vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I have been unable to use my card for 4 months. It does not appear in my account nor have my automatic payments been made. I was on hold for an hour and spoke to several representatives that just kept transferring me. I filed a better business bureau complaint but have not reached anyone that will tell me what's going on. 

I would like my card reinstated for use.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am writing to complain about the services that are provided by Experian, XXXX, and XXXX. 

These are services that are supposed to be responsible for reporting my credit to potential loan providers. I do not think that they should be allowed to sell services. I am constantly receiving offers from these agencies regarding additional services that cost money. They shouldn't have their hands in any of this. We are required to use their services, they should be considered a governmental agency, and it is ridiculous that they are shoving other financial services down consumer 's throats. 

It is VERY difficult to find where to do a security freeze on Experian 's website, but is easy to find their advanced security protection services, which of course, are {$25.00} a month. It is a scam that they are allowed to do this, and if people do not pay close enough attention, they will be paying for a service that is provided for free through the security freeze option. This is not the same experience with XXXX or XXXX. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
My bank, XXXX XXXX XXXX, was acquired by Atlantic Union Bank and the transition was complete in XX/XX/XXXX. I had/have a money market account with XXXX XXXX that has been transferred to XXXX XXXX XXXX XXXX XXXX had, and still as of today has, a XXXX XXXX XXXX advertised on their website. This products terms state that if you deposit {$25000.00} from an outside bank into this money market you will receive 3.04 % APY. My money market was paying, and is still paying as of today, 0.27 % APY. On XX/XX/XXXX, I deposited a cashiers check from an outside credit union in the amount of {$26000.00} into my money market. At the time of deposit I asked if this would qualify me for the online advertised money market 3 % rate and was told it should. When my rate did not increase I reached out to the branch manager who told me she would need to speak with a supervisor about the rate, which I showed to her on the website. The supervisor at Atlantic Union told my branch manager this money market is no longer offered by the bank and was retired in XXXX despite the website saying the rates for this money market were valid as of XX/XX/XXXX. They will not honor the advertised money market and rate. I feel misled by deceptive advertising and would not have deposited these funds into my money market had I known they would not honor the product and rate advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S CODE 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal consumer rights to privacy and confidentiality under USC 1681. 
15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 Section 604a 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 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 the the information is inaccurate. 

ACCOUNT NAMES & DATES OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have sent debt verification letters to all 3 credit bureau as well as company chase XXXX. I have never received them I only got the bureaus to update and very that the company is telling the truth. In which I question because this company is reporting inaccurate payment and late payments historys on experian it say I was XXXX days past due in XXXX and XXXX as well as XXXX and XXXX in the year of XXXX. On equitable it is alleging that I was late on my payments by XXXX days in the month of XXXX and XXXX days past due in XXXX which leads me to ask exactly who is they being honest about my history to?. In XXXX, XXXX and XXXX of XXXX it is reporting to XXXX that in all 3 months I was XXXX  days past due how is that even possible, to XXXX it has no data at all available. This company has been very untruthful violating my right to an accurate and fair credit report. I asked them for my XXXX form and the copy showing the car was sold in auction and was told they can not provide that to me. This company also failed to update the charge off balance in which they sold this vehicle for over {$2400.00} before charging this account off dropping the original charge off balance of {$7700.00} I would like for this to be removed off my credit report as it is untruthful, inaccurate and damaging to my credit and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent debt verification letters to all 3 credit bureau as well as company XXXX XXXX. I have never received them I only got the bureaus to update and very that the company is telling the truth. In which I question because this company is reporting inaccurate payment and late payments historys on experian it say I was XXXX days past due in XXXX and XXXX as well as XXXX and XXXX in the year of XXXX. On equitable it is alleging that I was late on my payments by XXXX days in the month of XXXX and XXXX  days past due in XXXX which leads me to ask exactly who is they being honest about my history to?. In XXXX, XXXX and XXXX of XXXX it is reporting to XXXX that in all 3 months I was XXXX days past due how is that even possible, to equifax it has no data at all available. This company has been very untruthful violating my right to an accurate and fair credit report. I asked them for my XXXX form and the copy showing the car was sold in auction and was told they can not provide that to me. This company also failed to update the charge off balance in which they sold this vehicle for over {$2400.00} before charging this account off dropping the original charge off balance of {$7700.00} I would like for this to be removed off my credit report as it is untruthful, inaccurate and damaging to my credit and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/XXXX, I received my TJX/Synchrony Bank Statement in the mail and immediately wrote a check and mailed it to the address on the statement. They are claiming that since they received on the XXXX that i was to pay late fees of {$27.00}, and as a result of being late I also had to pay 34.5 % interest amounting to {$62.00} on the outstanding balance for those three days between the XXXX due date and the XX/XX/XXXX date they claim to have received the payment of. They state that they are not responsible for any mail delivery issues and that I am expected to pay the penalty and interest because I didn't make the payment in advance of the XXXX due date. How can I pay it any faster than the day I receive their statement? 

