vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CADENCE BANK
State: TX

Complaint narrative:
I paid my credit card bill in full before the due date, and upon using my card it was declined. I called my credit card company and I was inform my card was returned which caused my account to be closed. I informed the representative that I never returned my card and Im attempting to use it as of XX/XX/2022. They credit card company informed me that she does not know what happened and state to give it 24 hours and they will reactivated my account. However the credit card company report to the credit Bureau XXXX and XXXX that my account was closed with a remaining balance. Which impacted my score Negatively by XXXX points. I reached out to the Credit bureaus and was informed to reach out to the reporting creditor to resolve issue. I did what was Instructed. And when I called my credit card company ( Bancorp South ) they informed me there is nothing they can do and I need to contact the Credit bureau. I was never told I will have this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Sensible Auto Lending, LLC
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 USC 1681 Section 602 States I have a 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 my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
The XXXX XXXX XXXXXXXX XXXX XXXX  I have called XXXX  times since XX/XX/2022. XXXX XXXX switched banks in XX/XX/2022 and as a result they removed my autopay which I had always used. When I realized it I immediately paid the bill in full on XX/XX/XXXXXXXX XXXX. XXXX XXXX XXXX said they would remove interest and late fee. I had called on XX/XX/XXXX, XX/XX/XXXX. Each time told fees and interest would be removed. Called today, XX/XX/2022 spoke to XXXX XXXX XXXX XXXX XXXX 

XXXX stated that the XXXX XXXX error is because they credited the old account ending in XXXX not the new one ending in XXXX. As a result of XXXX XXXXXXXX 's error, I have received XXXX  phone calls early in the morning and late in the evening for XXXX in which no one wanted to help me they only wanted me to pay the bill which was made up of only late fees and interest.. 

My XXXX XXXX with all XXXX agencies has gone down over XXXX points. 
I have had to make countless calls to XXXX XXXX and have spent over XXXX XXXX on the phone. Presently, I have been on the phone over XXXX XXXX XXXX XXXX with XXXX XXXX. 

I need IMMEDATELY FOR XXXX XXXX TO CONTACT THE XXXX XXXX  and remove their errors XXXX. I AM TOLD I HAVE TO WAIT UNTI XX/XX/XXXX for XXXX XXXX TO contact the XXXX XXXX. I WANT MY CREDIT REPORT UPDATED XXXX. I SHOULD NOT HAVE TO WAIT. THEY ARE RUINING MY CREDIT BECAUSE OF THEIR MULTIPLE ERRORS. I WANT MY XXXX XXXX RETURNED TO MY SCORE PRIOR TO OLD XXXX NOT FIXING THIS AND ALLOWING MY XXXX XXXX TO BE AFFECTED!

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 2022-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Hi, I recently had a lot of issues with my Wells Fargo bank checking account and credit card. 

I had a fraudulent wire transfer transaction on XX/XX/2022 for {$10000.00} from the checking account. Money was transferred from the credit card to the checking account and then wire transferred to someone else 's bank account. I did not initiate any of these transactions. 

I filed a claim and put dispute request for the money with Wells Fargo. Wells Fargo believed that my old mobile phone number was compromised and asked me to get a proof letter from my old phone XXXX XXXX. I switched my phone company to XXXX in XXXX of 2022 and haven't used that mobile number ever since then. I couldn't understand why I still had anything to do with the number. 
I sent Wells Fargo my last bill statement from the XXXX with XXXX balance for supporting document. It also shown that my number was cancelled since XX/XX/2022. About a month later, I received a rejection letter from Wells Fargo. 

Wells Fargo stated that I am still responsible for the mobile number that was used for those transactions and they will not return the fund to my account since there were no fund available. 

I requested to re open this case and I am still waiting for Wells Fargo 's response. 

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 monetary relief
Consumer complaint received 2022-12-03 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: TX

Complaint narrative:
In accordance with the fair credit recovery act XXXX  account has violated my rights, # XXXX, 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 cannat-furnish a account without my written instructions.

186 15 USC 1666B : A creditor may not treat a payment on a credit card account under c.n open end consumer credit plan as late fore purpose.

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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 2022-12-03 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Fraudulent charges were made on my Citibank credit card on XXXX XX/XX/14 of this year. I was out of town at the time over 100 miles away and did not make the charges. The credit card was locked in a drawer downstairs. Citibank refused to refund the charges after the dispute because the charge was made in person in my city, and ghosted me after I submitted ( both via mail and email ) a dispute to the resolution of the case. Attached relevant statement. I can also provide evidence I was not anywhere near home when the charges occurred.

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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have late fees that is affecting my credit lowering my score. I have unpaid cell phone bill as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts have violated my rights by posting my personal matters in public for everyone to observe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXX  XXXX XXXX15 USC 1681 section 602 States I have the right to privacy * 15 USC 1681 section 604 A section 2 it states that a consumer reporting agency can not furnish a account without my written consent instructions which I have not done so *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 These companies along with Credit Bureau have knowingly violated my rights and I will be force to take legal action if this continues

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 2022-12-03 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: National Credit Systems,Inc.
State: MS

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: VA

Complaint narrative:
I'm a former XXXX XXXX customer, now that they are closed and filing for bankruptcy. I contacted Sunlight Financial because they facilitated our solar loan through XXXX XXXX for XXXX XXXX. I described my issues, such as install problems, property damaged and stolen property, items not installed that were in my contract and my system install not what was purchased in my contract, rebate check never received, XXXX XXXX for a reimbursement that i never received and the list goes on. Sunlight is giving me the run around as well as XXXX XXXX, they do not want to take responsibility for their part in this scam and even go as far to tell me that the items i listed weren't in my contract. 

