vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX CARD XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX  XX/XX/XXXX -XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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 2022-07-06 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX CARD XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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 2022-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
CITIZENS ACCESS CASE Number : XXXX I have lost access to my online bank account since the beginning of XX/XX/2022 when the company performed upgrades on their systems. As part of the upgrade, I was required to update my password. When I attempted to do so I got the following message from their system. 
" We have encountered an error- please try again after some time. We apologize for the inconvenience. '' I then called the customer service number on XX/XX/2022 and they were NOT able to access my account with my Name, Social Security Number and Date of Birth. They told me that for some an unknown reason the system did not recognize me. But not to worry had a backup way to verify my identity using public domain information. I got one of the question wrong and they told me that I had to wait 24 hours before they could try again. So I called the next day, had to explain the whole situation to another customer service rep and this time I got the questions right so they were able to access my account. I asked them to help me update the password and they said that they could NOT do it as it was beyond their capabilities and that someone that could help would call me back. I then asked for a direct contact number/email for the of the agent and they said that they were NOT allowed to do so and that I would have to call the customer service number and go thru the same process of answering the public domain questions as they could not associate my account using my my Name, Social Security Number and Date of Birth. 
I have a significant amount of money in their account and I am not getting any responses from the ONLINE bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX  XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XX/XX/XXXX NO RESPOINSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXXXX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN COTNACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX  XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXXXXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX  NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX, XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO XXXX XXXX CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX NO RESPINSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX  XXXX XXXX, XXXX NO RESPONSE WHEN CONCTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX. XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been paying on a charged off mortgage debt for several years now with Bank of America Recovery Division. My complaint is that I never receive a statement of my payments and my balance at all - never in all of the years that I have paid them have they sent me a statement. After sending BOA XXXX per week through my bank 's bill pay service, when I called to check my balance with BOA ( XXXX ), they can't account for around XXXX in payments that were transferred by my bank and cleared for payment. When I called my bank, XXXX XXXX XXXX XXXX, I was told that the payments had cleared and the checks had been cashed by BOA, yet when I call BOA to ask about payments that had been made and cleared by my bank, they can't give me any information as to what happened to these payments. 
They can't give me a check number for the payments ( these payments are sent by my bank, XXXX XXXX XXXX XXXX via check/draft ) or really any information, except that they weren't applied to my account. 
It seems unlawful to me that I have to pay on a debt for several years and not receive any type of accounting, statement, or a formal accounting of my money. 
Can you 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 explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Dear Sir, I had place a online bank to bank transfer for {$10000.00} from my Huntington bank account to XXXXXXXX XXXX account. I received an email from Huntington bank stating the online transfer was cancelled and the funds would be returned back to my account. 

Its been more than one and a half month and I have not received {$10000.00}. 

Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 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: GA

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

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 2022-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: NJ

Complaint narrative:
Self.inc is a scam when its time to pay you your payout they start to give you a hard time to receive all the money youve been paying them thinking your saving your money and building your credit but no there just stealing your money and reporting your own time payments. I have had this account for over a year my payout was almost done but things took. A a scary turn when I decided to close my account early and receive my payout. Everything went smooth with closing the account and was told I would receive a payout in 14-15 days. As time went on I was supposed to receive a payout instead I got an email to verify my personal information that they had on file since I opened the account. They tried to use this as a reason to deny me my payout. Instead of them just returning the money to the same account I made the payments from they decided to try and find away to not issue my payment. I talked with the company and they pretty much said they have no time frame now for me to receive my money. Which is mine blowing because I never had a problem paying them my money and they was taking it but now I want it back and it seems impossible. They even closed the account out already which is making a negative report on my credit report but that sucks because now they messed up my credit and wont give me my money back that they promise to you in the beginning of the loan and secured card account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a mortgage with Fifth third Bank and qualified for a FHA loan XX/XX/2022. The loan went to underwriting on XX/XX/2022 from there on challenged what my last name was even after I presented everything thing they request ; driver license, social security card, tax returns, paternity letter, birth certificate, check stubs. This went on for three months when my closing date was set for the end of XX/XX/2022. Even after my identity was cleared up FHA continued to ask for letters to explain who my wife is and if we were married, inquires on my credit report, my past residence, among other letters that I provided to them repeatedly up until the seller cancelled our contract on XX/XX/2022. I feel discriminated against because even though it all each time I tried to contact fifth third bank via phone I could never get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: OH

