vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have serval auto loans with XXXX. I have on numerous occasions attempted to get them to rectify the inaccurate reporting of information on my credit report. The issues first started when one of my three auto accounts payment was not drafted on time. The account used to supply payment had been closed by my bank due to fraud and and new banking information was loaded into the system as alternate payment. Now depending on whom you speak with at XXXX and which Department you speak with XXXX 's story always changes. Now I'm told part of the program is XXXX 's Department are unable to speak and share information with each other, which I find hard to believe in the XXXX Century. 

Depending on whom you speak, I was last told that once and account had a reported closed account attached to it, the consumer can NO LONGER amend their payment, nor can they add a new account to continue with the ACH payment. On top of this since the account was set up as " Paperless Billing '', XXXX made no attempt to notify myself of the missed payment via mail or phone. They do however claim to have sent emails, to which they acknowledge I never opened. 

Therefor in the end my account went two payments past due before I caught it, over paid the account and ultimately within 5 months of discovering the error just paid the vehicle off. 

XXXX in my opinion used deceit and fraud to dodge the responsibly owed to all consumers by not supplying notice of reported delinquency, as well as charged extra fees for late payments, that would have been made had they made any attempt to contact myself. They stated that they their policies regarding responses to their clients and not permitting the system to continue to attempt to draft off the account was somehow a safety trigger for the consumer. XXXX, go figure they over charged me fees, and somehow did me a favor?? At no time did XXXX ever notify me that their " policies '' had changed, and that if and account needed a new banking information attached that this would be impossible without reapplying for a whole new account! 

Due to their errors I have been denied credit, saw my average XXXX XXXX drop from XXXX to under 700. This has also meant that loans I needed for my business now put me at higher credit risk, and ultimately cost me more in financing fees. Quit interesting since I have two additional loans with XXXX that were not affected. XXXX should be investigated for 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 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have received a reply from CHASE credit card services from the Credit Service Specialist, XXXX regarding my " cfpb '' complaint ID XXXX. As of today, XX/XX/2022 my dispute of {$430.00} is not resolved. 

Here is the full description of my dispute that I have written back to CHASE. The problem is on CHASE, they did not correctly credited the disputed amount of {$430.00} into my credit balance. 

XXXX Cardmember Service Specialist XXXX XXXX XXXX XXXX, DE XXXX Dear Customer Service Specialist XXXX, This is to inform you that I have received your reply dated XX/XX/2022 regarding my dispute. As you said in your reply I should be able to see the credit of {$430.00} online in my account. As of today, on XX/XX/2022 I Did not see any refund of {$430.00} in my account. I have just downloaded the XX/XX/2022 Statement it does not show any correction of - {$430.00} in my CHASE Credit Card Balance. 

Here I have to summarize one more time to point out that the error is made by CHASE. 
Attached you will find copies of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 with my hand written notes. 

XXXX ) The XX/XX/2022 Statement : This statement shows the total purchase from XXXX XXXX XXXX XXXX as verified in your XX/XX/2022 letter. In addition, this statement also shows the amount of - {$430.00} was returned to XXXX XXXX XXXX XXXX. However, {$430.00} refund shown by XXXX XXXX  XXXX XXXX was not credited, was not deducted in my XX/XX/2022 statements total balance. The total balance that I owe to CHASE still bills me the full {$920.00} total purchase that I made from XXXX XXXX  XXXX XXXX. The balance of XX/XX/2022 statement should have been {$560.00} after crediting the {$430.00}. 
I have paid {$560.00} for my true /valid purchases that applies towards purchases made from XXXX XXXX XXXX XXXX before the XX/XX/2022 statements due date and leaving {$430.00} unpaid with an expectation that CHASE to correct the error and apply the amount of - {$430.00} on my credit balance. 

2 ) The XX/XX/2022 Statement : This Statement shows the payment of XXXX that I have made but never and never shows the amount of - {$430.00} which should have been credited towards my CHASE credit card balance. 

