vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 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: VA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: VA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 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 an 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 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: States Recovery Systems, Inc.
State: AZ

Complaint narrative:
I had a XXXX XXXX phone from XXXX. As the phone was defective, I ended my service with XXXX by a phone call to customer service and returned the phone.At no time did they say I would have a following bill, and if I did have one, assumed they would auto pay from my credit card on file as thats how billing was set up. With no preceding bill or email ( even though I continued to get emails on other subjects almost daily from XXXX ) XXXX  sent my account to States Recovery Systems , Inc, a debt collection company, showing an overdue bill of {$40.00}. I called XXXX immediately. When she could refer to no email showing a bill, she waived {$10.00} in late fees. 
They hadnt charged my credit card on file, as their system wont process through the credit card after service is ended. On XX/XX/XXXX I paid {$30.00} via credit card on the phone. I received an email from them showing the waived late fees, the credit card payment, and showed my balance as XXXX. On XX/XX/XXXX and XX/XX/XXXX XXXX and States Recovery both said States Recovery had not been notified of my payment in full. On XXXX I received XXXX emails from XXXX, XXXX ( XXXXXXXX XXXX XXXX saying they couldnt accept my payment ( even though my credit card was charged and not refunded ) and one ( XXXX XXXX XXXX  acknowledging the payment and that my balance was XXXX. I did dispute the debt in writing and on XXXX XXXX contacted XXXX requesting confirmation on the status of the debt. As of XX/XX/XXXX, they have had no response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was at airport in XXXX I attempted to use card at a XXXX it was declined I immediately check the app and noticed that their was two cash withdrawal and XXXX fees this was Monday XX/XX/2022 around XXXX XXXX or maybe a little later one was for XXXX with XXXX fee at XXXX XXXX  and another at XXXX XXXX for XXXX with XXXX fee and they tried again for XXXX dollars a minute later and ut was declined. I immediately ask airport worker where I should go to report it but it was on the other side of airport I would have missed my flight then I contacted chime they said there is nothing they can do because withdrawal was pending I said if pending can u stop they said no I would have to call back when it's not pending. That was on Thursday XXXX so I called around XXXX XXXX to make claim and later that day I received email saying I was denied they will send me another card. I believe I was scanned thru my purse and they got my info I had a companion with me they will give statement if necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I placed an order for a XXXX XXXX television with " XXXX XXXX '' a third party seller through XXXX, on XX/XX/2021 in the amount of {$4100.00}. The item was to be delivered on XX/XX/2021. I left clear delivery instructions stating that if I were not home to call me and if no answer to reattempt delivery. In addition, XXXX required a signature from me for successful delivery. I was not home on XX/XX/XXXX XXXX and when checking the tracking information it showed that my item was delivered to someone named XXXX XXXX XXXX. I immediately reached out to the merchant through XXXX and explained what happened. The merchant explained that an investigation would be started, and someone would reach out to me in the following days. I never heard anything back and reached out to the merchant again and was informed by " XXXX XXXX '' customer service representative named XXXX that an investigation was still in process. Days went by and again I had not heard anything back from the merchant " XXXX XXXX ''. I then proceeded to dispute the charge with my bank institution. I was advised by my bank institution to reach out to XXXX and see if the issue could be remedied. I then reached out to XXXX customer service and explained my situation to a representative named XXXX XXXX. XXXX XXXX explained to me that a refund would be issued to my card and I should see it in 3-5 business days. The credit never came. Upon submitting my dispute, the merchant has now responded stating that I have had XXXX orders delivered to my home in the past with no issue and that my address is valid ( which is irrelevant to this situation ). My address and apartment number is valid however, the merchant failed to mention that I live in an apartment building and not a house, so delivery of a package with a signature required by me is vital. As I stated previously, the package was not delivered to me, nor was it signed by me, and my delivery instructions were not followed. My package was instead delivered to someone named XXXX at a different address/apartment number. The merchant also stated that they have no record of any phone calls or emails from me regarding my issue. That is inaccurate and I have contacted the merchant and XXXX several times via email and XXXX transcript ( please see attached ). In addition to XXXX policy, XXXX can refund a customer at their discretion. XXXX agreed to refund me because of this issue ( as seen in the transcript ) and I have yet to receive my refund. I've also filed a police report with my local police department. My bank institution constantly resolves the issue in the merchants favor. I've submitted a dispute over 5 times since XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: IL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 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 an 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 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XXXX, TD Bank debited {$250.00} from my newly opened ( XXXX ) checking account ending in # XXXX. TD indicated a line item, " DEBIT, XXXX Claim XXXX. '' TD Bank will not provide additional information about this debit to me. 

This issue may stem from the initial account opening on XXXX when TD Bank, rather than showing my initial {$500.00} deposit as pending under my actual account number XXXX, placed my initial {$500.00} deposit from XXXX XXXX into an account ending in XXXX. I contacted TD Bank and XXXX XXXX about this issue and XXXX investigated it as possible fraud. 

Three days later, my initial deposit showed up in my TD account ending in XXXX. TD Bank ( XXXX XXXX ) said that the " Fraud Claim '' is the reason that TD took {$250.00} from my account XXXX on XXXX and closed my checking account, but XXXX XXXX closed their fraud investigation on XXXX. 

In addition to the {$250.00} that TD Bank debited from my checking account XXXX for a " Fraud Claim '' that had been closed for two weeks, the unilateral decision by TD Bank to close my Checking Account also cost me the {$300.00} bonus that TD Bank offered for opening a new checking account. 

XXXX will not provide any information to me about what happened to the {$250.00} because " XXXX has a relationship with TD Bank, not with me. '' To me, this money is simply gone. 

I have had numerous communications with TD Bank representatives who can not explain what, or why, TD Bank did other than send {$250.00} to " XXXX XXXX '' ( XXXX XXXX ). The money has not been returned to XXXX XXXX. 

TD Bank is withholding this {$250.00} and I have not been made whole. Please advise. Thank you in advance for your kind assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: IL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: IL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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 an 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 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My principal went below the 80 % threshold to have the PMI removed several months ago. I have given XXXX Mortgage everything required per my closing documents : PMI will only be canceled if all the following conditions are satisfied : 1. you submit a written request for cancellation ; 2. you have a good payment history ; 3. you are current on the payments required by your loan ; and 4. we receive, if requested and at your expense, evidence satisfactory to the holder of your loan that the value of the property has not declined below its original value, and certification that there are no subordinate liens on the property. 
A " good payment history '' means no payments 60 or more days past due within two years and no payments 30 or more days past due within one year of the later of ( a ) the cancellation date, or ( b ) the date you submit a request for cancellation. 

It was also supposed to be automatically removed on XX/XX/22 per my closing documents : Borrower Requested Cancellation of PMI You have the right to request that PMI be canceled on or after the following dates : 1. The date the principal balance of your loan is first scheduled to reach 80 % of the original value of the property. This date is XX/XX/22. For balloon loans with a fixed interest rate and no conditional right to refinance, if applicable, this date may not be reached before the loan matures.

2. The date the principal balance actually reaches 80 % of the original value of the property. 

I had made additional principal payments that brought me below 80 % I believe in XXXX of this year. 

They made me pay for an appraisal even though their own website valued my property over {$650000.00} and all the value needed to be was {$450000.00}. For the last 4 months they have been telling me it is in their PMI department and would be resolved soon. I have tried esclesiting it but no one will or can approve this even though it should be automatic at this point. They continue to charge me each month for insurance that is not required.

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 2022-08-26 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: LoanCare, LLC
State: TX

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 any purpose.

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 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hi, my transaction has been debited through capital one a/c, through XXXX on XXXX XX/XX/XXXX of XXXX $ and on XXXX XX/XX/XXXX XXXX which was not done by me after that I reported to bank about this, first bank says they go as refunded temporarily credit, but after that XXXX, they send email and denied my dispute .thats y I m writing this complaint to you guys so at least you can help me, the claim id number of bank which is send by them is # XXXX and second 1 is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: U.S. BANCORP
State: WI

Complaint narrative:
Account was registered with delinquent with credit bureau. In XXXX of 2022 I went into a six-month forbearance with U.S. Bank Home mortgage XXXX U.S. Bank is the lender. At the end of the forbearance I was told that the total six month amount was due and is considered past due. I argued that this is not what I agreed to. I was immediately put on a flex plan and told I could pay my regular mortgage amount. However U.S. Bank reported this to the credit bureau as delinquent. 


COVID-19 : Is HUD suspending credit reporting for FHA-Insured mortgages on a COVID-19 Forbearance? 
Any Borrower who is granted a COVID-19 Forbearance and is otherwise performing as agreed is not considered to be delinquent for purposes of credit reporting. 

FHA requires Mortgagees to comply with the credit reporting requirements of the Fair Credit Reporting Act ( FCRA ) ; however, FHA encourages Mortgagees to consider the impacts of the COVID-19 pandemic on Borrowers financial situations and any flexibilities a Mortgagee may have under the FCRA when taking any negative credit reporting actions.

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 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I received a phone call from XXXX after XXXX XXXX  on XX/XX/XXXX, not on my personal phone but my work phone. A lady asked if I was said name, XXXX XXXX, speaking, I said yes. She directed me to call this number on a case pertaining to myself. I asked from whom. She would not tell me. I asked again who am I dealing with. She never said her name and just stated that it was from XXXX XXXX. She then wanted to find out if I was going to be home. I said no, that I am leaving for work. She became upset and stated that we are about to serve you pertaining to this case so someone has to be there. I said well, I will be here this afternoon. Still in disbelief and no clue what this is about. She raised her voice and said that there is a lien on your house once served. She gave this number to call, XXXX. A male answered with no representation of who or where he was calling from. Questioned if I was XXXX XXXX, I said yes, and he said you are about to be served. I asked the male well who is. He said GM Financial. I told him that I have never dealt with GM financial. He stated that if this is not settled that it will be placed on my credit report. I said, I'm looking at my report through XXXX XXXX and i don't have any or have had that company much less associated with GM financial. He also stated that back in XXXX, they had sent paperwork. I said well if you sent it, we didn't get them. And what does that mean to you. I kept repeating myself. I have never dealt with any GM Financial. Which is funny cause we only have one car and it's through a different company. These individuals have violated all aspects of trying to use scare tactics and threatening to serve or sue. I don't appreciate someone calling my work phone and say what you will. By the way, the male individual hung up on me. That goes to show you how unprofessional and ignorant they are especially if they work for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My account was accessed from a fraudulent person, and for the last 2 months the bank will not accept my identification that I faxed for identification of myself it will not solve the fraudulent charges nor let me pay off the account. They also froze the account so that I can not even pay payments on it. Capital One Bank credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX 's, 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