Complaint narrative:
I have been working with Aimloan.com for ~2 years. I have reached out to them 7 documented times in the last 3 months in an effort to remove my PMI. I continue to get the run around. They ask me to fill out paperwork, which I do, but will not process my request to get a formal appraisal completed. They then told me to send them an email and told me what to put in said email. I do that and their reply in the email is to call the XXXX number that I've already called 7 times!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: LA

Complaint narrative:
I submitted documents for PSLF application on XX/XX/XXXX. I have waited patiently, called multiple times- XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 with no progress. I have met all of the requirements for the Pslf program and just can not get Fedloan to respond appropriately or tell me what they need in order to process my application. I have waited XXXX months when many others have waited much less.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Moria Development, Inc.
State: NJ

Complaint narrative:
I was looking into possibly buying a home and inquired with " The XXXX XXXX XXXX '' who then passed my information on to Peoples Mortgage. I wanted to have a conversation about the home buying process and get some questions answered. A XXXX XXXX of Peoples Mortgage contacted me and asked some short questions then told me he would put me in touch with his associate XXXX XXXX who would further answer my questions but to fill out the online application before my conversation. The form has you fill out all this information then goes on to mention after submitting all personal docs and income that moving forward gives permission to run credit. I thought, " well how/why would they run my credit before speaking to me. I send an email to both XXXX and XXXX that I do not want my credit run because I don't even know anything about you company nor the process, and I still have questions. XXXX replied to my email, " certainly. '' On XX/XX/2022, I had a conversation with XXXX and quickly determined that he was only interested in pressing me to move. I verbally mentioned to him again that I do not want them to run my credit because I was merely making an inquiry, gathering information about the home buying process to determine what my next steps were. He again agreed, then dismissively went on to ask me what my apprehensions were about buying a home. I explained I am researching the process and further into the conversation realized that I did not want to work with him and politely wrapped up the conversation with, I am not ready and still have some work to do. XXXX replied, " ok when you are ready, just give us a call and we can get going. '' On XX/XX/2022, I received an alert from my credit monitoring app which informed me that there was a hard inquiry. When I logged in, I saw that there was an unauthorized credit check for a mortgage through XXXX XXXX, and XXXX. I am disturbed by this and tried to call XXXX and he did not take nor return my call. I sent an email and he casually apologized then posted my credit score in the email and stated that " I was all good '' and " how would I like to proceed? '' This was underhanded dishonest of XXXX! Peoples Mortgage and XXXX XXXX are now known to me as company and mortgage lender that should not be trusted. I will never do business with them and I will warn others.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Auto is showing a charge off dated for XX/XX/XXXX. In XXXX of XXXX, Chase Auto repo 'd my car. The date of last activity by me is XX/XX/XXXX. I have called and spoken with Chase Auto to request a payment history from the beginning of the loan. They stated they couldn't look beyond XX/XX/XXXX which shows a payment of XXXX. I did not send in that payment. My grandmother purchased another car for me the day after they came and got the other one. I submitted documentation and to XXXX on yesterday and called them today at XXXX. I spoke with XXXX to explain the situation about Chase exceeding the reporting limitations. I was told they started over from XX/XX/XXXX instead of XXXX. I asked him if he would pull up the documentations that clearly shows the charge off was not originally started in XXXX. I was then told by XXXX that he would not look at any documentations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Our computers were compromised on XX/XX/XXXX. Someone accessed our checking account and made an unauthorized fund transfer of {$1000.00} through XXXX. We do bill pay but do not use XXXX. Reported the fraudulent transaction to Wells Fargo security the night of XX/XX/XXXX. We have been in touch with them and have a case number. We received a letter from Wells Fargo stating that they have concluded their investigation and closed the claim. They claim that the transaction was made through a secure online banking session by us or someone who had our authority and that no other processing errors occurred. The account number quoted by the bank is a non-existing account and is not an account number that matches any of our accounts, past or present. We have a reference number for the transaction and the name of the person receiving the funds. They are unknown to us. The account in question was closed and the funds transferred to a new account on XX/XX/XXXX. In light of these actions, the funds should have never been transferred to the person who received them.

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 2022-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX 3 missed payments ) XXXX XXXX XXXX  Bank ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX  XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry 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. 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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