vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: FL

Complaint narrative:
On XX/XX/2022, I sent a notice to Experian to investigate accounts on my consumer report that are inaccurate. I have not heard anything from them. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In General. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The law plainly states that a failure to investigate these items within 30 days gives a reason to immediately delete those items or information from my consumer report. It has been 30 days so the accounts should be deleted promptly. 

It has been almost 40 days and I have not heard anything back. 

They are inviolation and the accounts need to be deleted from my consumer 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 explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We reached out to Bank of America in XXXX, XXXX  regarding re financing our home because the house was in foreclosure. We received a letter from BOA, stating we were eligible for assistance and an application would be sent out. We received the application, completed it and mail to them with requested info. I called BOA to see if application was received and it was. The next week I called to find out status and more info was requested. I faxed the info to them. I called to see if they received it and it was received. While waiting for letter regarding the status of application a letter was taped on our door XX/XX/2018, stating we had to vacate house within 3 days because the house was sold in an auction. We were very devastated. I call the acct manager and she told the house wasn't sold, I told her about the notice we received. The manager told me I needed to speak to the foreclosure department. She transferred me to them and I was told I needed to speak to the acct manager, I call acct manager back and she told me to call foreclosure attorney. I called the attorney and was told they only do paperwork for BOA and to call the acct manager back. They were all passing the buck causing the ball to be dropped. No one assisted me. I need to know why. We purchased home in XXXX and fell on hard times throughout the years. We reached out to Bank of America for help to keep our home and we were deceived and misleaded by Bank of America. Thank you for looking into this complaint and let us know our rights regarding this matter. If you need additional information, please call me at XXXX. 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 explanation
Consumer complaint received 2022-09-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Faiir Credit Reporting Act. Everything has to be 100 % accurate on my credit reports.The credit bureaus stated my account was properly investigated but as you see it is not and still reports inaccurately. Remarks are in accurate. Last day of activity is inaccurate on all three bureau reports. Payment history is inaccurate. Address is different on all three bureau reports. My privacy may have been violated as well with all three passing information around without my knowledge of it and where placed on my resports without my knowledge. None of the debts have been violated from the bureau as I requested on my letters. This also may be a violation as well.

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 2022-09-12 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: VA

Complaint narrative:
The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date reported is inaccurate.this is grounds for removal. They also violate my rights under 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 : 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 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/22 check # XXXX was made payable to XXXX XXXX XXXX, XXXX for XXXX for our monthly rent payment. This check was mailed on XX/XX/22 to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, WI XXXX from our office building drop in locked was mail box. I received an email from XXXX XXXX asking/stating they had not received payment. We looked in the business online bank account and saw that a check was cashed on XX/XX/22. Digging further, we pulled up an image of the cancelled check and saw that the check had a different payee ( XXXX XXXX ) with a New Jersey address. The date of the check, the dollar amount and signature were the same as the original check. We decided to contact our bank representative as this was clearly fraud. We contacted him on XX/XX/22 and he notified us to contact the fraud department. We immediately contacted them and they emailed an affidavit to complete. This was completed and returned to them via email on XX/XX/22 and then were given a case number. We also contacted our local police department and filed a victim statement of fraud. The detectives research found that the fraudulent check was deposited at a XXXX XXXXXXXX XXXX in XXXX, NJ. The detective shared his findings with PNC bank. We have been told by PNC bank that this is a counterfeit check, however PNC entered it as an altered check and this may be why it was held up. She admitted that the bank made the error. This was on XX/XX/22. That day we then filed a complaint with the OCC. A PNC bank representative called the office the next day and twice since then to only tell us that they are still investigating the issue. This has been ongoing since XX/XX/22, more than enough time to have investigating the issue as the police detective got a confirmation of check fraud within weeks. 6 months of receiving the same answer from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: NC

Complaint narrative:
I have two loans that went into repayment with XXXX XXXX, XXXX. I contacted the company to request a forbearance for both loans. I was granted a forbearance for both loans. I received an emailed letter from XXXX XXXX, XXXX stating that the forbearance/postponement date for loan ending with XXXX begins on XX/XX/XXXX and ends on XX/XX/XXXX, with the next payment date due on XX/XX/XXXX. The second loan ending with XXXX stated that the forbearance/postponement date begins on XX/XX/XXXX and ends on XX/XX/XXXX, with the next payment date due on XX/XX/XXXX. However, when I checked my credit report, it had a negative mark for a late payment even thought I was granted a forbearance/postponement for the dates/periods stated above. I contacted XXXX XXXX XXXXXXXX and was told that they are not able to remove the negative reporting, but I can dispute it with the credit bureaus.

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 2022-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Company applied funds that were for monthly mortgage payment incorrectly Want copies of email and all phone records Company is lying did not resolve and wont send information I am requesting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Tried to get information in regards to the investor on my mortgage which is in deed XXXX XXXX. Once gave them information my account is not being pulled up. My social security and last name are being used with them for a different account that I am not part of. They said they will look into and have no reached back out to me. At first they stated they are not the investor in my mortgage. So they can not approve nor deny any refinance or loan issues. Then once given social security number again they state they cant find by first name only social and last name, that the first name they have on file is someone totally different that is using my social. They are not helping resolve this issue. Because of them I could not remodify my home loan and am on the verge of losing my home.

