vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX, Equifax and XXXX have furnished a credit profile without my verbal or written consent! I've demanded that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They cant produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. 
The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. 

Again this is a violation of my rights to privacy. They also are allowing companies to pull this report with my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report I never gave XXXX consent to create.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
ON XX/XX/XXXX, IS THE ORIGINAL DATE OF WHEN I FIRST FILED WITH WELLS FARGO FRAUD DEPARTMENT. AN XXXXXXXX XXXX XXXX  XXXX WAS TAKEN OUT OF THE STREET MAILBOX LOCATED ON XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. THIS RESULTED IN BANK FRAUD. THE PAY TO THE ORDER OF NAME WAS REMOVED XXXX XXXX XXXX AND IT WAS REPLACED WITH A NEW NAME XXXX XXXX XXXX AN XXXX WAS THEN ADDED IN FRONT OF MY PAYMENT OF {$260.00} THEREFORE CHANGING IT TO {$8200.00}. IT WAS TAKEN TO XXXX XXXXXXXX XXXX AND CASHED. I HAVE A COPY OF THE CANCELED CHECK FROM MY BANK- WELLS FARGO. XX/XX/XXXX XXXX POLICE REPORT FILED CASE # XXXX. FBI REPORT ALSO FILED. IT HAS NOW BEEN OVER 78 DAYS AND I HAVE NOT BEEN REIMBURSED FOR THE AMOUNT OF {$8200.00}. WELLS FARGO IS STATING THAT THEY HAVE TO WAIT FOR XXXX  XXXX XXXX, WHO TOOK THE ALTERED CHECK, TO GET FUNDS BACK BEFORE THEY CAN REIMBURSE ME. I CONTACTED WELLS FARGO FRAUD DEPARTMENT AGAIN ON XX/XX/XXXX BECAUSE I STILL HAVE NOT HEARD BACK. THEY TOLD ME IF XXXX XXXXXXXX XXXX CAN NOT RETRIEVE THE FUNDS, WELLS FARGO WILL NOT BE ABLE TO REIMBURSE ME. I HAVE THEN LOST {$8200.00}. WITH THE CURRENT COVID SITUATION GOING ON, BUSINESS HAS BEEN DOWN. IT IS VERY DIFFICULT TO KEEP MY BUSINESS GOING WHILE WAITING FOR REIMBURSEMENT. THIS IS A VERY FRUSTRATING SITUATION. ANY ASSISTANCE IS APPRECIATED.

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 2022-01-18 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: EQUIFAX, INC.
State: DC

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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 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 2022-01-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX with XXXX # XXXX was paid it needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint against USAA SAVING BANK on my own behalf, as a Federally Protected Consumer, without any connection or involvement with any third party. On XX/XX/XXXX, I mailed a validation of debt letter asking USAA to provide the following information within ten ( 10 ) days : 1 ) identity of the original creditor, 2 ) verification of their claim against my ( a sworn affidavit or a hand signed invoice ), 3 ) copies of the contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX, the natural person, and USAA, that prove I agreed to pay the alleged amount, and 4 ) validation of the alleged debt ( the actual accounting. ) I told them in my letter that if they were unable to provide the above information within the 10 day period, then the account must have a zeroed balance and left open in good standing so that it wouldn't cause anymore damage to my reputation. As of XX/XX/XXXX, it has been 14 days since USAA has received my letter, and I have not heard or received anything back besides my certified mail receipt that they did in fact receive my letter. I made copies of the documents I sent and have attached everything to this complaint : my certified mail receipts and the validation letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My XXXX XXXX XXXX  report shows that an American Express credit card was opened on XX/XX/2021 under my name. But I did not open an account. The report shows that I am an authorized user. It only shows a part of the account number which is XXXX. I do not have an AMEX credit card so this is not correct. I am afraid that someone has used my information to open a credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: NV

Complaint narrative:
On XX/XX/XXXX I made a transfer to my wives account of over {$4000.00} to purchase a car, we both had current accounts but they were both closed from this transfer. It was from a check from my totaled car. They suspended both accounts then closed them saying they were fraudulent activity. My wife 's account had over {$4000.00} in it and mine had over {$1000.00} in it, I do not remember exact numbers. My wife received the amount from her closed account but I have not received mine. I contacted current again and they stated that another check was sent out on XX/XX/XXXX, but yet again I have not received anything. I confirmed the address ( which is below ) XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NV XXXX They stated it would be 14 days but I have yet to receive this check and am now not hearing back from the support department regarding my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NY

Complaint narrative:
My XXXX XXXX XXXX report shows that an XXXX XXXX credit card was opened on XX/XX/2021 under my name. But I did not open an account. The report shows that I am an authorized user. It only shows a part of the account number which is XXXX. I do not have an XXXX credit card so this is not correct. I am afraid that someone has used my information to open a credit card account.

