vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX of XXXX i have reached out to XXXX XXXX XXXX XXXX  about the late payments on my credit report. I also disputed it with all 3 credit bureau and XXXX XXXX still has not change my credit report. My credit report is showing inaccurate information.XXXX  XXXX my credit report state 30 days late i paid my mortgage on XX/XX/XXXX and XX/XX/XXXX report stated 30 days late again my payment was paid XX/XX/XXXX. I have provided proof of payment from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: PA

Complaint narrative:
XXXX of XXXX i have reached out to XXXX XXXX XXXX XXXX  about the late payments on my credit report. I also disputed it with all 3 credit bureau and XXXX XXXX still has not change my credit report. My credit report is showing inaccurate information.XXXX  XXXX my credit report state 30 days late i paid my mortgage on XX/XX/XXXX and XX/XX/XXXX report stated 30 days late again my payment was paid XX/XX/XXXX. I have provided proof of payment from 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 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase Credit Card had a Due Date of XX/XX/XXXX. 
Chase received/processed my payment XXXX prior, on XX/XX/XXXX. 
Chase held that payment ( or lost it ) until XX/XX/XXXX. 
Chase charged me a Late-Fee/ {$29.00}. 
Chase found that payment, and apologized for the mishandling. 
My next billing requested a double-payment and the Late-Fee/ {$29.00}. 
I immediately complained, challenged that charge. 
Chase reversed the Late-Fee/ {$29.00}, but not the double-payment. 
( I proactively made a {$3.00} overpayment, without the Late-Fee/ {$29.00}. ) BUT, Chase has reconstituted that Late-Fee/ {$29.00} every month, only to reverse that Late-Fee/ {$29.00} the following month! 
Chase is holding my account without privileges until I pay the Late-Fee/ {$29.00} that I DO NOT OWE. 
So, please watch for this exploitation similar to the Industry Late Fee scheme that they had to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/22 XXXX contacted all XXXX credit bureaus XXXX, XXXX, & Equifax, to verify the first date of delinquency on the account I disputed with XXXX XXXX XXXX. XXXX funding responded to CPFB XX/XX/22 complaint # XXXX that the first date of delinquency was XX/XX/22. However, Equifax reported on my credit file the first date of delinquency is XX/XX/22?? I am fully aware they may be several opening dates due to different collection agencies buying accounts. However, there should NEVER be a reporting of different first date of delinquencies, which clearly states the information reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NV

Complaint narrative:
Im not able to reach the Mohela regarding the Public Service Loan Forgiveness program. Im only getting a busy signal or message saying the call can not be taken due to high call volume. The online PSLF form status does not show a record of my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Attn : Office of the CEO - Wells Fargo I've always paid off my balances in full with Wells Fargo. I hardly carried any balances on my card or any other credit cards. I received offers for a 2.9 % balance transfer rate through Wells Fargo bank with the the payment of a transaction fee. Given the promotion and understanding that a low interest rate ( 2.9 % ) payable over months was a viable option when I became the victim of credit fraud ( XXXX XXXX Sheriff Department Case # XXXX ), I took the offer, thereby utilizing my credit lines with Wells Fargo XXXX and for which they charged a fee. It was then surprising to notice today that my credit line was being reduced to what the borrowed amount was. By doing so, my credit utilization has significantly dropped, despite me paying more than the minimum each month and well ahead of my XX/XX/XXXX date to payoff. This will indicate that I have a high utilization and a credit risk, whilst Wells Fargo forces me to pay off the balance to lower my utilization. Having paid the transaction fee, I purposefully didn't see an incentive to pay off the balance each month since the offer extended through XX/XX/XXXX. I am requesting Wells Fargo to reinstate my credit lines to the levels they were at since this reduction will cause lenders to think I am credit risk, for which I am not. Alternatively, they misrepresented their advertising. if they are unwilling to re-instate, then they should credit back the cash advance fees and I will pay off the balances in full. They can not have their cake and eat it, as their promotions is the reason I took the advance, understanding the time value of money. This should be done immediately and my credit report updated accordingly.

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 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We were scammed By selling our baby crib & they used XXXX & we received an email we had to send money to them to verify acct & XXXX would sent it back & they could pay us then. It was a scam & we lost {$500.00}. This happened on XX/XX/2022. 

