vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 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: AL

Complaint narrative:
First off I am a real person not a 3rd party person or company but I'm and a 2nd year LAW student who is studying consumer law so I know a little bit about what I'm speaking about. In accordance with the Fair Credit Reporting Act the following accounts are a violation of my rights under section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days upon notification from the consumer. It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. No consent is identity theft. FEDERAL LAW OVVERIDES any company policy! 

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

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 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Our home burned down in a wildfire in XXXX of XXXX. Our homeowners insurance paid the claim to XXXX XXXX My mortgage was sold in XX/XX/XXXX. By XXXX XXXX to Mr Cooper, a brand name for nationstar mortgage. 
XXXX neglected to turn over any documents regarding our insurance money. There is a balance of approximately {$110000.00} dollars. Mr Cooper acknowledged the amount, but will not release the funds based on lack of information from XXXX. So starting from scratch, I with the help of my insurance company and contractor forwarded all the documents necessary to release the funds. 
This process started XX/XX/XXXX. I have called mr Cooper several times a week since XX/XX/XXXX. 
Im told that they are waiting for the back office to make a decision. Each week Im told the same thing, its under review and should have a decision in XXXX to XXXX business days. That was about XXXX weeks ago. 
My home is very close to being finished. I had to borrow from my retirement account to make a partial payment of {$60000.00} dollars. My contractor has asked for a payment of {$91000.00} dollars. This is causing a great hardship for me and the contractor. I dont know what else to do. Hopefully you can help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: CA

Complaint narrative:
I DO NOT have an account with Chime or The XXXX Bank. However, I have received text messages from them saying my " Chime account is ready '' and to set up the app. Then a couple weeks later, I got another text message to my phone saying " Your Chime Visa Debit Card was delivered in a bright green envelope. '' I panicked because I didn't sign up for an account with this business and was immediately concerned there was possible identity fraud in progress. A few days later there was a " bright green '' envelope from Chime in my home mailbox and it was clear there was a plastic card inside. When I opened the item. there was what appeared to be a debit card with my name and an account number and expiration date. There were directions which stated " Activate your card and set up a pin in the Chime app ''. Then is also stated " Set up Direct Deposit with Chime & get paid up to 2 days early ''. It had The XXXX Bank information and account information for the direct deposit info. Again, this was deeply concerning because it was unsolicited and from an institution that I do not do business. I was very concerned that the was a possible fraud action by someone and immediately ran credit reports to may sure someone was not trying to open accounts in my name. These companies ' XXXX ChimeXXXX Bank XXXX practices are unethical are XXXX. They should not be sending debit cards with account out to people that did not request them. We have a problem with mail getting misdelivered ALL THE TIME. What if this had been put it the wrong box? Someone would have had a access to a card and my information. I have tried to get in contact with Chime via email, but all I have gotten is auto messages or messages asking for my personal information and " account info ''. They just need to stop this practice!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: MS