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 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Tried to unfreeze my credit information for 24 hrs. The agent I dealt with at Equifax was hard to understand and did not unfreeze the account. I was trying to deal with XXXX XXXX XXXX XXXX XXXX. Will probably miss the promotion price they are offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NY

Complaint narrative:
I was a victim of identity theft. someone used my personal info to obtain a student loan. I contacted the creditor and the reporting equifax and submitted a ftc report along with a police report and they still are reporting inaccurate information damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United PanAm Financial Corp.
State: IL

Complaint narrative:
The car is inoperable and I have not used it since the beginning of XXXX. I dont know why I have to pay 24 % interest on a loan for a car I can not use. I called on XX/XX/XXXX to make a payment and was granted one month deferment which would be added to the end of my loan term. I still have to it a loan for a car I cant use. Its not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: PA

Complaint narrative:
Recently ( XX/XX/XXXX ) I applied for a home mortgage loan with XXXX Mortgage. In the process I was informed that I have a collection balance of amount {$140.00} reported on my credit. Firstly I am not sure where it came from and for the past three months I was working with my mortgage officer to figure out what it is and how to resolve it. I had a lot of hospital bills and I used to clear it off as and when required. I remember paying all of my bills around XX/XX/XXXX. Not sure about this debt and I need more information on the same. I tried to contact the collections company several times but no luck. I sent them mails twice ( on XX/XX/XXXX - First class mail and on XX/XX/XXXX- Priority mail the second time ). There is no response yet. I feel that I have been patient enough in waiting for a response after multiple attempts. I am helpless now and not sure what to do. My credit score is down for no reason and I am in a situation to pay more monthly mortgage which is totally unfair. From what I have researched so far, to the best of my knowledge I think this is a UDAAP violation. Looking for support.

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 2022-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I sent MR. COOPER, via certified mail, in good faith an endorsed coupon that was attached to my remittance statement for accord and satisfaction of the obligation due. I included instructions in accordance with UCC 3-603 and UCC 3-311 . MR. COOPER received the certified mail on XX/XX/2021. I have yet to receive the original instrument back in the case of dishonor, as I am the holder in due course, or have the payment applied to my account. This now puts the account in a billing error. I am requesting documentary evidence of the journal, books, and ledger associated with my account as per my right pursuant to 12 CFR 1026.13 ( a ) ( 6 ). I also want it be known that until the account is credited properly, or my original instrument is returned with documentary evidence of journals, books, and ledgers associated with the account, MR. COOPER can not collect, take any adverse action, restrict services, or make any reports related to said debt pursuant to 12 CFR 1026.13 ( d ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My mortgage is with NewRez LLC handled by Shellpoint Mortgage Servicing LLC. and I was in COVID19 Forbearance plan. However, the process of getting out of the forbearance and starting paying my new modified loan was all but a disaster. Starting XX/XX/2021 I was in talk/email with a Shellpoint contact person and when it comes time for me to sign documents, they keep sending the wrong/misspelled documents over and over again. When all that happened they didn't push my payment starting date, which was scheduled to start in XX/XX/2021. And when my mortgage payment due date passed they reported it to credit agencies as I missed all payments during the COVID19 Forbearance plan, this is despite my payment of a newly calculated modified monthly payment on XX/XX/XXXX. Now, all the promises that the government gave to a homeowner like me have become lies. my XXXX XXXX got to the lowest point itever been and the psychological impact was putting a toll on me. 

I did everything that NewRez/Shellpoint Mortgage Servicing LLC asked me to do. I tried to avoid getting into this kind of situation, speeding hours and hours on the phone just to get one representative to give you a false assurance that everything will be fine. Shellpoint Mortgage Servicing LLC messed up my document. They sent wrong papers for me to sign four times. With this out of my control situation I got a XXXX XXXX hit which is almost hard to overcome. 

Please, please... I need someone to help me on what to do in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX/Synchrony Bank offers customers the option to get reward points or defer interest on qualified purchases made using the XXXX XXXX. Purchases made under the deferred interest option are purportedly tracked under the cardholder 's " promotional '' balance. Those made under the rewards program are tracked under " non-promotional '' balance. Unfortunately, it seems like the company lacks the necessary computer systems to keep track of " promotional '' balances separately from " non-promotional '' balances, leading to incorrect interest charges on customer accounts. This is my second complaint on this matter. The first complaint was CFPB Case XXXX. 
My most recent experience is summarized below : On XX/XX/XXXX, I made a payment of {$1400.00} which I requested to be applied to my non-promotional balance. As of today XX/XX/XXXX, more than a month after my initial request, this still has not been processed Since my original request date of XX/XX/XXXX, I have made several calls and chats with the banks customer representatives to follow up. I was told by some representatives that this would be processed within 3-5 business and some others that it would be done by the next billing cycle which has already come and gone. Any outstanding non-promotional balance incurs interest. I want to make sure that this doesnt happen and that I dont have to spend any more time with the company to make sure that they process my payments accordingly.

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 2022-01-18 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:
I never gave Experian consent to report anything on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. This offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly used My info without lawful authority, a means of identification of me, which is a felony punishable by Law. They also ignore my disputes as you can see in my prior CFPB reports. They always respond with a lame response of " I need to verify my info ''. This is nonsense, Ive sent my Drivers License, Utility Bill, and Social Security Card.

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 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP
State: PA

Complaint narrative:
I have sent certified letters to Keybank on XX/XX/2021 and i have on numerous occasions submitted complaints about this same issue over a year now regarding the unauthorized reporting of the negative payment history being reported on my consumer report. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) which states that The Congress has found the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Keybank has violated my right to privacy and this statue by reporting the payment history information of this tradeline account to the consumer reporting agencies. The Congress said transactions or experiences should remain between the consumer ME and the person Keybank thereby making the reporting of this accounts payment transactional history inaccurate. 
Pursuant to 15 U.S. Code 1681a ( b ) ( 1 ) Keybank has injured my credit worthiness, credit standing, credit capacity, character, personal characteristics, and has caused me mental anguish as you have violated my consumer right to privacy and damaged my reputation ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes with the credit bureaus for well over six months now and they continue to report inaccurate items on my report without my consent. I have asked them how did they verify these items and I am not getting any answers besides a letter stating 'the item is verified '. I have proof that the other bureaus have deleted the item so why are XXXX, XXXX and TRANSUNION continuing to reporting them.Please Help!

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