3 ) The XX/XX/2022 Statement : This statement still shows my unpaid {$430.00} which should have been credited by CHASE for the items returned back to XXXX XXXX  XXXX XXXX. As of this statement CHASE still did not credited the - {$430.00} to my balance. Instead it shows a credit of - {$50.00} leaving {$380.00} balance in account As a summary I do not owe any further balance to CHASE, instead CHASE owes me {$430.00}. 


Thanks for your attention in this matter. 
XXXX XXXX CC : Consumer Finance Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
XXXX continues to report fraudulent account information on my credit report and refuses to actually verify the information. They will not provide any physical evidence of a actual investigation and they will not accept any documents proving these accounts do not belong to me thats over XXXX, basically any documents on a standard piece of paper would be, under their guidelines too large for them to accept! This is absolutely crazy! This has been going on for 3 years, the stress and damage they have caused is mind numbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I sent a notice of dispute and documents, they signed for them by mail and I have not heard XXXX word, nor has anything been changed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have a credit card from XXXX XXXX which uses Comenity Bank to issue the card. My credit reporting history has not been updated since XXXX. I have called Comenity on numerous occasions asking if they can update my account. I keep getting the same answer about their system was changed recently and it should be updated in XXXX months. XXXX months has turned into XXXX months. All the while I have been making payments. My credit utilization, and payment history is not changing. I am tired of calling and getting the run around. Please help with this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 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: CA

Complaint narrative:
i went to apply for a car and notice on my report multiplt credit inquiries on my credit rport i never inquired about 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
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2022 I stopped at a gas station and my card was declined so I logged into my online account to learn that my funds were unavailable. I then called the number provided and was getting a message stating for me to leave a message and that they would get back to me within XXXX business days. I proceeded to call because not only is my rent due tomorrow but other bills are scheduled to come out of my account and I have a planned vacation out of the country for XX/XX/2022 and no access to my funds. I missed half a day of work on the phone with the bank and at their cafe branch located in XXXX WA. trying to get help with getting my funds before I leave. I was able to obtain {$2000.00} of my balance but had to pay {$20.00} to get the remaining balance mailed to me. Which I still may not get until after I am already gone on my trip. I was told when I was finally able to reach someone that an internal investigation happened and that they decided not to allow me to have an account with them any longer. I have been a bank account holder with them since ING Direct was the initial banking institution. How I have been treated and handled with all of this seems very retaliatory. Furthermore, I have a direct deposit that was scheduled to hit the account on XX/XX/XXXX and have had to try to stop that, and now I have to possibly wait XXXX  days for a check to be sent to me if they don't reject the direct deposit. Either way, I will not get my paycheck as I expected the day of my trip and have to wait with the hope that I receive the check with the remainder of the funds before I leave. I can not get a refund on my ticket for my flight or hotel room nor can I change it. That being said I am not going to get paid on Friday which is my pay date and I am at their leisure when it comes to when the rest of my funds will be received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
Cashapp has and continues to allow unauthorized transactions on my account even with physical documents advising them these charges to XXXX  XXXX XXXX XXXX XXXX and charges to the XXXX are not valid charges. I have provided documents on each incident to show the charges are incorrect but Cashapp keeps refusing the documents as evidence and sides with the merchant who has provided nothing. 
Stratosphere XX/XX/XXXX {$100.00} XXXX  XXXX XX/XX/XXXX {$28.00} I literally provided Cashapp with a copy of the legal letter to XXXX  XXXX notifying them they are NOT authorized to charge my account and Cashapp STILL allowed them access to my account and approve the charges then denied my dispute without any explanation. I will include the docs with this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: FL

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. 

Account Name : # XXXX XXXX XXXXXXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : Convergent Outsourcing 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 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 explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I received an email saying my Apple Card was closed. I never missed a payment, never carried a balance and I always use it. They said I violated the terms of service and told me to read it. I read the entire terms of service and I got in touch with them and they said its internal they cant tell me why. My credit is perfect. They are purposely trying to ruin my credit. Im in the middle of a hike purchase and my credit is going to take a hit because they want me to pay higher interest rates or not be able to move somewhere better.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXXXXXX 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 2022-11-30 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: TN

Complaint narrative:
My equifax credit report has been locked for about XXXX months, and equifax allowed XXXX to run my credit without my permission on friday resulting in a reduction to my credit limit. My billing cycle had not ended to which I was to make a payment before it ended on XX/XX/26. I did not unlock my credit report and was not asked for permission to release my information or report to anyone. When speaking with XXXX, they told me that equifax released information prior to my billing cycle ended to which I inquired why would they do that without my permission and my report is frozen and also why would they do that before the billing cycle ended. They could not answer the question but told me to address the issue with equifax to which I have not received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
So, I had fallen behind on my mortgage payments a total of XXXX months My monthly amount is approximately {$860.00} per month I called on the XXXX of XXXX to make a payment. 
They refused to accept the payment and demanded that I make a minimum of XXXX monthly payments. 
So I reluctantly said that I would try to get another payment together by the end of the month. 

Here it is the last day of the month, I am a few XXXX short on the XXXX payments that I am " required '' to pay. 

I call Lakeview Loan servicing to discuss this things.. 
I am told that the minimum payment I can make at this time is {$1700.00} XXXX ask what the additional amount is for they say its because of fees. 

I tell them I cant make that and that I'm a few XXXX short. 

representative says " Thats good news because we can do a re-payment plan where we take half today, and spread the remainder out over XXXX months. 

Sound good, right? so she said to make the payment today in the amount of {$1300.00} and then I would need to make a payment of {$1500.00} per month for the next XXXX months I said that the math doesn't add up, and ask that she explain. She puts me on hold and says " there are corporate fees involved '' and I asked to elaborate and give me the amount of these fees with what they pertain to and she could not do it. refused to do it. 

by my calculation and every late fee I've been hit with from the time the loan originated rounding all numbers up at most should be a monthly payment of {$1300.00}. 

They refuse to explain the extra {$500.00} per month and hung up the phone on me. 

Now I'll be facing foreclosure or agreeing to be extorted for a {$500.00} per month fee from this company. No option other than one or the other and this shouldn't be legal. 

look em up on XXXX, I'm not the only one who has issues. They have the lowest rating they can possibly have.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name : U S DEPT OF EDXXXX Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX, 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 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 2022-11-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
i went to apply for a car and notice on my report multiplt credit inquiries on my credit rport i never inquired about XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i went to apply for a car and notice on my report multiplt credit inquiries on my credit rport i never inquired about 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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XXXX. I have accounts on my report that I don't recognize but they still haven't put a block or removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.

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 2022-11-30 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: SC

Complaint narrative:
15 US 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank Loss Draft Department Hurricane Ian Flooded my home, flood insurance cut a check and I sent to Mortgage company. The company sent me a check for XXXX dollars- I deposited the check they cancelled it. I have contractors lined up and the company will not explain the issue or why I was given the check and it was then taken away. I was able to call and they stated their policy changed. I called on XX/XX/XXXX at XXXX and XXXX stated I would get a check for the total amount, called back on XX/XX/XXXX XXXX stated the check was mailed and at my home. I deposited the check on XX/XX/XXXX. I was notified by my bank on XX/XX/XXXX that the payment was stopped. I still haven't received notification from the company or a supervisor of why this occurred. I have a letter saying final disbursement was given and claims is complete. I have contractors coming next week and I won't have money to pay them to get my home where I can live in my home. I was able to get notification after multiple calls today that they would send XXXX for repairs. The problem I have is the poor information shared so I can plan to fix my investment ( home ) and the lack of communication and cancelling funds so my checks are going to bounce without that money and I will have to pay additional fees due to the incompetence of this bank.

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