vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: 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 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 2024-03-01 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 have found inaccurate information on my credit report. I disputed these multiple times.

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 2024-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I keep making payments through Synchrony Bank 's payment website, and even though I've used the same account for years and paid from it to my Synchrony Bank balances, they keep claiming it gets sent back as invalid. My Credit Union stated that Synchrony never made any attempts to request payment. This has happened on the XXXX  of every month for the last six months, as well as several other days, notably the XXXX of 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 2024-03-01 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: FL

Complaint narrative:
XXXX XXXX : XXXX It has come to my attention that negative items are being reported on my credit to Experian, XXXX, XXXX, and XXXX XXXX without my consent. Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.

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 2024-03-01 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
The info that was sent to me by the company I had it already. I ask them to help me from XX/XX/XXXX to XX/XX/XXXX. My solar panels stop working the end of XXXX of XXXX and I been talking to the loan manager about my investment that's under warranty. Brio had installed solar panels on my home in XX/XX/XXXX. They stop working in XX/XX/XXXX. I been struggling with high power bills this XXXX, XXXX and XXXX, XX/XX/XXXX. These months my bill is higher than my solar panels, cause my home has baseboard heaters. I stop making my payments in XXXX, XXXX in XXXX. I started back making my payments in XX/XX/XXXX and XXXX. I had to pay another company over {$400.00} dollars to come out and help me find out my problem. That was back in XX/XX/XXXX. I sent an email of all my transactions like emails and every thing to XXXX so that can put it in my file. I also dispute my investment so I can get my product that I am investing to them also. I been in touch with a lawyer that I can't afford. The North Carolina XXXX referral me. He's to expensive for all the bill and foster kid that I get in from time to time. I haven't heard back from the company yet. XXXX should pay me back for the months my solar panels haven't worked. This is a 25 year investment and my contract say so.. XXXX is wanting to put a lien on my home and take me to court which I go so they can see what I am going though. Who protect the consumer when a product don't do what it should do and you pay for something that don't work. It took me 8 months to find a installer that don't service my area in XXXX. It don't make sense to me.. Please help me..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: IA

Complaint narrative:
Well my mortgage was purchased by Amerihome Mortgage Co. And during that time they raised our rate based on a miscalculation on their end with our escrow account that resulted in the monthly rate going up. Then they sold the mortgage to XXXX XXXX. In that sale they failed to transfer the sum of {$3100.00} in our escrow from them to XXXX XXXX. Which they did within days of being notified that it was their error that caused our monthly payment to go up. Not notifying XXXX XXXX of this our rate is still higher than it is supposed to be. Also since they didn't file the sale of our mortgage correctly it showed that it was closed and reopened as a loan which resulted in not only my credit score dropping drastically, but my significant other who is also on the mortgage as a secondary experienced the same hit on her credit.

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 2024-03-01 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I opened a checking with TD Bank, in response to a card I received in the mail inviting me to receive a {$400.00} promotional bonus for opening an account before XX/XX/XXXX, & receiving in the new checking account direct deposits totalling {$2500.00} within 60 days of account opening. I satisfied the direct deposit requirement on XX/XX/XXXX. To date ( XX/XX/XXXX ), despite approximately six telephone calls to customer service & to the local TD branch, as well as sending multiple emails, I have not received the promised promotional bonus. Four times I have emailed pictures of the card I received in the mail, which stated that it could be up to 180 days before the promotional bonus might be awarded ; that timing ( unreasonable to start with when compared to other banks ' promotional offers ) has now been exceeded by more than two weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
THE bureaus still refusing my dispute letters please delete it as soon as possible. Please delete it or else I will file a legal actions about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I appreciate your attention in addressing the fraudulent items within my file resulting from an alleged fraudulent activity. However, there remain additional items requiring removal. This complaint serves as a formal request to rectify the inaccurate information present on my credit reports. Enclosed are my personal documents and FTC Report # XXXX for your review. Below, I have delineated the inaccurate information by bureau : EXPERIAN : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 -- -- -- -- -- -- XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. In accordance with the Fair Credit Reporting Act, I respectfully urge the removal of these listed addresses from my claim. I request the immediate deletion of the aforementioned inaccurate addresses. Additionally, I request the issuance of a corrected copy of my credit profile to the address provided. Pursuant to Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items opened without my knowledge, consent, or authority within four business days, upon receipt of ( 1 ) appropriate proof of consumer identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information by the consumer; and ( 4 ) a statement from the consumer affirming that the information does not pertain to any transaction by the consumer. Thank you for your attention and cooperation.

