vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 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: PA

Complaint narrative:
My consumer report has been improperly used and my rights have been violated. 
In accordance to 15 USC 6801,6802. I was supposed to be given appropriate notices to report anything on my consumer report and then be given the option to opt in or opt out of allowing that information to be reported to my consumer report and then be given the exact process to be able to opt out securely. 

This information is an invasion of my privacy rights. 
The Granm Leach Billey Act 15 USC 6802 states that I as a consumer should receive a notice and that this information can not be reported in public, it is my personal information and the listed items below should be removed immediately because I never received a notice nor did I give my permission to anyone. 
1 ) XXXX XXXXXXXX - # XXXX XXXX 
2 ) XXXX XXXX XXXX # XXXX XXXX 
3 ) Dept of EducationXXXX # XXXX XXXX 
4 ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 
5 ) XXXX XXXX XXXX 6 ) XXXX XXXX - # XXXX XXXX 

7 ) XXXX XXXX XXXX - # # XXXX I never received NOTICE or gave anyone PERMISSION. Remove these items from my consumer file.

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 2023-09-02 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: PA

Complaint narrative:
My consumer report has been improperly used and my rights have been violated. 
In accordance to 15 USC 6801,6802. I was supposed to be given appropriate notices to report anything on my consumer report and then be given the option to opt in or opt out of allowing that information to be reported to my consumer report and then be given the exact process to be able to opt out securely. 

This information is an invasion of my privacy rights. 
The Granm Leach Billey Act 15 USC 6802 states that I as a consumer should receive a notice and that this information can not be reported in public, it is my personal information and the listed items below should be removed immediately because I never received a notice nor did I give my permission to anyone. 
1 ) XXXX XXXX - # XXXX XXXX 
2 ) XXXX XXXX XXXX- # XXXX XXXX 
3 ) Dept of EducationXXXX # XXXX XXXX 
4 ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 
5 ) XXXX XXXX XXXX 6 ) XXXX XXXX - # XXXX XXXX 

7 ) XXXX XXXX XXXX - # # XXXX I never received NOTICE or gave anyone PERMISSION. Remove these items from my consumer file.

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 2023-09-02 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: EdFinancial Services
State: PA

Complaint narrative:
I qualified for a program through the state of Pennsylvania ( PHEAA ) for a payment in the amount of {$6000.00} to my student loan account with EdFinancial on my behalf. The payment was made in XXXX of this year and has still not been applied to my account. EdFinancial has confirmed they received this payment, however they have not given me a date in which it will be applied to my account. This is unacceptable for them to hold a payment for almost four months without posting it. I have contacted them multiple times about this but have received no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I made 2 payments for Westlake financial services .so the report on my report is wrong they sold my car to auction with my 3 items of mine would like to dispute this out of my account. XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  this account is still open and not close. {$360.00} XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  dispute this account paid then account got closed. {$94.00}

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 2023-09-02 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:
After strongly encouraging customers to use online banking services rather than banking at physical branches, JPMorgan Chase has more recently begun trying to entice customers to go paperless ( i.e., to receive all of their communications, such as monthly statements, online only ). I have always tried to decline that option, but Chase makes it very difficult to do so. Recently, Chase has taken its attempts to force paperless on its customers to a new level. Specifically, when I signed on to my account several days ago, I was greeted by a screen that required me to accept Chases Online Electronic Disclosure and Consent and its Digital Services Agreement BEFORE I could access my bank accounts- checking and savings - or my credit accounts. Moreover, one of those documents was 10 pages long ; the other was 125 PAGES! Which I was apparently expected to review in a 5-inch phone screen. 
Its unfair, deceptive and abusive to advertise the ease and safety of electronic accounts while enticing people to sign away important rights they would have in a non-electronic environment, especially since Chase has knowingly fashioned the signup process such that not one in a hundred reasonable consumers will read - or understand - whats happening. And, if a customer chooses not to agree to this surprising, one-sided and completely non-negotiable agreement, what then? Does the customer have any recourse other than to periodically appear at a brick and mortar branch - which Chase has been actively discouraging its customers to do for years - and request a transcript of their accounts? Indeed, a customer who previously consented to paperless delivery can not even access their account to rescind that consent in order to receive the agreement by mail, at least not without first agreeing to the terms of Chases 125 page agreement. How is this fair? Or ethical? Or even legal? 
This is especially frustrating because, after being hacked many years ago, the banks fraud prevention officer advised me to check my account - every day- to help identify and prevent fraudulent activities. And, for the most part, I have done so. Until now. 
These types of sharp business practices, which inure entirely to the benefit of the bank, should not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated
State: IL

Complaint narrative:
A paper was left in door in XX/XX/XXXX regarding a judgement dated XX/XX/XXXX and the paper indicated it would revive judgement. But I did not open any accounts and was not aware of any judgement. I was told by company that it did not matter because the judgement was already entered and that they could collect any amount listed plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX shows late for XXXX, XXXX and XXXX on all 3 credit bureaus but it was not late in those months

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 2023-09-02 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: NY

Complaint narrative:
XXXX XXXX shows late for XXXX, XXXX and XXXX on all 3 credit bureaus but it was not late in those months

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 2023-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Company stopped drafting auto payments for XXXX and XX/XX/2023 unbeknownst to be. 
The first I learned of it was when I received a certified letter stating my loan was in default and foreclosure was imminent. I had made several additional online principal payments prior to the autopayment being disrupted but I did not cancel the autopayment feature. Perhaps that trigger something in their system thinking I was paying off the loan. 
The company responded to my complaint by saying they were not at fault. I asked them to offer proof that I was the one who cancelled the autopayment. They have not responded. I was charged {$200.00} in late fees and penalties and reported to the credit bureaus as a late payer knocking my credit score down by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have a XXXX XXXX account on the adverse section of my TransUnion report. It is too old to be on my report, and the Transunion account shows that the item is due to be removed in XX/XX/, which is the current month. 

