vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to XXXX XXXX . In my credit report from XX/XX/2023, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FREEDOM FINANCIAL NETWORK
State: OH

Complaint narrative:
I applied for a personal loan on XX/XX/2023. On XX/XX/2023 I received an email from Freedom Plus stating that I had been approved for a personal load for {$5000.00}. Attached to the email was the Loan terms and conditions. I called the representative that was in charge of my approval as stated in the email. He said that in order to verify the account numbers are correct they are sending me {$900.00} by direct deposit. Within a minute I had a text message form my bank that there were multiple deposits made to my account. Then the representative told me that I needed to send that money back and they would send the {$5000.00} that I was approved for. I asked why they couldn't back that payment out and they said that it would not look good on a credit bureau to do that. This happened a few times during the day. I finally said " NO MORE '' and did not return any of there phone calls/text messages. Then I received a text message from them stating that if I didn't return the last deposit of {$900.00} and {$300.00} they would be taking legal action. Then next morning I received a text message from by bank that I was being removed from the early pay option. I went to go look at this and found that they had backed out all the deposits that were made and kept all money that was send to " Return '' their funds. This left my account {$1500.00} overdrawn. I have text the representative that I want to be contacted by a manager and that my bank has been informed of the situation and that the least they should do is make my account correct by sending me the {$1500.00} that they in essence stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stern & Stern. P.C.
State: NY

Complaint narrative:
Law office of stern and stern unlawfully filed a civil judgment against me for a : ery old credit card account from municipal credit union the debt is over 7 years old and what the collections attorney did was unlawfully and I never was served so that I can defend my self telling them the municipal credit union debt is old

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: DISCOVER BANK
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I received a deposit XX/XX/XXXX. Marcus bank closed my account. They requested information I sent it in, I was advised that the account would be closed and the money returned to the sender. The money was a loan and they are requesting that I pay the loan they never got the money back! I requested my money be released in XXXX they were supposed to send an affdavit I never received so I downloaded it from the website and sent it in on XX/XX/XXXXXXXX  I am reqyesting my money plus damages!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/23 i tried to use my citibank credit card ending in XXXX it was .declined. then i tried using my citibank XXXX XXXX  card ending in XXXX it was also declined. i called citibank and was informed that citibank had closed both accounts unbeknownst to me. 

both of these credit cards have rewards associated with them. the XXXX had rewards of {$2600.00} accrued. citi promptly sent me a check. the account ending in XXXX had cash rewards of {$28.00}. when i asked to redeem the money, i was told that it was forfeited. why? these are rewards that i earned by making purchases at XXXX. i might understand it if i had closed the account, but it was citi who closed it. also there is an inherent inconsistency citi 's policy. why did they send me a check for one citi account, but not the other. both of these credit cards are under the citibank umbrella.

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 2023-09-07 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: IL

Complaint narrative:
To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-09-07 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: VA

Complaint narrative:
XXXX XXXX XXXX  Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. 

After asking for method of verification from Transunion, XXXX, and XXXX whom have failed to provide any response. This account is reporting inaccurate according to the Metro 2 Compliance Standard. 

After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. 

I also mailed XXXX XXXX XXXX and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. 

I have attached below all Exhibits Certified Mail sent to data furnishers of information below. 

This account needs to deleted from my account because it is incomplete and 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 2023-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I placed an order and it was cancelled for address verification with no attempt to reach me. My card was authorized. The company will not reprocess the order per our agreed upon price and I do not think I should pay more because of their mishandling of credit information. Its a store card that has been saved in my store account for YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
We purchased a home on XX/XX/2023 and our first mortgage payment was due XX/XX/2023, which we paid. We were notified that our mortgage loan had been sold and all funds paid on XX/XX/2023 will be forwarded over to the new servicing company. We later received a late notice from the new servicing company, XXXX XXXX, due to no payment. I reached out to premiere Mortgage, where the XX/XX/2023 payment was submitted and was advised the funds were transferred. I called XXXX XXXX on XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 and XX/XX/2023 all resulted in being told the payment had not been received. I then contact XXXX  again both XX/XX/2023 and XX/XX/2023 and was advised the payment was received, yet with their Cashiering Department and to call back within XXXX days for an update. I called XXXX yet again on XX/XX/2023 and was told the payment was received, yet still not processed. The rep volunteered to send an email to the cashiering Department to clarify status of the funds being processed and was to contact me back. I did not hear back from XXXX and today I called and was advised the payment was never received. 
The reviews for this company have been HORRIBLE and we are afraid we will be falsely reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/2013 XXXX closed their account without warning or even taking measures to assure that no ones credit will be affected due to them going out of business in XXXX. Because of this lack of failed communication on their part, I have been struggling to bring my credit back up. They closed the account and dropped my credit score by XXXX points when my car wasnt paid off. Without warning, without any implications that the customers accounts or credit history would not be affected they made this decision that affected THOUSANDS of people. I have tried to contact the company and had no luck. I even tried to dispute this and nothing.