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 2024-03-01 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On last Monday ( XX/XX/2024 ) I came to the bank to deposit all the check I have, but all that check include my name and also my wife name! 
And I ask the bank teller " can I deposit it? Cause the name of my wife on that check is different with the name on record! On the check is the XXXX name of her, because all the check I got is a wedding gift from my guest Also my wife 's real name is XXXX XXXX On the check they put the XXXX XXXX AND XXXX XXXX Bank teller said that fine cause have my name And we didn't have joint account yet, and I have make appointments on next day ( XXXX, XX/XX/2024 ) Then on Monday night at XXXX Chase bank send me the mail with detail " Due to recent activity, or because we need more information from you, we have restricted your account ( XXXX ) and XXXX need to close it if we dont hear from you soon. " Waiting until morning Tuesday I make the phone call to the number they provide ( XXXX ) They said they not approve because name of the thirt party not match with the name on the system or all the record! 
Cause my wife she not change the name yet They said they have to confirm the name is her! when I provide phone numbers even her boss 's phone number but they always said " the number didn't match with system! I tried so many times to explain! They said I can call to the check 's owner to cancel that check, until money go back to the owner 's check But Chase bank withdrawal the money on those check already! How to cancel! 



So can you help me to do this problem please All my money on this and XXXX cant pay the bill or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
on XX/XX/2024, CITI Bank took {$0.00} credit from my credit card account due to 'BALANCE REMOVED DUE TO 3 MOS INACTIVITY ' [ Transaction Description ]. Account had a NEGATIVE {$0.00} balance prior to that transaction. 

on XX/XX/XXXX, there was an monthly automatic charge made to the account. 
on XX/XX/XXXX, there was a payment made to the account resulting in {$0.00} negative balance. 

This account has automatic billing charged to it every month. Has been for months so the " INACTIVTY '' description did not make sense. 

when asked what had happened to the {$0.00}, the company could not answer and stated it was automatic to accounts with negative credit balances. When requested the refund for the {$0.00}, the company stated that amounts with less than a dollar could not be credited. I stated that this amounted to SKIMMING customer credit accounts that have less than a dollar negative balances. If a customer does not catch that, all those credit account negative balances can amount to huge deposits for the company across the thousands of credit card accounts they manage. 

The company offered to refund {$5.00} to the account but did not offer a solution to the 'skimming ' of negative balances of less that {$1.00} USD from credit card accounts with no audit trail where that money goes or why it just removed from the customer credit card account.

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 2024-03-01 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: PA

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 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP
State: VA

Complaint narrative:
I applied for a mortgage with US Bank on XX/XX/year>. I was told I was approved for a mortgage on XX/XX/XXXX. My closing was scheduled and I received a closing disclosure. On XXXX XXXX at approximately XXXX, US Bank called me to tell me I would not be able to close unless they got special approval. On XXXX XXXX at XXXX, I was told verbally that I would not be approved for the loan for reasons other than credit. I did not actually receive a denial letter until nearly XXXX on XXXX XXXX. 

I was told that I would be able to view the letter through the portal US Bank required me to submit documents to and where I signed documents. I downloaded all documents I uploaded from the portal at XXXX on XXXX XXXX. By the time I received the letter via email, after 10+ calls requesting information, US Bank had deleted all documents relating to my loan from the portal. No denial letter was uploaded, and all documents are removed from the portal. 

I have complained to 4+ people at US Bank that XXXX XXXX , my mortgage loan officer, would not and had not returned ANY of my calls in 2+ weeks. He will not call my broker back, and only occasionally responds via email to voicemails left. I have yet to speak with XXXX XXXX since at least XXXX and I have called him 10+ times. 

When I told US Bank that I would be filing a CFPB complaint, they stopped answering my calls entirely. They stopped answering my broker 's calls.

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 2024-03-01 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: PA

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 2024-03-01 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: NC

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
Consumer complaint received 2024-03-01 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: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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 of 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 response to consumer: Closed with non-monetary relief