I submitted a dispute, and the results came back that Transunion deleted the XXXX tradeline. However, it is still there. I chatted with someone via the chat option as every time I called the line would disconnect from Transunion 's end. The representative could not tell me why it was not deleted even though it has met the seven-year timeline. 

This is incredibly frustrating and I would like this old XXXX tradeline to be deleted as they said it had been.

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 2023-09-02 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: SC

Complaint narrative:
Multiple accounts on my report show closed and written off. Yet they are still reporting negative to credit bureaus. How do you owe money thats written off?? 
Dealing with the bureaucracy and the willingness to hold one down is sickening. But yet we PAY and supply criminals that cross the border with money, phones, health insurance, shelter. Thanks American government and ALL agencies involved. Im a citizen that doesnt mean XXXX XXXX. And Ive never broke the law. 

+++ SEE ATTACHED +++ +++ What happened and why +++

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: SC

Complaint narrative:
Multiple accounts on my report show closed and written off. Yet they are still reporting negative to credit bureaus. How do you owe money thats written off?? 
Dealing with the bureaucracy and the willingness to hold one down is sickening. But yet we PAY and supply criminals that cross the border with money, phones, health insurance, shelter. Thanks American government and ALL agencies involved. Im a citizen that doesnt mean XXXX XXXX. And Ive never broke the law. 

+++ SEE ATTACHED +++ +++ What happened and why +++

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 2023-09-02 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: NY

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 2023-09-02 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: NY

Complaint narrative:
XXXX XXXX shows late for XXXX, XXXX and XXXX on Equifax but it was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XXXX has a inquiry on my under my name & social security number. I did not apply for XXXX XXXX. I contacted them with XXXX  & notified them it was identity theft and to please remove it from my credit report. 
As of today it is still showing on my credit report as a inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Capital One XXXX Who I have been a customer with for 10yrs or more decided to freeze my card due to suspicious behavior. They have given me the run-around in my NUMEROUS ( 5 ) attempts to resolve the problem. I no longer afford my own internet and they would not accept the phone I was wanting to use to receive their confirmation # 's. I also changed my address to much issue with the USPO, now resolved ; and they refused to accept my notices of change of address. I have continued to pay off the card, which they have accepted to no avail of a resolution. I even went and made copies of my IA drivers license and sent it with the confirmation code given to me by them. They confirmed receipt but refuse to talk to me as the card owner and tell me what the problem is even about. " the card is smudgy '' They have even recently charged me interest on a paid in full account and refuse to tell me why. I have tried everything in my power and feel harrassed and disrespected by them all in the name of " protecting '' the very person they are in a contractural agreement with. This has taken up hours of my time and I am still unable to resolve this. I dont feel sending my ID in the mail is an option.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST PORTFOLIO SERVICING INC
State: DC

Complaint narrative:
On Tuesday, XX/XX/XXXX  I called XXXX XXXX and made a final payment of {$510.00} and I requested a paid in full letter. On Saturday, XX/XX/XXXX  I received a letter from XXXX XXXX that {$65.00} was charged off, I called XXXX XXXX inquiring about the framing of the letter and it appearing as if only {$65.00} was paid to them on XX/XX/, XXXX XXXX stated that I would have to call back after the Holiday as on one was in the office and they say they can not find any record of my payment top them although XXXX of XXXX XXXX, California confirmed he could see the payment on his end and I had been provided a confirmation number of XXXX and an email ID of XXXX : XXXX, they say they can not find the record and makes it appear as if {$510.00} was not paid to the. The company seems to be conducting fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: NY

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 explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Hello, in XX/XX/XXXX  we filed the following complaint with the CFPB. 


" While shredding some old files, I found a Capital One brokerage account that my mother and I jointly held. We are not sure if the account was liquidated or transferred to another brokerage firm ( as Capital One no longer services brokerage accounts ). I am looking for more information on this account ( its status- was it transferred, or previously a {$0.00} balance at the time Capital One ceased servicing it )? '' We would like the case reopened. We're attaching a file from Capital One with the account details to help Capital One locate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I have been trying to catch up on payments since I retired on XX/XX/XXXX. I was XXXX XXXX XXXX prior to that date. I could not continue to work due to XXXX. Between late charges and interest fees I can not catch up. I applied for social security and received it in XXXX. I have applied for XXXX and am waiting for a response. I can not keep up with payments on our current credit cards and my credit score continues to decline. My husband is almost XXXX XXXX XXXX. We can not pay our daily living expenses. I am told I have to pay by today and by XX/XX/XXXX and we can't as I don't get a check until XX/XX/XXXX. I had to set a {$400.00} payment for that date so I can't pay my other bills. I am working to pay off all our other bills with XXXX XXXX XXXX but we are back in debt the same amount I am trying to pay off. We want to pay our bills, we just can't. I have worked since I was XXXX XXXX XXXX. I worked my way through high school and college. There is no way to get out of this whole it seems. We don't go out to eat, we don't go on vacations, and have a XXXX XXXX. We have an old refrigerator, a washing machine that is falling apart, and don't have central heat or air. We went on vacation once in the last three years for one week and I had to work most of that. Please help, I can provide more information upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/. I applied to extend my credit in good faith and was denied under due to hearsay.

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