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 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I started a home mortgage with Wells Fargo in XXXX when I needed to pay off a home equity line of credit for XXXX and they can not give me documentation of my my mortgage started at XXXX. After making almost 20 years of payments and a mortgage statement dated XX/XX/XXXX for the amount of {$140000.00} When I finally sold the house on XX/XX/XXXX, I owed supposedly {$150000.00}. 
I have been trying to contact Wells Fargo since XXXX and Ive spoken to at least a dozen specialist that can not give me answers on why my original mortgage started out at {$170000.00} XXXX contacted the title company and first they said that there was cash given out to me at the time of closing, which is totally false, and I know for a fact that the title company does not give out cash when refinancing. 
Please contact me on my cell phone XXXX if you need any help or further information. 
Respectfully, XXXX I had the loan almost 20 years with Wells Fargo. 
Around XX/XX/XXXX I was facing forclosure after being told by Wells Fargo that I would qualify for XXXX of their repayment plans because of the coronavirus, but was forced to sell my property to satisfy the loan that was very fishy & included over {$56000.00} worth of payments which I paid through my bankruptcy in XXXX. 
I honestly believe that they took a vantage of me and I was charged over {$50000.00} in additional mortgage principal

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 2023-09-07 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to JPMCB CARD. In my credit report from XX/XX/2023, I found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc.
State: MO

Complaint narrative:
This company stated that they sent me a letter stating I owed this debt. Once again I didn't receive anything in the mail from this company there for I was not able to dispute this debt. My mail box is broken and I asked my apartment complex to fix it and they still have not. I don't know what happened to the letter they said they sent. I was not giving a chance to dispute before this was sent to the credit bureaus. This needs to be removed. I was not giving notice. I will file a complaint with the states attorney general office if this not rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I HAVE HAD A CHECKING ACCOUNT WTH WELLS FARGO BANK FOR YRS WHEN I CHECKED MY BALANCE ON XX/XX/XXXX FOUND OUT FROM BANK RECORDING THEY TOOK OUT XXXX DOLLARS NEVER HEARD THAT ON MY REC BEFORE CALLED BANK AND FOUND OUT THAT THEY HAVE BEEN TAKING THAT MUCH OUT SINCE XX/XX/XXXX I GOT BANK TO GIVE ME XX/XX/XXXX TO XX/XX/XXXX DOLLARS I WANT TOTAL OF XXXX TO BE GIVEN BACK THERE WAS NEVER A NOTICE RE THIS FEE I CALL THE RECORDING AND THIS WAS THE FIRST TIME I HEARD OF BANK TAKING A FEE

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 2023-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Southwest Business Corporation
State: GA

Complaint narrative:
I first requested the assumption package on this loan back in XXXX, XXXX. I did not receive the actual package until sometime in XXXX. The initial package was returned to them on XX/XX/XXXX. There have been continuous delays by the lender and they have simply used the excuse that because of the lower rates on the assumption they are very busy. When this process started the loan was in both mine and my husband 's name. He passed away on XX/XX/XXXX and I informed them right away. I sent them copies of my husband 's death certificate and requested to proceed in my name only. On XX/XX/XXXX they informed me that they required a whole new application package. We are coming up XXXX months and still do not have a final approval on the loan. I have sent them everything they have requested ( sometimes more than once ) and have paid for XXXX credit reports. Now they are telling me that the loan requires a XXXX  company to approve it. This is an XXXX  loan that does have XXXX  but does not require secondary approval by a XXXX  company. This is beyond frustrating at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XXXX I spoke with XXXX from KIA XXXX XXXX XXXX. They had a XXXX XXXX XXXX XXXX  I was looking for and I asked if there is any way I can put a hold on it. I already was pre approved with XXXX XXXX XXXX XXXX and was ready to purchase a vehicle. XXXX said the only way to know I'm serious is by pulling a soft credit on me and they would keep it until Saturday. I said that's fine. She sent me a link through text and I entered my info. It looked like the KIA website but it was actually sent to other locations because i received other calls from creditors. When i told XXXX I was done she told me the price and i told her I was no longer interested. I then started calling other KIA 's. I called one in XXXX and they had the car I wanted. I told them I ran my credit already with KIA so you should be able to see my credit report ... would you be able to hold it? They said no because I did it through the XXXX website. I was furious because I had told XXXX i had a loan already and i figured this was only going to KIA. She didnt explain to me that it was going to other lenders. The XXXX agent also told me they dont hold cars by pulling 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 2023-09-07 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: VA

Complaint narrative:
XXXX XXXX XXXX  Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. 

After asking for method of verification from XXXX, Experian, and XXXX whom have failed to provide any response. This account is reporting inaccurate according to the Metro 2 Compliance Standard. 

After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. 

I also mailed XXXX XXXX XXXX and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. 

I have attached below all Exhibits Certified Mail sent to data furnishers of information below. 

This account needs to deleted from my account because it is incomplete and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation