vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXXyncrony bank Sams Club card, the expose my information such as my address, phone number and social security number

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have requested many times that these 2 accounts have been reported for over 7 years now and they are still on my credit file, Experian has wrong information provided to them as the other 2 credit reporting agencies have deleted these items already. also I have a collection for one of these accounts on my Experian credit file scheduled to be deleted by XX/XX/XXXX. so the fact that the the original account is still showing on my file doesn't make sense as they should both only be on my credit file by law 7 years from the original date of first delinquency, but according to Experian the collection account will fall off by XX/XX/XXXX and the original account wont come off until XXXX of XXXX that doesnt make sense at all so there is something wrong and misreported on my file in which they need to be removed, but Experian continues to say these accounts are verified time after time. 

the accounts in question are XXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX as stated before the XXXX XXXX XXXX account has a collection account scheduled to be deleted by XX/XX/XXXX while the original account will still show on my credit 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 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I received a phone call from someone claiming to be from Santander Bank stating my account had been compromised. I was then sent a one time passcode from a text message while on the phone with this person. After being told my account has been locked and I will be sent a new card, the call ended. 
After the call ended, I received an email from XXXX ( partner with Santander Bank ) stating my account information had been changed and to immediately contact Santander fraud if this was not the case. Before contacting the fraud department, I checked my bank account to see that all three accounts ( a savings account, my XXXX year old daughters checking account in which I am the guardian of, and my checking account ) had been cleared of all money. I further went into the XXXX feature through the app in which I saw a {$2500.00} transaction was completed in addition to a {$950.00} transaction to two different illegitimate emails, similar to my own. A total of {$3400.00} was taken from my accounts leaving me with {$0.00}. 
An immediate initial claim was filed on XX/XX/XXXX which was denied about a week later for inconsistencies. A second claim was filed on XX/XX/XXXX and again denied claiming inconsistencies. No further information was given.

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 2023-11-30 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: NY

Complaint narrative:
SINCE XXXX OF 2023 I HAVE BEEN DISPUTING SEVERAL INACCURACIES ON MY CREDIT REPORT I HAVE BEEN GAINING NO PROGRESS JUST THE SAME EXACT GENERIC RESPONSE " ITEM VERIFIED '' I HAVE ASKED FOR WELL OVER 90 DAYS FOR THE METHOD OF VERIFICATION FOR THESE BLATANT ERRORS ON MY REPORT TO NO REPLY THIS IS COMPLETELY UNACCEPTABLE ATTACHED IS THE MOST RECENT DISPUTE LETTERS AND COVER LETTERS

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 2023-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have been trying to make mortgage payment with Loancare servicing for several days and not able to do so due to massive breach in the system. I have not been updated and still waiting update to make payment and make sure mortgage is not late and current.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: UT

Complaint narrative:
Ive been trying to close my account for months with Revi Card. They continue to charge fees and will not close my account. 
On XX/XX/23 I called and requested the account be closed then XXXX refunded me money back to that account afterwards in the amount of XXXX on XX/XX/23. Ive literally spent HOURS on the phone with them trying to get my account closed and they will not close it and they continue charging my account a monthly service fee. 

Also I spent 1 hour and nine minutes in XXXX on the phone with a supervisor named XXXX who said the issue was resolved and they mailed me a check, yet I havent received it and they continue to charge fees to my account and keep telling me its closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: NM

Complaint narrative:
In XXXX  of XXXX, I had XXXX credit cards from XXXX XXXX After XXXX payments, I missed XXXX payments and they called to ask me about them. The man was very rude and pushy, so I told him how I felt about getting called XXXX times a day. He said something to the effect of " XXXX XXXX XXXX XXXX XXXXXXXX '' and hung up. After that, my XXXX XXXX dropped from XXXX to XXXX. XXXX. And I was listed by Experian as deceased. Since then, I have been unable to get any additional cards, or loans, or even utilities in my home. I've lived for XXXX years now off batteries and in the cold. It has costed me XXXX XXXX XXXX XXXX XXXX. I have disputed this numerous times and they just confirm that I am dead every time. I've called. I've begged. I've talked with the lender. Everybody just sends me to someone else to fix it. Meanwhile my home is still dark and so, so cold. It's been XXXX  multiple times because it appears abandoned and my security system requires an electrical connection to work. I was XXXX XXXX XXXX in my own living room a month ago, as I walked in in the dark. At what point do they have to correct this? XXXX bitter lender shouldnt be able to just destroy my life like they have, and yet he did, and nobody will do anything to help me. I don't know who else to talk to or what to do, but I am desperate. Tonight it will be XXXX degrees, and I have no heat or even flashlights with batteries because try getting a loan or credit card or passing a job background check when everybody first goes to Experian and they say I have XXXX credit history and am dead. 25 years of building my credit just thrown away on the whim of some XXXX across the world that I couldn't even understand as he harassed me over {$35.00} a dozen times a day. This cant be legal, and sure the XXXX isn't right. Please help me!