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
We really need your help and intervention with my foreclosure matter. We know our house is being illegally and fraudulently stolen from us by the use of fraudulent information put forward by BSI Financial Servicing operating as POA for Plaintiff in our foreclosure case. There will be a ruling on this in XX/XX/XXXX. The enforcement action you have taken against XXXX XXXX XXXX XXXX proves they are behind the scenes of an illegal Foreclosure taken place on our home. We have been fighting a foreclosure since XXXX. The case is in XXXX XXXX Florida XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE FOR THE XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX plaintiff is now XXXX XXXX I trust which is the same entity. The originating bank, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX in XXXX. FDIC took over. I won the first foreclosure, and it was found at trial that XXXX XXXX XXXX XXXX XXXX couldn't provide 4 years of payment history and did not they have the Promissory Note. They refiled the Lawsuit in XXXX. I just had my second day of trial XX/XX/XXXX, and the Judge is allowing us to write our Final Judgement. I just found out about enforcement action being taken against XXXX XXXX. XXXX XXXX was the document custodian behind the scenes in the securitization of my mortgage. See SEC filing of the Master Purchase agreement.https : XXXX. 
Furthermore, The FDIC set up a private portal with information pertaining to the origination of my mortgage. I have all the documents to give you. They revealed that # 2 loans were originated on the same day and the 2nd loan number had been paid in full. Plaintiff is putting forward a mortgage with the 2nd loan number on it that we never signed nor was recorded in the land records, this loan is the one the FDIC says is paid off. FDIC provided me with a copy of the original Promissory note with no endorsements. Furthermore, they have brought into the court the Promissory note with a Fake photocopy of an interest only addendum attached. This is further proof of trying to foreclose on a 2nd loan. We need your intervention in this matter. Please let me know how to give you the supporting evidence of this. We need compensation for the fraud that is being committed and should be award damages. BSI Financial Servicing is the Servicer and POA for Plaintiff in my case. They have already admitted to you one other time i filed a complaint of changing the terms of my loan before the due date. TILA violation. 
We appreciate all your help in this matter. 
Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX XX/XX/2022, I requested the " METHOD OF VERIFICATION '' on the alleged accounts on my consumer report. I recently Challenged this account with the consumer reporting agency, stating they have " verified '' these accounts. I requested the " METHOD OF VERIFICATION '' with Innovis Consumer Assistance, with no response or explanation to this matter. Everything on a consumer report must be accurate and complete. 

15 USC 1681i ( Procedure in case of disputed accuracy )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/2022, someone opened an AFFIRM line of credit ( {$2300.00} ) in my name. I spoke with customer service with AFFIRM on XX/XX/XXXX after making a check of my credit report because I am in the home buying process. I was informed by AFFIRM that this is line of credit was obtained online by using my social security number. I was told that someone had been paying off the line of credit but stopped in XXXX. 

I have no knowledge of what AFFIRM is. 
I have no knowledge of who could have used my social security number. 
I did not personally take out any line of credit with AAFIRM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I have tried to talk to a supervisor and they hung up. I have told them to put in my record for any extra payment should be going to the principal and since I pay about every two weeks that the interest and principal should be different

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: FL

Complaint narrative:
I disputed the accuracy and completeness of this account on XX/XX/2022 DISCOVER BANK certified and verified that the information being reported is accurate. After DISCOVER BANK verified the information as being reported accurate, I pulled my Experian consumer report and noticed that the information is still incomplete and inaccurate. It's clear that DISCOVER BANK failed to conduct a reasonable reinvestigation. This is a failed requirement of Regulation V under 12 CFR 1022.42 and a violation of 15 USC 1681s-2 ( b ) of the Fair Credit Reporting Act and XXXX XXXX  XXXX is liable under 15 USC 1681n and 15 USC 1681o .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I noticed that both my business and personal checking accounts were no longer present in the app. When I went to a branch I was told to call a number, when I called it was the risk management and no one is telling me a reason why my accounts are closed but I was told they are being closed due to them no longer wanting to do business with me. My account was in the process of being closed, I tried to get an understanding of what was going on but no one at all would explain or help me understand. On XX/XX/XXXX I spoke with a regular rep and a sup and was told by the sup that the account was technically still active and I could withdraw the funds. It was XXXX at that time and my local branch didnt open until XXXX. I arrived at the bank around XXXX and waited until they opened. At XXXX I entered and was told the account was not inactive and I could not do anything about it. I was advised I would receive a check when the account was fully on XX/XX/XXXX!!! As of XX/XX/XXXX I have no way to pay my employees on XX/XX/XXXX or funds to conduct business

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 2022-12-21 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: MD

Complaint narrative:
I XXXX XXXX XXXX DISPUTED : XXXX. XXXX XXXX XXXX XXXX  ON XX/XX/2022 I SENT EQUIFAX A CERTIFIED LETTER REQUESTING THE Method Of Verification Using FCRA 611. I RECEIVED XXXX LETTERS DATED XXXX XXXX, NONE OF THE LETTERS CONTAINING THE INFORMATION REQUESTED. 


EQUIFAX HAS YET TO RESPOND WITH ANY OF THE INFORMATION I REQUESTED. 