Today I received my XXXX statement of {$1300.00}, and knowing they want it paid by XXXX, I had to call in and do a draft from my checking account in order to be certain the payment arrives in time or I will face additional late fees and interest. 

On a side note, what is the CFPB have to say about the fact that their statements are arriving late arriving to me which causes the time window to receive a timely payment made to them arrive later and now they impose late fees and interest? due to the post office deliveries being late, and I am supposed to adapt my schedule and method of payments? This seems like an unfair situation for a consumer as we do everything correct, and end up paying almost an additional {$100.00} on a 1 month bill. 

Furthermore, they are trying to force us into doing on line banking and having experience where my identity was stolen and it took months to straighten out, do not do any financial transactions over email.

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 2024-06-25 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-06-25 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: FL

Complaint narrative:
The accounts listed below are charge off and/or closed accounts that are continuously updating inaccurate information each month. A charge off account should NOT have any active payment history. The information reported falsely manipulates the statute of limitations. 

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 U.S.C. 1681c.

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. 

ACCOUNTS # XXXX XXXX XXXX PLEASE DELETE # XXXX XXXX XXXX PLEASE DELETE # XXXX XXXX XXXX PLEASE UPDATE XXXX XXXX XXXX XXXX XXXX PLEASE DELETE # XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE

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 2024-06-25 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Money Network stole money from my account and deposited into their account. 

The first rep said she cancelled the transaction and placed my account in hold, she did not. 

The second person hung up on me when I tried to file a complaint. 

The third, 4th and 5th people refused to assist in expediting the situation. 

Stealing money has been a common occurrence for money network customers. This needs to be investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: NERD SOLUTIONS INC
State: CA

Complaint narrative:
I was contacted XX/XX/XXXX by this third-party program called new education relief that asked for fees in return to do a total loan forgiveness on my student loans. They sounded very legit. They stated that all I had to do was make four easy payments of {$160.00} and then after that for two years, I would be paying {$19.00} a month and then after the two years, my full student loan would be forgiven. I have been making payments to this program since XX/XX/XXXX. 

Now, XX/XX/XXXX, I then recently started to receive letters from ED Financial services from the department of education stating that Im going to have to resume making payments to my student loan again starting XX/XX/XXXX. So I called ED Financial services from the department of education and they told me that this third-party program ( New Education Relief ), that Im working with for the total loan forgiveness is a scam. I tried calling New Education Relief and I dont get an answer. I cant get a hold of anyone.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I recently opened this account with SoFI bank. I have been having my deposits there weekly since and everything was going well. Today my A/C went out in my home in the scorching Texas heat XXXX XXXX the technician the diagnostic fee using my debit card for this account and everything was fine. When I went to pay for the repair as well as make other transactions they were declining. I logged into the account to see a message saying my account was restricted. I havent used this account much so Im not understanding why its restricted z I spoke with the bank and they say its due to me violation the deposit agreement. I asked for them to tell me how I did this. And they didnt help. Theyve restricted my account and I cant get any of my money and Im stuck in a Scorching hot house. With a car thats stuck at the shop because I cant pay to get it. SoFi chose to restrict my account and snatch away my ability to pay my bills at the absolute wrong time. Im hoping someone can help me resolve this issue asap because Im in dire need!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I switched homeowner insurance in XX/XX/year>, my premium went from {$2900.00} to {$1300.00}. Our broker uploaded the new policy into the system for the mortgage company to update numerous times. Two months ( XXXX ) ago our mortgage went from {$1600.00} to {$2100.00}. I called to see what was going on and the agent told me that our insurance went up and our escrow was short. She gave me the website to upload the new policy into the system, which should have been updated months ago. I did that and have email confirmation myself that it was updated in the system. Nothing happened. I didn't hear from Mr.Cooper, payment didn't change. I called Mr.Cooper today to see what was going on and the new policy still wasn't updated into the system. I then had to call another number and speak to another agent who updated the policy while I was on the phone. Then I had to be transferred to another agent that said she now has to do a escrow analysis to see what my new payment will be. I am still responsible for the {$2100.00} payment. 
Mr.Cooper Policy Number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: VA

Complaint narrative:
I was reviewing my credit report and noticed that this debt collection company placed a negative tradeline on my XXXX and XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity.

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 2024-06-25 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity.

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 2024-06-25 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity Theft Affidavit. Please delete the items 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 2024-06-25 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: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Consumer Adjustment Company/Consumer Adjustment Co acct XXXX XXXX has violated my consumer rights. I know I am protected by the FCRA as a consumer. I did not give Consumer Adjustment Company my written permission or instructions to furnish this negative account on my consumer report. I have requested documentary proofs of my written consent given to Consumer Adjustment Company and no other company. 15 US Code 1681 section 602 A states that I have the right to privacy. 15 US Code 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account without my written permission or instructions. PLEASE SEE ATTACHED****

Company response to consumer: Closed with explanation