Im trying to work with my bank but we cant be guaranteed that they will refund the 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 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To This is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX, XXXX., XXXX XXXX XXXX 
 3., XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2022 I mailed my monthly mortgage payment to XXXX XXXX  in the amount of {$7500.00}. The check had not gotten their by the XXXX which is the grace period for my mortgage. I worked with my mortgage companies manager in some department to submit a lost request and was told they would look for the check. 
On the morning of Saturday the XXXX I noticed that yesterday on the XXXX my mortgage check was cashed. Now normally when my mortgage company cashes my check it shows as CHECK # ( Insert Applicable Check Number Here ) MORTGAGE SVC CTR CHECKPYMT ARC ID : XXXX and I am not able to see the image of this check. Now this check that was cashed on the XXXX appeared as just CHECK # XXXX and it allowed me to look at the image. I found this weird so I clicked on the image and upon viewing it saw the check was made out to " XXXX XXXX '' now when I wrote this check it said XXXX XXXX  on it not " XXXX XXXX '' I did however notice that my signature, date was the same. However the only other thing other than the name that was different was the memo. Normally I write my account number in the memo however this memo said " Maintaince '' spelled incorrectly I assume trying to look like Maintenance. I immediately called Chase and they opened an investigation. I was told that I had to wait for a declaration to be mailed to me in order for them to start processing the investigation. The declaration took a little over a week to come all that time I was still out nearly {$8000.00}. I ended up having to drain my emergency fund to pay the mortgage and that now means that if something happens to me that it would be disastrous as I have many bills. Chase then informed me after sending in the declaration that this take anywhere from 60-90 days. I was told on the phone by chase to take cash advances on credit cards or find other means to get money. This is absolutely a ridiculous thing to say to a long time customer and is extremely unprofessional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
Experian has continue to state XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX has reported bankruptcy on my credit file. 
XXXX XXXX has advised they are not responsible for the use or misuse of any information gathered by third parties and do not report information to any one. Experian has contiued to lie about this information

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 2022-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: MS

Complaint narrative:
I applied for a loan online on about XX/XX/28. I received a phone call the man said he was with lending tree and my loan had been approved. He had my information and wanted to verify it. Then he said the loan manager would call within 30 mins to let me know when the funds would be transferred to my bank account. I never got a call. I called back the next day and I ask this same man I talked to if they deposited to XXXX XXXX. He put me on hold said to check he came back and said yes dont worry about it they deposited to my bank. He kept saying don't worry about it. He transferred me to another man the loan manager who said it would be transferred and they did work with my XXXX XXXX and the 1st man would call me to let me know when to expect it. He sent a code to my email he said to verify it and I had to give him the code I got. Never got a call telling me when to expect funding. I called him back and had to leave message. The voice mail was generic and didn't say lending tree so I begin to worry because they have all my info. Name address social email bank account. I didn't get a call back. On XXXX I called back and was told they don't do business with my bank and they would not mail a check. If I needed funds I must go open an account at a different bank. These people lied to me and have all my info. They said they could not tell me why they don't do business with my bank and refused to mail a valid check for XXXX as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
A block needs to pe placed on my credit report. attached file is report filed. I've sent the Three Consumer Reporting anciencies my proof of Identity Certified by mail 6 times already. yet information is still being fraudulently being reported on my account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
A block needs to pe placed on my credit report. attached file is report filed. I've sent the Three Consumer Reporting anciencies my proof of Identity Certified by mail 6 times already. yet information is still being fraudulently being reported on my account without my written consent.

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 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This complaint is an addendum to the complaint of XX/XX/22. 

Comenity Bank continues to fail to address my complaints. 

They have not reported by credit information to the credit bureaus for more than 45 days. 

Their rewards program continues to stay broken. Update : they have reduced my outstanding rewards by half. I continue to be unable to redeem any rewards. 

This bank is operating like a shoddy organization now going on 5 months. I don't understand how they can fail to address issues for actual MONTHS and get away with it. This bank is a failed bank. 

As of today I can not log in and I can not recover my login and create a new password. I am locked out of their website. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: TX

Complaint narrative:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, EQUIFAX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE.

ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES.

UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION.

ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. 
XXXX, EQUIFAX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, EQUIFAX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND EXPERIAN. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE.

ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES.

UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION.

ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. 
XXXX, XXXX, EXPERIAN, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : 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 FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, EXPERIAN, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.

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 2022-10-03 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has 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 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 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 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 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