vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
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 knowns or has reasonable cause to believe that the information is inaccurate. 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
Since the first of the year for 2022, I was not working. My husband is a XXXX veteran. I did not start working till XX/XX/2022 for a temp agency ( which I am currently still working for ). I contacted USAA to let them know I had just started back working and we had exhausted all our means of funding ( including 401k ) to keep our bills afloat. I called them, to see if they could lower my monthly bill. My other credit cards gave me a fixed low interest rate for a few months, to help me till things got better. A representative at USAA told me they do not help or assist until your account is 3-4 months behind in payments ( which was shocking to me ). So I paid what I could during that time, and the balance continued to rise along with the minimum due. From XX/XX/2022 to XX/XX/2022 the minimum went from {$280.00} to {$1800.00}. I asked could they remove or not bill for the interest to help, all they did was cut the late fee in half to {$25.00}. It got to the point I was over my balance by {$1000.00} or more. So my husband had to go borrow off his credit card ( they gave him cash ) to pay USAA to help me get the balance down some. When I finally got the card under control, then they raised the interest rate. So now my minimum has gone up. This is ridiculous!!! 
I just recently applied for a credit card with my bank to pay USAA off in full ( 0 % APR for 18 months of transfer balance ) the bank did not approve me for the full balance of XXXX. But someone at the bank accidently sent USAA {$1300.00}, so I called USAA to forewarn them, if they see the payment to NOT to accept it. They accepted it, which does not surprise me. My husband and I have been with USAA for yearssss. I would not recommend them to NO ONE!!! My bank is working on recouping the payment they sent in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is now the 3rd complaint Im filing. Wells Fargo closed my account after someone FRAUDULENTLY deposited a check into my account which was made out to I assume themselves or a fake name. The check bounced and Wells Fargo closed my account and now is holding me accountable for the money that was FRAUDULENTLY deposited and then FRAUDULENTLY withdrawn from my account. How am I expected to pay back money I never touched or had knowledge of?

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 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
After I received E-Statements from FNBO detailing a ~ {$20.00} balance due, I accessed FNBO 's mobile, which I used to make all previous payments on my FNBO card for the almost 2 years I used their services. The mobile app did not display any balance and, as a result, did not allow me to pay it. I accessed the mobile app multiple times in XXXX and XXXX attempting to find the balance that corresponded with my e-Statements. I was confused and assumed the e-Statements I received were a glitch or error. 

Prior to XXXX, at the end of XXXX, my phone and other cards were stolen while I was traveling in XXXX. After the theft, I called FNBO to ask if I could use the card while traveling. Instead of answering my question or helping, they froze my account on suspicion of fraud. The only way they would un-freeze the card would be if I did a bank ID, which I told them was impossible, given I was out of the country and would not return to the US until the middle of XXXX. I believe the freezing of the account could have had an impact on the failure of the app to accurately represent my balance. I also believe the timing of the freezing led to my confusion about the e-Statements being erroneous. 

FNBO 's records show that they sent me one email reminder to pay my credit card balance at the end of XXXX ( XXXX : an email reminder is not a notice of delinquency ) and letters in the mail after I missed the XX/XX/XXXX pay deadline. If FNBO had taken note and/or communicated to their collections department that I was out of the country they could have sent communications other then letters to my home address in North Carolina to notify me of my ongoing delinquency and need to pay. Given the error in the mobile app, I was under the impression that I had no balance to pay until my account was closed last week ( XX/XX/XXXX ). 

The effect of closing my account has had a disastrous impact on my credit score and has even caused my other lines of credit to decrease my credit limit with them. I had a perfect payment history with FNBO ( and all my other cards ) before this communication failure. Additionally, I paid significantly much more on my other credit cards during the period that FNBO reported me as delinquent. I was not willingly avoiding paying my ~ {$20.00} balance with FNBO - I was failed by multiple systems of consumer service and communication at FNBO and left in the dark about my small debt with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: VA

Complaint narrative:
I do not recognize this that I do not hold this amount of money to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-06-16 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: IL

Complaint narrative:
On XX/XX/2023 a hard inquiry appeared on my credit report labeled " XXXX '' it happened without my knowledge or permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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: AL

Complaint narrative:
I placed a security freeze on my credit report but on my credit report I see where there are 2 inquires that I did not authorize was on there... The FERA states that the only permissible purpose for pulling someone's credit report is A ) firm offer of credit B ) c insurance C ) employment or D ) a court order The following inquiries are related to none of the aforementioned permissible purpose XXXX XXXX XXXXXX/XX/XXXX * XXXX XXXX XXXX XX/XX/2023 Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.

