vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated : 1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), which outlines the permissible purposes for which consumer reports can be furnished, any violation of these provisions constitutes a breach of my rights.

3. My rights have also been infringed upon under 15 USC 1666b, which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is inaccurate and should be rectified accordingly.

ACCOUNTS THAT NEED UPDATED XXXX XXXX XXXX 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NJ

Complaint narrative:
I took out a private personal loan from American Education Services in XX/XX/XXXX when I was XXXX XXXX XXXX. The original loan amount was for {$13000.00}. I started making monthly payments when I graduated from college in XXXX. I have paid every month and on time for XXXX  years as I am now almost XXXX. 
According to AES and my online account, I have paid them : XXXX in principal and $ XXXX interest in the last XXXX  years, but they still say I owe them {$10000.00}. 

I have paid them triple the amount I actually borrowed. They continuously change my interest amount every three months, which increases my payment and then increases my loan payoff date, so I can never actually obtain a loan payoff. At one point, they said I would have it paid off in XXXX. Now it says XXXX. 
I have attached screenshots of my account which shows my account number, name, loan details, and what I have paid them to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I had purchased XXXX dollars on cash app for bitcoin and some way or the other this hacker I assume got on my account and took all of my bitcoin and then disappeared from my account and I was broke and cash app said they were not going to refund me my money and this was around the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: KY

Complaint narrative:
I have had multiple transactions on my debit card since I have been in the hospital that I didn't authorize. I called Upgrade bank who my debit card is through and they didn't help me. They told me to call XXXX, but XXXX tells me to call them. I have lost {$3500.00} due to unauthorized charges and Upgrade bank refuses to help. The next step would be for me to contact a lawyer..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NJ

Complaint narrative:
I am currently unable to work due to permanent XXXX in my back. I am currently receiving general assistance from the government. I will, unfortunately, never be able to provide a suitable income to pay this loan in full. This has become painful hardship on my normalcy of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I paid my balance off on from XXXX XXXX and was charged {$98.00} in interest that should be waived. I called and spoke to a supervisor on XX/XX/2024 and they stated that they could not waive any amount of the charge and refused to allow me to speak to anyone else about the charges. They said there was no one above them and that they were the only person I could talk to. I asked for them to send an email and for some one to contact me and they said there was no one they could send an email to and encouraged me to call back to verify that they were telling the truthHow could there not be another person to get help? 

Capital One, why do you make it so difficult to find a contact phone number on your own website? I searched and reviewed the contact us and help section and its as if you purposefully hide any information that would allow a customer to contact you by phone. 

I was not able to locate a contact number on your webpage for my Sparks business account. Please provide details on where this information is located on your website where a customer such as my self could easily locate it. 

Please waive the {$98.00} interest fee. It is costing more money to pay for the employees systems and usage than the {$98.00}. I have never had a fee waived that wasnt Capital One mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
on XX/XX/2024 i was scammed by a XXXX account promising a rental apartment in XXXX XXXX. They emailed a signed rental agreement and asked for a security deposit for one month 's rent. i XXXX  them {$1200.00} from my Bank of America account. they claimed that this payment froze their bank account and after several days of back and forth they confirmed receiving the money. 

now they are asking for first month of rent without willing to talk on phone or provide keys to the place.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I deposited my payroll check from my employer in the amount of {$1100.00}. XXXX into my Regions checking account. Regions has received direct deposits from this employer into this checking account before. Due to issues with my employers payroll system ADP I had to get a check. After depositing my check, Regions placed a hold on it till XXXX. That is beyond reasonable! in this day in age it should not be taking that long to verify a XXXX check! Especially when they have received direct deposits from this same employer before! It seems nobody is willing to put their thinking caps on these days and this causing me a hardship! These are wages that I worked for! Who is actually regulating this process?? There needs to be oversight on these hold times. People are living paycheck to paycheck and can not afford this type of mismanagement!

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 2024-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
The issue is that I can't access my account with multiple CDs and accounts totaling ~ {$45000.00}. On XX/XX/24 at XXXX XXXX  I tried to log into my Ally bank account to get my interest statement for filing taxes, and found it was locked and said to call Ally. At XXXX XXXX  I called Ally and they said there was a mysterious issue with my account and that they couldn't fix it. Later at XXXX XXXX  I called back to reach a different person, and they said that they couldn't fix it but that someone would call back the next day to follow up. No one called back. On XX/XX/24 at XXXX XXXX  I called to see what was going on and they apologized and said they were going to work on it. I waited an hour as they tried to fix the issue. Ultimately they ended up saying they were going to forward the issue to IT and IT would call, but I never heard back. On XX/XX/24 at XXXX XXXX  I called back and they finally opened a ticket with IT and gave me a ticket number and said I could call to check on the progress. On XX/XX/24 at XXXX XXXX  I followed up and asked for an update on the IT ticket. They said there were no updates, I asked when I could expect resolution, and they said there was no way to estimate the time of resolution. I am left wondering when I will have access to my account. They suggested I might be able to withdraw some money through my other bank but I couldn't get a clear description of the process. Or, that I could request a check but since the money is in different accounts and I can't see the balances this will be difficult.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Deposits of cash several months ago of over XXXX bank forced customers to provide ID and related information even when one has established relationship. Than a few weeks ago they said they changed this policy to XXXX and below. Than again now it has been changed to under XXXX and again it has been changed to under XXXX  and so forth. 

I understand they can do this to customers who don't bank with TD Bank but they are overreaching their authority when making these requests. And not all TD Banks do this. Each bank branch does it on its own and allows the employees to ask for ID and personal information. This is discriminatory practice.

Federal Law Requires banks to report any cash deposit over XXXX dollars. Or any suspicious transactions. For example I have alot of rentals and deal with cash rent and etc. This simple can not be a policy when one has established accounts with the bank. 

The Bank must have it as a uniform policy with all branches not a branch here and there and let employees make up their own policies. 

For Example, TD Bank Branch in XXXX NJ, same employee I deal with will ask for ID when it isn't necessary. Her name is XXXX. This is a discriminatory behavior and this was reported to the bank manager several months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Have been in constant communication to get personal information updated

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 2024-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been trying to work with Fifth Third Bank to try to resolve an issue regarding a mortgage agreement that was initially entered into with a co-borrower. The co-borrower has filed a XXXX XXXX Bankruptcy and was XXXX iXXXX XXXX and the bank is still informing me that the borrower is financially responsible for a loan that the borrower did not reaffirm within the XXXX XXXX  Bankruptcy. The co-borrower also Quit Claim his interest to the property and no longer is listed as an owner to the home that has the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting 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:
I am writing to dispute the following information on my credit profile and have the following account numbers here to be removed from my credit profile immediately. I am a victim of identity theft and did not open any of these accounts. I also haven't made any of these inquries below and would like all information below deleted XXXX credit management XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-05 00:00:00
Product: Credit reporting 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:
I am writing to dispute the following information on my credit profile and have the following account numbers here to be removed from my credit profile immediately. I am a victim of identity theft and did not open any of these accounts. I also haven't made any of these inquries below and would like all information below deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-05 00:00:00
Product: Credit reporting 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:
I am writing to dispute the following information on my credit profile and have the following account numbers here to be removed from my credit profile immediately. I am a victim of identity theft and did not open any of these accounts. I also haven't made any of these inquries below and would like all information below deleted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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