vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: VT

Complaint narrative:
On XX/XX/23 I telephoned the Bank 's call center and spoke with XXXX XXXX. I was questioning the low interest payment for XXXX on an IRA since the rate had not changed. XXXX indicated he would research the issue and get back to me. On XX/XX/23 I again called the Bank requesting the same information and spoke with XXXX. She stated that since I did not open the account online she could not help me and I would need to go to a branch office. That same day I contacted a local branch office. They stated they would have to reach out to their contact person to get an answer. As of today ( XX/XX/23 ) I have not heard back from anyone at the 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 monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Urgent Complaint Regarding Service Approval Delay I have diligently attempted to resolve the pressing issue at hand with XXXX XXXX. Since XX/XX/XXXX, I have made numerous calls to obtain approval for service at XXXX. To expedite this process, the service advisor at XXXX reached out to XXXX, the service manager at XXXX XXXX, but regrettably, we have encountered persistent roadblocks. XXXX, a manager at XXXX XXXX, gave me assurance on Wednesday, XX/XX/XXXX, that my approval would be granted by Friday, the XXXX at XXXX XXXX coinciding with the return of XXXX, the finance manager. 

It is crucial to note that my active and in-effect warranty policy, known as " portfolio protection, '' was an add-on service contract that I purchased for {$2400.00} on XX/XX/2021. This service contract has been in effect, and I rely on it for necessary repairs and service coverage. 

The urgency of this matter is amplified by the fact that my car was overheating, rendering it impossible to drive to the purchasing dealer. The nearest authorized service center was XXXX, which I had to turn to for immediate assistance. 

Despite the assurance given, it is now Monday, XX/XX/XXXX, and the issue remains unresolved. This ongoing delay has been incredibly frustrating and has caused severe disruptions in both my work and personal life. The negligence on the part of XXXX XXXX has resulted in significant punitive damages. 

I urge you to take immediate action to resolve this matter and provide the necessary service approval. The continued delays and inconvenience caused by this situation are unacceptable and have caused undue harm. I expect a swift resolution to rectify this situation and prevent any further damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
This case is with two prepaid XX/XX/XXXX Prepaid XXXX that I had received through Cardholder Services - XX/XX/XXXX ( XX/XX/XXXX Member FDIC ). Without warning ( no warning emails etc ... ) they XX/XX/XXXX out my 2 accounts from {$1.00} and {$2.00} fees and called them dormancy fees. And my cards had an expiry date of XX/XX/XXXX. So it was a fair assumption on my part that my balnce will be good until XX/XX/XXXX. 

I only learnt this when I tried to use the cards last week. This is an unfair business practice to take away money from someone without giving them any warning. They didn't allow me to consolidate my cards either which makes using some of these smaller balances hard. 

I am sure I am not the only one to have suffered this. I hope you can assist in getting my money back and putting some guard rails in place to prevent this from happening to other unsuspecting card holders. 

Nowhere on their website do they warn of dormancy fees, unless it just surreptitiously hits your account.. This is cheating and amounts to fraud in my opinion,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony bank ( line of credit for XXXX XXXX ) closed my account with out my permission, with a balance. When we have paid the card down to 30 % or lower, synchrony dropped our credit limit to the balance so it is always maxed out. This has greatly affected my credit report. 


I also have another account with synchrony XXXX XXXX. This account has also been lowered on my credit limit. Whenever we get to about 30 % or lower of the credit limit they drop my limit to the balance maxing out the credit line. 


There was also an issue when, the other person on the account did a balance transfer and the bank transferred the wrong balance. XXXX reported it as a late payment although there was no balance to pay when logging into the site. We called them to correct the issue, and our payment amount and payment history was incorrect for XXXX  months until it was corrected. 

We don't think it is correct that they can just lower our credit limit when we have been making onetime payments and have good history with them. Closing our account with an open balance has a major affect on our credit and borrowing history and causes us issues in the future. We don't feel like we did anything to give them a reason to lower the limit or to close the account. They stated they can close it if your credit score goes down, but there are many factors to credit and many things can make it go up or down. Including closing a card with a balance will make it go down enormously. We have been in the process of trying to get qualified to buy a home and now we can not due to them impacting our credit. 

This company doesn't consider the well being of its customers. 
I would definitely strongly recommend not using this company. When we decided to use financing we thought it would help build our credit by having a credit line and making on time and larger payments. This definitely was not the case working with this creditor.

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 2023-10-30 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
In accordance to the Fair Credit Act. These creditors have violated my rights under

15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a paym
ent on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
XXXX XX/XX/2023 I submitted a qualifying loan forgiveness application which was approved. Mohela informed me that it would be placed in administrative forbearance until the acct was updated by DoE. I requested an update again in XXXX and was told give it another 30-60 days. I received a payment request and the acct was removed from forbearance in XXXX but the acct has not been serviced or updated properly. I have endured several hours on hold only to be told the acct was approved for loan forgiveness but the acct has not been updated and a payment is still being requested in the full amount. The payment is not past due with another right behind it but the acct remains unchanged and Ive been given bo timeline for updates or servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 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 2023-10-30 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: 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.