I have documented everything, emails, text, calls and complaints. I have been fighting back and forth for XXXX even before XXXX went belly up. I have literally had to babysit the entire project from beginning to end just to get it operational, argue along the way about my list of complaints only to get nowhere. 

Last XXXX  I sent Sunlight and XXXX XXXX the XXXX XXXX 's letter that requested the loan companies to suspend the loan payments to customers due to the court filing and the current investigation by XXXX other XXXX XXXX 's. I have not heard a word back and I doubt that I will, I have sat on calls for XXXX waiting for a representative to answer, transfer me over and over or just hang up on me. 

I feel that I can in fact prove breech of contract with the documents and information that I have on the part of not only XXXX XXXX but Sunlight Financial XXXX XXXX XXXXXXXX. The XXXX attachments, # XXXX is the first page of my contract with XXXX XXXX and Sunlight Financial, the system size is XXXX, the # XXXX is the application from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on my property. 

Last attachment is from another company that I had receive and estimate for solar prior to speaking to XXXX XXXX. Their system is XXXX less but XXXX system, XXXX XXXX with Sunlight Financial and XXXX XXXX are ripin people off. 

I'm willing to provide any and all the information that i have if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I consider Citibank engaging in XXXX XXXX and fraud due to my XXXX XXXX  and my XXXX and this violates the my XXXX XXXX XXXX XXXX as an XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I also accuse Citibank of denying me benefits ordered by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just had XXXX and go back to work in XXXX XXXX. I asked Citibank for all XXXX cards for payment delay till XXXX. 

XXXX. I asked Citibank for a payment delay due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Order requesting all financial services companies give the victims a XXXX XXXX window to recover and not be charged late fees and start payments in XXXX. 
attached is the Order XXXX signed on XXXXXXXX XXXX XXXX XXXX XXXX XXXX signed XXXX XXXX XXXX XXXXXXXX XXXXXXXX requesting similar disaster courtesy due to XXXX and to allow victims to delay their payments to financial institutions for a limited time. attached Order. 

4. I have a Goodyear credit card # XXXX serviced by Citibank. I called them and asked for the XXXX XXXX delay and waiver of my late fees. They said there is no XXXX XXXX notice anywhere. So I know they are lying because they admitted they provided this courtesy to all of the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

5. I have two Home Depot CC ending in XXXX and XXXX also serviced by Citibank. and asked for similar abatement for XXXX XXXX, They said there is no XXXX order stating there is a disaster! 

6. I have a Brand Source CC with XXXX balance on it that I tried to use to buy a stove and frig for our home. Citibank serviced that card and stated that they closed it because I waited too long to use it. This is an emergency and there is no reason to close this account that I maintained for many XXXX  and paid off promptly.

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 2022-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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

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 2022-12-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX Account last XXXX digit # 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 2022-12-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX Account last XXXX digit # 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 explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Camino Financial Inc.
State: SC

Complaint narrative:
Received a business loan from Camino financial on XX/XX/2022 for {$14000.00} XXXX and was told that payments will be reported to XXXX XXXX to help build business credit. Its been XXXX XXXX and they havent reported anything. I tried contacting them through phone and was hung up on. I also emailed and no response and also was blocked from the complaint email. I think it unfair to advertise services and dont offer the service just to hold businesses back. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
In XXXX the man XXXX XXXX took a deposit from me on Cashapp. This was for an apartment. After a while they had sent me back a fraudulent check and the bank disposed of it. As of XX/XX/XXXX Ive attempted to work with Cashapp to get my money back and to help we with the scammer that still has an account on their app. They will not help in any regard. I want to file a police report as well to at least get this handled and Cashapp is seemingly protecting this individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( XXXX ) : XXXX XXXX XXXX XXXXcct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Type Open Account Loan Type XXXX XXXX  Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX  Past Due {$950.00} Pay Status >Collection<

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint over the changing of the terms of my loan following Mr. Cooper purchasing the loan in XX/XX/2022. My loan was serviced by XXXX XXXX almost 2 years until XX/XX/2022. In XXXX of 2022 XXXX XXXX removed PMI from my loan. When I received the escrow analysis completed by XXXX XXXX in XX/XX/2022, I called to inquire, and they stated to me that PMI was being removed due to the loan/value ratio and the substantial appreciation during the pandemic. 

When Mr. Cooper purchased my loan, I called in XX/XX/2022 and spoke to a Mr. Cooper representative and was informed verbally that there would be no PMI on the loan. It has recently been verified for me by a Mr. Cooper representative that there are internal notes documenting that conversation. I recently learned that Mr. Cooper staff later changed their minds and decided to add PMI back to my loan in XX/XX/2022. I have been charged 12 payments of PMI since XX/XX/2022 out of my escrow account. 

This changing of the terms of my loan after it was purchased is unacceptable!

Company response to consumer: Closed with explanation