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 2023-11-30 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: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XX/XX/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 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 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened a chase bank account. I pay for overdraft fee and usually keep my balance above limit. I had XXXX over drafts paid for at XXXX cents. CHase closed my account. I called Chase to ask why my account was closed. They said it was overdraft and closed I couldn't open an account with Chase again. I asked why what did I do and they said they would send a letter. Chase has not answered my question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
The company is threatening to do an initial credit reporting of a medical account PRIOR to sending me the required validation notice. They are refusing to allow me the required time that a consumer legally has to dispute the debt or any portion thereof. This came directly from a manager. She was upset about me bringing up my rights and immediately stated that they were going to report to initiate credit reporting because I am disputing the debt.

Also, one of the supervisors was trying to bully me into paying my boyfriend 's debt. He has 3 or 4 accounts in their office. I refused. She violated his HIPAA rights and also violated the FDCPA regarding third-party disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My student loan is being reported by two different loan companies that are reflecting identical amounts. The amounts are causing the balance of my student loan debt to double, which has negatively impacted my credit score tremendously. I understand XXXX is the new company to report the debt, however Aidvantage is still showing debt amounts. I am pleading for XXXX to reflect the correct balance in my student loan debt. Please remove the duplicated amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient Corporation, The purpose of this is to communicate the extreme financial hardship I endure over a XXXX  XXXXXXXX timeline, as part of my student loan experience. What I had hoped for, was an associates degree in computer programming, but the outcome was the opposite. My loan originated on XX/XX/XXXX in the amount of {$10000.00}, issued from Sallie Mae Corporation. The original federal loan allowed me to attend the former XXXX XXXX XXXX. Due to a lack of money for rent and food, I was only able to complete less than a year of school. I was forced to move back home, to work full time. Over the course of 19 years, my immediate family members were often helping me with my loan payments. I did not have any positive experiences repaying my loan. Deferred payments, harassing phone calls, late fees, forbearance and a non-existent income- based repayment plan were all very discouraging. Overall it didnt appear that anyone from the Navient Corporation had my best interest in mind. My loan history documentation will confirm the financial distress to which I am referring. By the end of XXXX, my loan balance was still XXXX. I was able to reach a settlement with Navient for XXXX with the help of a family member. The settlement date was XX/XX/XXXX. In total, I repaid Navient XXXX. Along with the above mentioned, my credit score was severely damaged and continues to be to this day. I reached out to Navient in XX/XX/XXXX, for discussion regarding the federal lawsuit against the corporation. The response I was given was, since my account was settled, they had nothing further to discuss. I have been a public service employee for XXXX years in XXXX XXXX XXXX XXXX XXXX XXXX Ive been with my current employer for XXXX years. I can provide previous employment history upon request. The wages I earned did not provide me with enough money to support myself and repay my Navient loan. It is my understanding, that my employment history along with negative student loan experiences, would qualify for loan repayment in the full amount of {$27000.00}, as well as resolution to the above stated hardship. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023, I deposited a check into my US Bank business checking account in the sum of {$350000.00}. I did this in person to make sure I would get the appropriate check hold information. After I was told there would be NO hold on the check, I confirmed that information with the teller before I left, just to make sure. The following day, I confirmed online that the funds had cleared and were available in my business account. As a result, I made online payments via my business credit card websites. I also wrote myself a check in the amount of {$150000.00}. Because this was a large amount, my husband drove to the bank and deposited it in person into our personal checking account. When he specifically asked about a hold, he was told there was NO hold. When the funds were available in our personal account the following day, I wrote ( and mailed ) checks to the IRS, the XXXX, and our roofer for our building in XXXX XXXX ; I also made online payments via credit card websites, XXXX XXXX XXXX ( property taxes ), etc. However, later that day, I received notices that our accounts had significant negative balances. When I checked our accounts online, the funds that had already been made available via the {$350000.00} business deposit and the {$150000.00} personal deposit had actually been DEDUCTED from our accounts. When I called US Bank, I was told that they had placed a 10-day hold on the {$350000.00} check sometime AFTER the funds had been made available in our accounts. Because of this, we have had NO access to ANY money and payments are bouncing.

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 2023-11-30 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: TX

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XX/XX/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 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 2023-11-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 explanation
Consumer complaint received 2023-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-30 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: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 2023-11-30 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: TX

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-11-30 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: MOHELA
State: CA

Complaint narrative:
On XX/XX/23, I received an Auto Debit Withdrawal Confirmation message from MOHELA. The message stated that an automatic payment of {$360.00} would be withdrawn from my checking account on XX/XX/23. Today, XX/XX/23, I checked my bank account and the money has not been withdrawn. I checked the MOHELA website and there is no record of any payment. I am scared of defaulting on my loans which are now under repayment since their administrative forbearances have expired. 

They should have originally taken my automatic payment at some point in XXXX, but they never even sent me a bill, much less take the payment. After 2 months of calling and emailing them, they finally sent me the Auto Debit Withdrawal Confirmation, but they still clearly haven't gotten organized enough to follow through. I'm tired of worrying about this issue. Before COVID, I was on auto-pay and there was never any issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation