vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent activity.

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 2024-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr. Cooper Mortgage is a scam and no longer want them as a lender! I have been dealing with discrimination for a long time. They are intentionally trying to make me lose my house. HAF has recently assisted me in paying the mortgage up and Mr. Cooper intentionally kept denying my mortgage payments until I had to get a paralegal involved. They finally received my payments and adjust my loan and corrected their errors until I was notified that mortgage payments were returned back to ( HAF ) now I'm back in the same situation. I have consulted legal counsel and legal action is being taking. I have documents and proof of discrimination and witnesses from HAF to speak on my behalf about how difficult Mr. Cooper was about my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: FL

Complaint narrative:
I am writing to dispute the following items on my credit report. These items are inaccurate, and I am requesting that they be investigated and corrected or removed as soon as possible. Additionally, I request the removal of all closed accounts that are more than XXXX XXXX XXXX. 

Disputed Items : THERE ARE MULTIPLE ACCOUNTS MARKED AS CHARGE OF AND NEED TO BE DELETED AS THEY ARE MORE THAN XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX : {$560.00} Status : XXXX late payment ( XXXX  days past due ) Reason for Dispute : I have made all payments on time. This late payment is inaccurate and should be removed from my report. 
Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$490.00} Status : XXXX late payment ( XXXX  days past due ) Reason for Dispute : This late payment is incorrect as I have paid on time. Please update the status to reflect on-time payments. 
Account Name : XXXX XXXX Account Number : XXXX Balance : {$8300.00} Status : {$490.00} past due as of XX/XX/XXXX Reason for Dispute : I have made consistent payments and the past due status is incorrect. Please update this to reflect my timely payments. 
Removal of Closed Accounts XXXX XXXX XXXX XXXX : I request the removal of all closed accounts that are more than XXXX XXXX XXXX from my credit report. These accounts include but are not limited to any closed accounts prior to XXXX. 

Attached are copies of my credit report, along with documentation supporting my claims. Please conduct a thorough investigation and correct these errors promptly. 

Thank you for your attention to this matter. Please confirm receipt of this letter and inform me of the results of your investigation. 

Sincerely, 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 2024-06-23 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: GA

Complaint narrative:
XXXX XXXX, XXXX, a XXXX  party servicer, has been sending my private information to credit reporting agencies about student loans for more than a decade on individual and co-signed loans. As a XXXX  party servicer, they had no expressed permission to do so, and release all of my identifiable information ( XXXX, XXXX, name address ) to Experian, XXXX, XXXX, and XXXX especially since XXXX had a major security breach that I was involved in. They have never made it clear by whose authority they believe they have the right to release this information. 

I have called and complained to customer service that they are not suppose to release private information to credit agencies pursuant to FERPA and teh Privacy ACt of 1974. My requests have been ignored. However, I have discovered that XXXX has a history of doing this to consumers, which has resulted in legal action in the past by others. 

There actions have damaged my credit score rating and hindered my ability to conduct business and access other forms of credit.

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 2024-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I would like to delete the OneMain Financial hard inquire off the credit report because i did not authorize this company to run my credit this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: FL

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.

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 XXXX 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 2024-06-23 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: EQUIFAX, INC.
State: FL

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.

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
Neither my insurance or home taxes have changed. But the mortgage company wants to raise my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/year> I went to the local XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX where I sent {$200.00} dollars to a friend in XXXX XXXX Name : XXXX XXXX XXXX CODE : XXXX COUNTRY : XXXX XXXX went to the bank in XXXX to receive the money and was told the money was on hold then gave this Error message saying transaction can not be be received at this time have customer contact MoneyGram XXXX ( XXXX XXXX XXXX XXXX Still haven't received the money constantly being told the thing that the money was received but not by whom the money was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient Solutions , LLC, a third party servicer, has been sending my private information to credit reporting agencies about student loans for more than a decade on individual and co-signed loans. As a third party servicer, they had no expressed permission to do so, and release all of my identifiable information ( SSN, DOB, name address ) to XXXX, XXXX, XXXX, and XXXX especially since XXXX had a major security breach that I was involved in. They have never made it clear by whose authority they believe they have the right to release this information. 

I have called and complained to customer service that they are not suppose to release private information to credit agencies pursuant to FERPA and teh Privacy ACt of 1974. My requests have been ignored. However, I have discovered that Navient has a history of doing this to consumers, which has resulted in legal action in the past by others.