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
Consumer complaint received 2023-10-30 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: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

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 2023-10-30 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: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XX/XX/2023 XXXX sent an email stating that Capitol One initiated a Hard New Inquiry XX/XX/2023 I contacted XXXX and spoke to a representative. They don't know why a credit inquiry was initiated and suggested that I contact Capitol One directly. 
XX/XX/2023 I spent several hours calling two different phone numbers for Capitol One. I was not able to get through to a person to discuss the issue. 
Capitol One does not publish an email address. There is no information on their web site for issues with unauthorized Credit Inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: CT

Complaint narrative:
Mosaic solar charged me XXXX  I never signed or agreed to any service. I was just checking to see what savings I would have. And cost to do it. 
Never agreed to service but have a loan on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
This started when I attempted to see if the recent SAVE act would decrease my monthly payments. 

I put in my data into Aidvantage 's website, and they automatically enrolled me in a payment plan that increased my monthly payments by almost XXXX. See screenshots. 

I immediately tried to change my payment plan back, but Aidvantage has prevented me from being able to do so. 

I emailed them as directed on XX/XX/XXXX, and received a 'no reply ' email that indicated I would receive a response in 2 business days. It is now 15 days later with no response. 

You can not call them since no one answers the phone. You can not 'request a call back ' as on their website as all times are blocked out. 

They are attempting to lock me into a higher loan payment and this negligence should be criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. I demand the following accounts be verified or removed immediately. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
- Our son purchased a {$50.00} gift card for us as a Christmas Gift. ( XX/XX/XXXX ) - The first time we activated it was on XX/XX/XXXX. 

- Immediately upon activation, 7 very similar charges popped up, all for just a few dollars, and all within a few cents of each other. ( {$3.00}, {$3.00}, {$3.00}, {$3.00}, {$3.00}, {$3.00}, {$3.00} ) We immediately called customer service to report this, but we were told that they could not officially put in a dispute until 1 month later ( end of cycle?? ). 

- On XX/XX/XXXX, we again called, and an " official '' dispute was entered. 

Also at this time, our account STILL read these charges as PENDING, which seems to indicate that they had not yet been processed ( much like a credit card ). 

- Our card was frozen pending the investigation. 

- We repeatedly called, and got no results until XX/XX/XXXX, of which was a generic letter stating that based on the evidence provided, they could not approve the dispute. The letter had NO phone number to make inquiries. It only stated to email their disputes department for any questions. 

- We called the general customer service number and was told to wait for the new card to be mailed to us, and that it would be for the full {$50.00} amount. 

- The card arrived with only a {$23.00} balance. 

- We emailed the disputes department on XX/XX/XXXX & XX/XX/XXXX, but have received NO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I checked my credit via credit monitoring website to apply for a credit card and became aware of multiple credit accounts that were opened in my name, fraudulently without my permission. 
I spoke with the 3 major credit bureaus whom advised me to file an identity theft report. 
List of accounts opened fraudulently are as follows. 
XXXX XXXX XXXX XXXX account # XXXX - {$5600.00} XXXX. XXXX XXXX bank XXXX account # XXXX - {$0.00} XXXX. XXXX XXXX account # XXXX - {$0.00} XXXX. XXXX account # XXXX - {$240.00} XXXX. XXXX account # XXXX - {$3100.00} XXXX. XXXX XXXX XXXX account # XXXX - {$16.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) account # XXXX - {$240.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) account # XXXX - {$120.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) account # XXXX - {$130.00} XXXX. ( XXXX XXXX : XXXX XXXX ) account # XXXX - {$130.00} XXXX. XXXX XXXX account # XXXX - {$170.00} XXXX. ( XXXX XXXX : XXXX XXXX ) account # XXXX - {$130.00} XXXXXXXX XXXX account # XXXX - {$0.00} Unauthorized Credit Inquiries : I also dispute the following unauthorized credit inquiries on my credit report : XXXX XXXX XXXX Credit Card - XX/XX/XXXX XXXX - XXXX Credit Card XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Banks - XX/XX/XXXX XXXX XXXX - Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - Personal Loan Companies - XX/XX/XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX - Sales Financing - XX/XX/XXXXXXXX XXXX  - General Contractors - XX/XX/XXXXXXXX XXXX XXXXXXXX - Bank XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Commercial Banks - XX/XX/XXXX XXXX XXXX - Miscellaneous Banks- XX/XX/XXXXXXXX XXXX XXXXXXXX - Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - General Contractors - XX/XX/XXXX XXXXXXXX XXXX - Bank Credit Cards XXXX XX/XX/XXXX XXXX opened without my authorization as well as multiple credit inquires

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Best Service Co.,Inc
State: TX

Complaint narrative:
I am reporting the following companies : THE BEST SERVICE and XXXX XXXX both companies are reporting on my credit reports for the same account. XXXX XXXX sold the account to The Best Service both companies are reporting different amounts for the same account I have made a dispute for both companies I have uploaded receipts showing account was paid before the collection was made to no prevail to have the accounts removed from my reports companies have given unexcusable results I would like upper management to look into issue.

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 2023-10-30 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: UNITED BANKSHARES, INC.
State: OH

Complaint narrative:
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation