has passed and they are not able to help me anymore. 
I asked Merchant again, they are not returning my down payment fully. 

Please help as myself and my wife must work hard to save that much in a year. 

I can provide any evidence upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In XX/XX/2022 I sent a letter to the credit bureau regarding XXXX XXXX  accounts showing on my credit report. I asked the credit bureau Validate the debt, A Breakdown of fees including any collection costs and medical ALL XXXX  charges how they were derived or came about so I know it was billed correctly under the guidelines of the XXXX and XXXX. 
I also requested to receive the HIPAA authorization signed by myself and to be provided with a copy of my signature with the provider of service to release my medical information to you. 

I asked for this information because the creditor could not verify or send me any info on the accounts. 

It is now XX/XX/2022 and i still have not received any correspondence pertaining to this dispute and the unverifiable accounts are still showing on my credit reports.

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 2022-05-26 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: Capital For Change, Inc.
State: CT

Complaint narrative:
Capital For Change ( XXXX XXXX, previously CHIF ) has been reporting to XXXX that I am financially responsible for a property that I have not owned since XXXX. After many years of calling, emailing, writing and filing disputes with them as well as XXXX the property is still listed on my credit report. This has negatively impacted my credit score by more than 100 points as my ex partner, XXXX XXXX XXXX missed XXXX payments back in XXXX. Although he owns the property to this day, XXXX has never reported any late payments by him to the credit bureaus or that he even owns the property. 

At XXXX AM XX/XX/XXXX, I spoke with XXXX representative XXXX XXXX regarding the matter. Again, I have spoken to many people from this organization over the years to have this matter resolved. XXXX has confirmed that although XXXX received all pages of the Quitclaim Deed paperwork back in XXXX relinquishing any and all ownership that they as a company decided that I should still be held financially responsible when he made late payments a year later. Let it be also known that in the 9 years when I did own it, I never made ONE late payment. According to XXXX, this decision was made by supervisor XXXX XXXX, and XXXX XXXX XXXX. She also confirmed the receipt of the XXXX dispute and that they as a company were upholding their decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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