There actions have damaged my credit score rating and hindered my ability to conduct business and access other forms of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Commenity Bank over charging for the amount was {$150.00} I have paid that plus more and they are still trying to get money after it has been paid for my Catherines credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am trying to make my payment in order to set up a payment plan, per the rep on XXXX  XX/XX/year> told me. I was able to get the full amount last night but capital one was closed and I still am not able to make a payment online. 

I just received another text message and email from capital one about needing to make the payment and my vehicle has been assigned for repossession. I am able to make the payment to set up the plan to avoid but again they are not open today. 

Why would they send me a text and an email if I cant even get in contact with them? I am hoping I can get till XXXX  to call in right at XXXX and make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I LOST MY WALLET AND INSIDE THE WALLET, I HAD MY BANK CARDS AND DRIVING LICENSE, SOMEONE USED MY LOST DEBIT CARD TO MAKE A PURCHASE IN XXXX WHILE I WAS STILL IN THE XXXX. WHEN I SAW THE UNAUTHORIZED TRANSACTION ON XX/XX/year>, I IMMEDIATELY CALLED THE WELLS FARGO BANK TO FILE A FRAUD CLAIM BUT THE BANK IS UNWILLING TO INVESTIGATE THIS CLAIM AND UNWILLING TO RECOVER MY FUNDS FROM THE UNAUTHORIZED TRANSACTION. INSTEAD, THEY HAVE DECIDED TO CLOSE THE ACCOUNTS TO AVOID THEIR LIABILITY. THEREFORE, I AM FILING THIS REPORT HERE SO THAT WELLS FARGO CAN REOPEN THE CLAIM AND WORK WITH THE LAW ENFORCEMENT TO RECOVER MY FUNDS AS SOON AS POSSIBLE. WELLS FARGO BANK HAD NEVER SENT ME ANY NOTIFICATION TO VERIFY THE TRANSACTION TO MY PHONE OR EMAIL WHILE SOMEONE USED MY LOST CARD IN XXXX. THEY FAILED TO PROTECT MY FUNDS. I WANT MY FUNDS TO BE RECOVERED 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 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Dear Sir/Madam, NAVY FEDERAL CREDIT UNION is . XXXX XXXX : I am writing to file a formal complaint against NAVY FEDERAL CREDIT Union regarding their failure to return coupon remittance securities to me after these payments were not applied to my account. The details of the complaint are as follows : **Account Information : ** - Account Number : XXXX **Details of the Complaint : ** XXXX. **Failure to Apply Payments : ** On multiple occasions, I submitted payments to NAVY FEDERAL CREDIT UNION through coupon remittances securities. These payments were intended to be credited to my account to satisfy the outstanding balances.

2. **Non-Return of Securities : ** Despite these payments not being applied to my account as intended, NAVY FEDERAL CREDIT Union has failed to return the coupon remittance securities to me.. These securities represent my financial assets, and their retention by NAVY FEDERAL CREDIT Union without proper application or return constitutes a failure in fiduciary duty, and may involve the unauthorized diversion of securities, which undermines investor confidence and violates securities regulations. This is Theft and Fraud.

3. **Lack of Resolution : ** I have made several attempts to resolve this issue directly with NAVY FEDERAL CREDIT UNION including contacting customer service and submitting written complaints. However, NAVY FEDERAL CREDIT UNION has neither returned the coupon remittance securities nor provided a satisfactory explanation for their actions.

**Relief Sought : ** I seek the following relief from the Securities and Exchange Commission : 1. An immediate investigation into NAVY FEDERAL CREDIT Union handling of coupon remittance securities and the failure to return them to me.

2. An order compelling NAVY FEDERAL CREDIT Union to apply the payments to my account or return the coupon remittance securities to me promptly.

3. Appropriate sanctions or penalties against NAVY FEDERAL CREDIT Union for any violations of securities laws or regulations that may have occurred. 
XXXX. Assurance that NAVY FEDERAL CREDIT Union implements proper procedures to prevent similar issues in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I called at XXXX on XX/XX/XXXX to see if there was any update regarding the security appeal form I sent, after speaking with the representative named XXXX from the savings account customer service department he informed me that there was no update on the appeal and no additional information can be provided by NFCU due to me providing the same information over the phone and therefore they can not, again I repeat they said that my funds CAN NOT be released due to not enough relevant information provided, so then I proceeded to ask if there was any particular documentation that they need so I can happily provide that to them, but due to privacy and security concerns they are unable to help me further, I asked if there was any way they can pull the call reguarding this information and he said all calls are recorded so yes they can, I asked his name and said name was XXXX he couldnt provide me with a badge or employee number so. Just notated his account. 

