vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-06-17 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I request for my account to be close XX/XX/2022. BMO Harris explained they will send the remaining funds of {$4500.00} by mail in 2 business days. I have not received a check. I called to have the check canceled and resent and BMO Harris explained they need to send an indemnification form for me to sign and notarize. I have not received such form. They said they would email it and I have yet to receive it. I have no other recourse it this time.

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 2022-06-17 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XXXX of 2021, Mr. Cooper ( our mortgage lender/servicer ) incorrectly coded a payment ( {$10000.00} was sent -- - Mr. Cooper credited me with sending {$1000.00} ). During my attempts to rectify the situation with Mr. Cooper, they incorrectly reported the mortgage payment as late, despite their promises that I would not be in arears during their review of my case. Following their review of the case, they gave as their reason that my account had " insufficient '' funds, which was demonstrably untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I wrote out my personal Check # XXXX made payable to XXXX XXXX XXXX  in the amount of {$240.00}, and posted the check in the USPS Mail Box at the corner of XXXX XXXX XXXX XXXX XXXX XXXX on Sunday evening, XX/XX/2022. 
( which happens to be across the street from my home. ) I was working overnight XXXX  on Thursday evening, XX/XX/2022, and reviewed my WSFS Checking account online - only to discover that Check # XXXX has been modified to be payable to XXXX XXXX XXXX in the amount of {$6600.00} - and was in the process of being cleared by WSFS. 

By XXXX XXXX  on Friday, XX/XX/2022 I went to my local WSFS branch in XXXX ( corner of XXXX XXXX and XXXX XXXX ) to report the fraud. 

WSFS took my information and filled out a form - that included a check box on my willingness to prosecute the fraud ( which I checked Yes ), and informed me that it could take up to 100 Days before the matter was resolved. 

After WSFS, I reported the incident in person at the XXXX XXXX Police Station ( Incident XXXX. ) I also drove to the XXXX US Post Office and reported the incident - and I was directed to the USPS website, and reported the incident again to US Postal Inspectors online. ( US Postal Inspectors ' Reference number is : XXXX ) On Friday XX/XX/2022, I called WSFS customer service and the Customer Service Rep reported that the Dispute # XXXX was noted in my account- but that no action had been taken. 

Following that conversation, I did open a complaint ( # XXXX ) with the Office of the Comptroller of the Currency 's ( OCC ) Customer Assistance Group ( CAG. ) On Thursday, XX/XX/2022, I was contacted by XXXX. XXXX XXXX from the XXXX XXXX Police department and was informed that XXXX XXXX PD had been able to identify a WFS Fraud Investigator - and that Det. XXXX also provided a copy of the fraudulent check and a timeline to WSFS Fraud Investigator. 

On Friday XX/XX/2022, I called WSFS customer service and the Customer Service Rep reported that the Dispute # XXXX was still noted in my account- but that no action had been taken. The Customer Service Rep contacted my local branch and spoke with the teller with whom I had reported the fraud on XX/XX/XXXX. The Customer Service Rep was unable to speak with anyone in the WSFS Fraud Services. On this occasion, the Customer Service Rep informed me that the WSFS policy was that resolution of Fraud related check could take up to 90 days ( which is different from the original 100 day term that I'd be informed of when I reported the Fraud on Friday, XX/XX/2022. ) I feel that I've been reasonable and worked and waited while WSFS has really taken no action. I feel that there fraud related policies are poorly documented, communicated, and enforced irregularly.

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 2022-06-17 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: MD

Complaint narrative:
I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax and XXXX has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1994 ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
My complaint is that XXXX who is the originator of the account is fraudulently charging and reselling the account under XXXX XXXX and Duverra billing services ( XXXX ) for services not properly rendered. The conditions of the sale was that they maitenance my car and charge me overtime with XXXX XXXX option. The problems is XXXX never maitenanced the car, they actually damaged it and I could never drive it again. The car had to be emmidiately sold and I am still being charged, my credit is being damaged for fraudulent services of {$2300.00}. I want this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has closed my account with out properly notifying me while I was making on time payments. During the pandemic the government advise we stay indoors the unemployment I received wasnt enough to pay my housing cost

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX DOE XXXX XXXX DOE XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX XXXX DOE XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: MD

Complaint narrative:
I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but XXXX and Transunion has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.

