vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: CA

Complaint narrative:
NOVAD Management Consulting is the servicer for my FHA-insured Home Equity Conversion Mortgage ( HECM ) reverse mortgage that has been assigned to HUD. NOVAD stopped sending me Monthly Statements beginning XX/XX/XXXX thru present date without explanation. For a year and a half the servicer has left me in the dark about my own mortgage. My inquiries were never answered. NOVAD is unreachable by phone & do not reply or respond to my mailed written correspondence. All questions are ignored & left unanswered. I requested the backlog of missing monthly statements & they refuse to provide telling me my HECM went into default back in XX/XX/XXXX and statements are withheld until the default is cured. That is absurd. I was never notified regarding any default. I dispute the amount NOVD is requesting & asked for an itemized accounting. They have refused that request too telling me I should ask somebody else. I discovered an unexplained charge on a statement, they refuse to identify it. NOVAD is not qualified to be a mortgage servicer for HUD. in XX/XX/XXXX the state of Nevada served NOVAD with a Cease & Desist Order for mortgage servicing without a license. There are numerous complaints about NOVAD on the internet. Get me my missing statements please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-08-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-08-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-08-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXe {$2000.00} XXXX XXXX XXXX XXXX XXXX$94.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX is on there also and its alot of inquire on my credit report that are unauthorized by me i have no knowledge

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 2022-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are hard inquires on my report I did not authorize. I have not and did not request to do business with the companies listed below. I have contacted the companies they referred by to follow up the the credit bureaus stating they are unable to do anything. I have contacted Transunion several times requesting these hard inquiries to be removed they have failed to remove. Transunion has ignored my requests. I'm requesting deletion of hard inquiries they were NOT authorized and should not be listed on my credit report 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 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Incorrect Personal information.

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 2022-08-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/LOWES, Account number XXXX, Charge Card, Closed & charged off. {$5.00}, XXXX written off, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, FL XXXX SYNCB/PPC ( paypal ), Account number XXXX, Credit card, Closed & charged off, {$3700.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, FL XXXX Both charges from Synchrony on my credit report are not mine : Called Synchrony and the agent sees BOTH accounts and directs me back to Paypal and Lowes credit XXXX 

2 letters to address asking for verification of statement this year gone out. No Reply SYNCB/PPC, called fraud, and they direct me back to Synchrony Bank . Synchrony Bank says, no work with PayPal. 
SYNCB/LOWES, the supervisor took documents of my address and promised to remove send forth letters out to credit agencies and myself. That was 8 weeks ago. Called yesterday, no record of this.

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 2022-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My prior mortgage service XXXX sold our loan to Mr. Cooper. We have asked multiple times to change our payment date from the XXXX to the XXXX to best align with our pay cycle and were told no, but as long as its in receipt by the XXXX its within grace. So we have paid on the XXXX of the month. Every month we are receiving reminder calls and this past month they called daily, even twice a day about the payment even after it was scheduled for the XXXX on their online payment portal. This is XXXX inducing and an inappropriate collection practice, especially when the payment is already set up to be pulled from my account through their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX cards is on there also and its alot of inquire on my credit report that are unauthorized by me i have no knowledge

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 2022-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX cards is on there also and its alot of inquire on my credit report that are unauthorized by me i have no knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. 
XXXX XXXX  account # XXXX have 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

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 2022-08-27 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
All hard inquiries were not approved by me. Were not authorized by me. There are multiple hard inquiries on my credit that I did not approve. I have not applied for nor have I requested any type of credit card, loan, anything having to do with my credit or Social Security card. I found out that a car dealership decided to run my credit multiple times when I already had a lender approved and specifically asked to use the same lender that I have been working with for three years and making payments to her three years. When it was time to renew my lease the dealership without my knowledge ran my credit multiple times and I still ended up with the same lender. Per my request. The dealership acknowledged that I did not authorize them to do such and stated to file a complaint with the consumer finance department as they were unable to remove the heart inquiry themselves. I did try to resolve this with the dealership and they were unable to remove the hard increase. This is affecting my credit score greatly. I have been working very diligently to approve my credit and refuse to allow anyone to run my credit or social for any reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX have 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

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 2022-08-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. 
XXXX XXXX  account # XXXX have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was trying to buy concert tickets from a girl and she never sent the tickets after I sent her the money. I called XXXX and Zelle and was told I will not get my money back because they do not offer those protections against scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not give consent for all these companies to make inquires on my credit report. I have disputed with the credit bureaus with no assistance. I have been a victim of identity theft and have filed appropriate documents as well. 

This includes all some have multiple entries. 

XXXX dba XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 2022-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not give consent for all these companies to make inquires on my credit report. I have disputed with the credit bureaus with no assistance. I have been a victim of identity theft and have filed appropriate documents as well. 

This includes all some have multiple entries. 

XXXX dba XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX, XXXXXXXX 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 2022-08-27 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: NC

Complaint narrative:
I did not give consent for all these companies to make inquires on my credit report. I have disputed with the credit bureaus with no assistance. I have been a victim of identity theft and have filed appropriate documents as well. 

This includes all some have multiple entries. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Revolut Technologies Inc.
State: IL

Complaint narrative:
Revolut has continually blocked my access to funds, first via using my debit card, then by preventing me from selling cryptocurrency and now by locking the account in full. They have not provided any of the services that they advertise for their metal plan and prevent users from leaving their scam of a bank unless they pay more while they have their funds locked at this XXXX XXXX XXXX XXXX XXXX XXXX 

Both XXXX and Revolut need to be investigated for fraud and financing foreign affairs. This is not an isolated incident. US citizens are having their assets locked away by Revolut and are having to continue to pay the monthly fee to keep open the account that Revolut is holding money hostage in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: OneMain Finance Corporation
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Under Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1. I am request you remove this item immediately. XXXX XXXX XXXX XXXXXXXX XXXX account number : XXXX. This account is being reported illegally. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to an0ther entity ( Debt Buyer )

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 2022-08-27 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: LEXISNEXIS
State: TX

Complaint narrative:
In accordance to FCRA lexisnexis is breaking the law improperly misuse of credit report account # XXXX XXXX XXXX Bankruptcy Court. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: KS

Complaint narrative:
Under Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1. I am request you remove this item immediately. XXXX XXXX XXXX XXXXXXXX XXXX account number : XXXX. This account is being reported illegally. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to an0ther entity ( Debt Buyer )

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