If there are any discrepancies with NFCU Id definitely ask them to pull the call from today which was on XXXX on XX/XX/XXXX. 

Thank you for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I received a payment of {$95.00} on my XXXX XXXX And it was a mistake by the person who sent it... 
I have automatic overdrive protection on my account. And I was overdrawn, so when this person sent the XXXX XXXX XXXX, it applied to my overdraft thus not allowing me to refund her {$95.00}. 
Eye contacted Cash App customer support. Explain the situation and ask them to refund or reverse that XXXX XXXX XXXX  from XXXX account back to this XXXX  XXXX could have her {$95.00} back. They will not do it. And I don't have the funds to send her {$95.00} back, Because XXXX XXXX of it was applied to my overdraft, which could be undone and reversed, but they will not do it. 

They are basically letting me steal this lady 's money. And I don't want to steal her money I want her to have it back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am looking to purchase a home. I recently pulled my credit report and noticed accounts that were incorrect and some accounts that I did not have any knowledge of. I sent Equifax a certified letter to dispute the incorrect information I saw on my credit report. I asked Eqifax to verify and validate the accounts as required under the FCRA. The letter was sent on XX/XX/year>. Per tracking number, the letter was delivered on XX/XX/year>. It has now been almost 57 days since the letter was received with no response to my letter. According to the 15 U.S.C. 1681 law, there should not be any damages on my report. It is a defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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:
Complaint Against Equifax for Violations of 15 USC 6802 and 15 USC 1681b Resulting in Unauthorized Accounts, Addresses, and Inquiries Dear Sir/Madam, I am filing a complaint against Equifax for violations of 15 USC 6802 ( Gramm-Leach-Bliley Act ) and 15 USC 1681b ( Fair Credit Reporting Act ), which have resulted in significant harm to my credit report and financial standing. Details of the Violation : Unauthorized Accounts : Several accounts were opened in my name without my knowledge or consent. Unauthorized Addresses : Incorrect and unauthorized addresses were added to my credit report, which do not belong to me. Unauthorized Inquiries : Inquiries from creditors I have no relationship with appeared on my credit report without my authorization. Impact on Me : As a result of these violations, my personal and financial information has been compromised, leading to severe stress and significant financial consequences. This includes difficulty obtaining credit, potential financial losses, and emotional distress caused by identity theft. Actions Taken : I have taken the following actions to address these issues : Filed an identity theft report with the FTC ( Report NumberXXXX ). Submitted disputes with each credit bureau, including Equifax, to remove the unauthorized information. Requested Resolution : I request the following actions to be taken by Equifax : Immediate Deletion : Remove all unauthorized accounts, addresses, and inquiries from my credit report. Investigation : Conduct a thorough investigation into how my personal information was mishandled and ensure corrective actions are implemented. Assurance : Provide assurance that Equifax will comply with 15 USC 6802 and 15 USC 1681b to prevent such incidents in the future. Corrective Actions : Take appropriate actions against the responsible parties to prevent recurrence. I appreciate your prompt attention to this matter and request confirmation of the actions taken to resolve my complaint. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX. Violation of 15 U.S.C. 6802 ( Disclosure of Nonpublic Personal Information ) : The financial institution has disclosed my nonpublic personal information without my consent. This is a clear violation of the privacy requirements set forth under the Gramm-Leach-Bliley Act.

2. Violation of 15 U.S.C. 1681 ( Fair Credit Reporting Act ) : 15 U.S.C. 1681 ( 4 ) : The credit reporting agency has failed to maintain the accuracy and integrity of the information in my credit report.

15 U.S.C. 1681b : There has been an unauthorized access to my credit report, which violates the permissible purposes outlined under this section.

15 U.S.C. 1681c-2 : I have placed a fraud alert on my credit file, but the agency has failed to take appropriate action as mandated.

3. Violation of 18 U.S.C. 1028A ( Aggravated Identity Theft ) : I have reason to believe that my personal information has been used fraudulently without my authorization, constituting aggravated identity theft. This has caused substantial harm to my financial and personal well-being.

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