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 2023-06-16 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: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan Depot Mortgage Co. 
My mortgage co. has made a serious mistakeerror on allocating my withholdings for my escrow account to pay my property taxes. And now Loan Depot is asking for approximately {$5000.00} in backpay for their negligence 's. Shortly On my refinancing closing date I had called the mortgage co. ( 3 ) different times speaking with three different representatives. With concerns on my escrow account for taxes, which I specifically asked that these calls would be noted in my account. I was assured by all three reps. that my escrow account was correct. And now the mortgage XXXX is expecting a substantial amount of money from me. And therefore, I hold Loan Depot accountable for this financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
The school closed in XXXX. My parent loan was illegally charged and I couldn't pay my son 's last year, so he was not allowed to continue. They still added the amount to my account. We tried to resolved but the school closed down. My son has been denied transcripts and thus the opportunity to get degree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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:
I downloaded my credit report on XX/XX/2023 and I noticed there are hard inquiries that don't have permissible purpose to be on there. I already reached out to Experian about this. Multiple times they keep violating my rights under 15 USC 1681b. I have attached the Hard inquiries that don't have no purpose to be on my credit report.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In accordance law with the Fair Credit Reporting act XXXX XXXX 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 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 XXXXhas 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 non-monetary relief
Consumer complaint received 2023-06-17 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: Synovus Bank
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and 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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I'm not sure if this is the lender 's fault or Trans Union, but between XXXX XX/XX/15 Dept. of ED / XXXX account was removed, then My balance increased. This has always been an open account and it's been paused do the pandemic. All I know is it caused me XXXX points on my credit report. I want my score fixed, I've been working too hard to rebuild my credit and all of sudden someone made a mistake and caused me XXXX. That's not fair nor right, there should have never been an adjustment made. Should have never touched the account. Also I've tried calling XXXX and it keeps ringing. I can't get ahold of no one.

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 2023-06-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had two different claims filed in the XXXX XXXX with bank of america prepaid card services. The initial claim or 1st claim that was filed in XXXX for the amount of {$210.00} was not submitted by the representative. Until XXXX of XXXX XXXX XXXX. Neither at the time of me following the claim or when The abandoned claim was finally submitted in XX/XX/XXXX. Have I been given provisional credit and Continues to remain in a pending status. The other claim which was supposedly resolved with an inclusive letter dated XX/XX/XXXX States the amount of the claim that was supposedly resolved for the amount of XXXX XXXX XXXX XXXX and XXXX XXXX dollars at which I received exactly XXXX XXXX XXXX dollars. Upon contacting customer service and reaching out to hierarchy or hierarchy or supervision the back office supposedly was contacted and gave a date of the following Friday when the. Rest of the funds would be there which never occurred. Between this claim and the one that had been abandoned and finally filed in XXXX of XXXX. I have yet to receive any correspondence from the investigation team. I have not received the remaining funds from the claim that was over XXXX XXXX dollars. I never received any XXXX credit though hardship claims and missing credit claims were submitted as well as complaints by both customer service reps in supervisors. Police reports were filed as well as documents faxed over by myself and yet nothing has occurred except a non responsive investigating team that will not even consider Provisioning me after the claim submissions. Also a representative Notified me that the car had only been blocked but had not actually been canceled.

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 2023-06-16 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:
I downloaded my credit report on XX/XX/2023 and I noticed there are hard inquiries that don't have permissible purpose to be on there. I already reached out to Equifax about this. Multiple times they keep violating my rights under 15 USC 1681b. I have attached the hard inquiries that don't have no purpose to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NE

Complaint narrative:
I tried to send my sister {$350.00}. She tried to sign up for the train account. And it ended up freezing and covers. She couldn't make a second account then. Afterwards, it said the money was claimed. We called chime right away. And at that time, she was able to sign up on the count. But no money was sent to my sister. And it was taken from my account. I have spoken with several supervisors in the escalations department. Who have verified that? Neither my sister nor me have that. XXXX dollars, and that it needs to be refunded to my account. They are try to help me file disputes. But trying automatically denies my dispute. Because they say she sent the money. Yes, I did send the money. But there was an error in their system. And the money was never actually deposited. I need my refund for this amount.

Company response to consumer: Closed with explanation