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 2022-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The account is showing open. I made 100 % of payments. Loan paid in full. Received car title and letter stating loan was paid in full. Also stating it was paid inside of a XXXX XXXX plan. I had a XXXX XXXX plan but payments were made outside of plan. The account has been closed for 1 year but doesn't reflect on credit report all payments on time.

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 2022-09-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have previously disputed this item with Experian and XXXX and I verified the item as accurate I have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to me or any credit bureaus for that Matter, Therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611I ( 15 U.S.C. 1681 ) and the information must be deleted 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 explanation
Consumer complaint received 2022-09-12 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:
Credit inquiries that I did not authorize please delete them. I have been complaining about unauthorized credit inquiries for awhile now. Please see the 2 credit inquiries that area high lighted in yellow in the attachments they are the 2 that are unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We are a small business that regularly makes check payments in large sums via Chase 's Bill Pay feature. 

We have a Bill Pay thats been stuck as pending review since XX/XX/XXXX for {$30000.00} that was supposed to have been sent on XX/XX/2022. 

We never got a text or call from Chase about there being an issue, and only discovered that it was in " pending review '' status a couple of weeks after it was supposed to have been sent. 

We have since spoken with various departments at Chase for at least 4 times, for multiple calls lasting 2 hours or more in aggregate. 

In short, various Chase departments claim they can not approve nor cancel the transaction, which means we can't even get our money back. What's worse, they continuously transfer our attempts to call back and forth between departments that tell us they can't do anything, but to try the other department. Meanwhile, we have no way of accessing our funds, and our recipient has not received their payment for approximately 3 weeks by this point. 
At this point, we've spoken with the Chase Fraud Prevention Department, the Electronic Money Movement Department, the Claims Online Department, regular customer service, the Secure Message feature when logged into, all of whom claim they can't do anything, and to speak to one of the aforementioned departments who will then say the same thing. At this point, it's clear they either have a serious glitch in their system with no way to resolve this, or they are intentionally keeping a significant sum from us with no recourse for us to retrieve our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Venmo ( synchrony bank ) card has closed my account numerous times with no cause. The first time, I had to go to lengths to find someone in their corporate office that was willing to fix the account and admitted to an error. A year later, I set up my normal payment and realized the account number had changed on my checking account. I called to cancel and they still sent the payment through. Today I was alerted the account is closed, again. I called and was told because of the first issue ( when the account opened ) and the current mistake it's closed again. Problem is, it's on their side of things. Not mine.

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 2022-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient is attempting to reach out to me to repay my student loan, even though the freeze on student loan payments runs through the end of the year. Navient is well known for predatory practices, and this is just another report of predatory collection practices in an attempt to circumvent the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion allowing u authorized credit inquiries. There is a lot of people pulling my credit report authorized and I have been complaining for awhile.

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 2022-09-12 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: Chime Financial Inc
State: NH

Complaint narrative:
On XXXX XX/XX/2022 i gotten a text notification from chime that XXXX store was trying to get XXXX from my checking card but it was canceled due to insufflate funds. I didn't recall that so i called chime to inform them. spoke to XXXX from chimeXXXX pm on that set date above. I canceled that card ( checking ) on above date and time with set agent XXXX shortly later i gotten notification via chime of my new temp ending in ( XXXX ) you wont see it on new temp card because it was paid for from a canceled card with insufficient funds card ended in ( XXXX ) Just short of XXXX hours later chime authorized a transition against my authority. Without my consent i do not have XXXX me nor overdraft. Chime paid out XXXX on a canceled card with insufficient funds ending in ( XXXX } that has been canceled due to a declined charge of XXXX. I disputed it with the dispute dept where the dispute department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Freedom Mortgage has my account as discharged through a XXXX XXXX and derogatory in the comment section. I sold my house and paid the mortgage in full in XX/XX/2021. I paid all payments outside of the XXXX XXXX plan. There was a payment included in the XXXX XXXX. I also made that payment outside of the plan and Freedom Mortgage receive that payment through the plan too. I spoke to Freedom Mortgage representatives they stated that they can report it discharged through the XXXX  XXXX even though the mortgage was paid through a real estate sale.

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 2022-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: NY

Complaint narrative:
Charging fees for late payments when an automated payment failed for no reason. Money was available in the account they were drafting from and a PDF Print Out from my bank showed the available balance and their fee. They continue to claim they don't see the money being charged against me and can't explain the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I have sent Experian two letters to dispute 2 accounts that they have reported inaccurately. The first was sent XX/XX/22, the follow up was sent XXXX It is now XXXX and I still have not received a response, nor have they corrected these two accounts. 

They are reporting inaccurate payment statuses on both accounts. 
XXXXf- is a closed and paid in full account- they are reporting the payment status os " late 60 days '' which is not accurate- The payment status is to be the CURRENT payment status. Ive asked them to correct this to show Current of paid as agreed. the two year history that is older than two years old needs to be removed also. 

XXXX XXXX is a closed and paid in full account- they are reporting the payment status os " late 30 days '' which is not accurate- The payment status is to be the CURRENT payment status. Ive asked them to correct this to show Current of paid as agreed. the two year history that is older than two years old needs to be removed also. 


Ive included both letters sent as well as a copy of my credit report for both accounts.

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