AND THE XXXX DAYS THEY HAD TO RESPOND HAS EXPIRED EQUIFAX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BY FAILING TO PROVIDE ME WITH THEIR METHOD OF VERIFICATION. THEY ARE ALSO IN VIOLATION OF SEVERAL OTHER LAWS LISTED BELOW : 15 U.S.C 1681 a.1.a 15 U.S.C 1681 ( a ) ( 4 ) MY RIGHTS TO PRIVACY 15 U.S.C 1681 ( b ) DID NOT USE MANNER WHICH IS FAIR AND EQUITABLE TO I THE CONSUMER IN REPORTING NEGATIVE ALLEGATIONS WITHOUT WRITTEN PERMISSION. 

15 U.S.C 1681b ( a ) ( 2 ) NEED WRITTEN PERMISSION 15 U.S.C 1681 ( n ) - Civil liability for willful noncompliance. 


SECTION 609 OF THE FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] THEY WERE ALSO GIVEN 15 DAYS TO RESPOND. The FCRA says that you have to tell me this in 15 days if I ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I created a new business checking account with Wells Fargo. I created this account in person, in the XXXX XXXX location in XXXX, Oregon. 

I then logged into WF online banking to transfer funds into this new checking account. As instructed by the rep at WF bank, I used the transfer feature within the app. I linked my XXXXXXXX XXXX business checking account to the new WF business checking account. Small amounts were deposited and withdrawn, and I confirmed these amounts in online banking to finalize connecting the XXXX accounts. 

I then requested a transfer of {$10000.00} USD from XXXX to WF. A popup told me the request was submitted, and that the transfer would be complete in XXXX business days. I checked periodically and can see that the {$10000.00} was deducted from the XXXXXXXX XXXX account on XXXX XXXX, 2022 - but that it never landed in the WF account. 

When I called XXXX about this on XXXX XX/XX/2022, they confirmed that the {$10000.00} is in fact gone and has been pulled from my account. When I explained the situation, they insisted I call WF to have them return the money. They also explained that without a XXXX ID # they couldn't give me much more information. They explained that we couldn't reverse the XXXX, since it was initiated from within the WF online banking program. 

When I called WF on XXXX XX/XX/2022, they insisted that there was nothing to refund, as they never received the {$10000.00}. They refused to share with me the XXXX ID #. I spoke with XXXX, who placed me on hold for over XXXX hour and XXXX minutes, without much progress. He explained that on WF 's end, it shows that my transfer request " was cancelled by a banker before XXXX '' and that the transfer was " declined, '' but no reasons for these actions were given. After almost XXXX hours, XXXX said an investigation would occur and gave me the case ID # XXXX. He said I'd get an update " with the status of your investigation within XXXX business days. '' So as if this moment, {$10000.00} USD of my business ' money is lost in limbo.

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 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase bank in XXXX XXXX XXXX refused to cash my check because I didnt have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: GA

Complaint narrative:
Hello, My name is XXXX XXXX. I have gathered the following information from my XXXX, Transunion, and XXXX credit reports. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX ( XXXX ) ... all have violated my rights as listed below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 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: GA

Complaint narrative:
Hello, My name is XXXX XXXX. I have gathered the following information from my XXXX, XXXX, and Experian credit reports. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX ) XXXX XXXXXXXX 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 XXXXXXXX ( XXXX ) ... all have violated my rights as listed below.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 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:
EQUIFAX, XXXX, and XXXX XXXX XXXX  are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 15 USC 1692g as well as 15 USC 1692j, I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXX XXXX XXXX they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between us. They have not provided any judgements made or any original notes .This is directly impacting my life as I have been denied for credit because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I borrowed XXXX from ace cash express my loan was due every 2 weeks since Ive been paying loan the associate XXXX has been giving me miss information on loan. He tells that I borrowed more than what I applied for then tells me Im sorry and then tells me my loan was paid off when it wasnt. I made a payment on loan XX/XX/XXXX he tells me my next payment is due on the XX/XX/XXXX which I have on receipt I called the company they did about it and realized that it was there problem and told me it was a system problem for something that wasnt my fault after I was telling them for days what happen. So now Im taking heat for something that he made error with and this is unprofessional.

Company response to consumer: Closed with explanation