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 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: CA

Complaint narrative:
Sofi bank froze my account right when my XXXX direct deposit from my XXXX trading company hit my account. I have reached out countless times over the past week with no solution. They are doing this to countless individuals and I now believe this is starting to get criminal. 

- They tell me I need to call a fraud hotline which leads to a voicemail line. 

- There is zero fraud on my account and the only funds are my payroll / direct deposit from XXXX- I was told the direct deposit would be returned to XXXX which is was not - No live body that can be reached via phone will help you ; they send you to the same line which tells you to leave a voicemail- I have sent 10+ emails with zero answer - Some people are telling me they have been in this situation with SoFi Bank for over a year now!

- There are countless SoFi users online talking about the same issues. Keep in mind, these are hard working people who have bills, children, medical conditions, etc..

I don't think SoFi realizes the negative impact they are causing for their users and the hardships which are coming down on these families. 

I want my money. I want my paycheck. And I want it now. 

Somebody has to do something about what SoFi is doing to their customers and they need to do it fast before more families are affected by these criminal actions by SoFi Bank!

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: GA

Complaint narrative:
I have previously raised concerns regarding Equifax and believe they are now discriminating against me with how they reported my Credit Scores based on erroneous information being reported by XXXX XXXX which was paid off in XX/XX/2022 and has since been reported to XXXX XXXX XXXX. However, Equifax has refused to update my Credit Report to reflect the appropriate Paid Off Status within " PAYMENT STATUS '' section of my Credit Report. XXXX was Paid and Settled and should be reflected accordingly, so my scores can be properly adjusted. 

Also, XXXX was paid and Settled and is not reflecting that it has been Paid and Settled in the " PAYMENT STATUS '' section of my Equifax Credit Report. 

Also, my XXXX XXXX account is also showing the wrong " PAYMENT STATUS '' with Equifax, XXXX, & XXXX as this account was also PAID & Settled and should be reflected in the Algorithm which will update my scores and not only in a comments section of your report. 

Also, when I attempt to file a Credit Dispute with Equifax it is blocking me and not allowing me to file any type of Dispute or upload supporting documentation to validate my claim of erroneous, fraudulent, and discriminatory Reporting Practices. 

I am uploading my additional information from my FICO Report dated XX/XX/2022 which reflects where XXXX and XXXX was updated for XXXX and XXXX accounts, as these accounts were Paid and Settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXXXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX DOE XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
I have had complaint w/this company last year they overcharged on escrow fee 's which i had to issue a complaint and it was resolved where they had to retract the $ $ they were trying to charge me. I tried to refinance w/another lender but couldn't do it due to not saving enough $ $ this company purchased my home mortgage last year. This year my payment has gone up XXXX they are trying to charge me a anticipated amount with a required amount for escrow of {$1100.00}. I am not willing to pay these charges they are committing FRAUD on the comsumer and need to be shut down. They have serveral complaints against them for same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
I paid {$290.00} on XX/XX/2022 in person at XXXX XXXX. I have made repeated phone calls to XXXX and Security Credit Systems, to have the debt removed from XXXX, XXXX and XXXX. It shows unpaid on all 3 reports and my score is severely decreased because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
HELOC with Citizens Bank of Rhode Island in XXXX. HELOC draw period has ended in XX/XX/XXXX with no remaining money to use. HELOC Acct number is XXXX. 

Applied for Mortgage assistance/relief through a HUD approved housing counsellor called XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX ) and was approved. However, they need the three most recent statements which I do not have and Citizens Bank & their outside law firm XXXX XXXX will not provide these statements so that the money can be released. 

POC at XXXX XXXX XXXX is XXXX XXXX XXXX. 

Request that the CFPB intercede to obtain these 3 statements so that XXXX can move forward with disbursing the money.

Company response to consumer: Closed with explanation