vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: GA

Complaint narrative:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: GA

Complaint narrative:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Unauthorized account was made on Affirm.com. 

Several Affirm.com representatives, along with the merchants highest point of escalation, confirmed the account was unauthorized and fraudulent. Affirm.com also verified that I was not responsible for the loan, and that it was voided. 

Affirm.com is now refusing to provide a refund for the payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a credit card online, i was not sent a letter telling me i was denied. I called the company citi card cbna in XXXX XXXX sd. The auto service told me i was denied. XX/XX/XXXX I never got a letter. This is clearly discrimination and breaking of the laws 15 usc 1611, 15 usc 1640 and 1691e. I would just like to let you know this company has denied a consumer the right to extend my credit, which is clearly something they cant do.

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 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
This is a problem with the app Current, which is Current Bank, or XXXX XXXX XXXX. They lure customers in with high interest accounts, not explaining what those accounts are. I setup an account ( unknown if checking, and/or savings, or both - customer is not told ). Then, in order to get the promised interest rate of 4 %, I need to move money into Savings Pods. Savings Pods only collect the promised 4 % interest rate up until {$2000.00} ( but can be funded limitlessly ). A customer can have up to 3 Savings Pods. Thus, customers will be guided to opening 3 Savings Pods and to deposit the max {$2000.00} in each to maximize interest earned. 

I setup the 3 Savings Pods. I believe the bank is juicing their customer sign-ups- treating each Savings Pod as a new account. Investors will love that growth! The problem is, when I try to move cash out of the account via a pull from another one of my banks, my bank is telling me ( via XXXX ), that my account balance is zero at Current. The reason being my " checking '' account is technically empty, as those funds have been moved into 3 separate savings accounts, or Savings Pods. I do not have those Savings Pods ' routing and account numbers, nor was I ever told these are separate accounts with separate banking information. As a result, I can't set them up via XXXX to initiate pulls from external banks ( for faster recognition of cash transferred ). 

Now, to move cash out, I have to do an XXXX transfer to my external bank, vs using XXXX. 

This bank also lies about cash receipt of customer sent funds. I sent money from my other bank to Current, and the cash was immediately debited from my account ( since it was sent via XXXX  ). A week later - Current still says they haven't received funds. What's even more unbelievable - I sent two payments in one day from my bank. They finally received the {$1000.00}, but haven't received the {$4000.00} I sent literally minutes before. 

The bank is using customer provided cash to fund their liquidity vs them giving access to that cash. 

This bank is the shadiest bank I've ever used, and despite me finally getting my Pods setup and maxed out, I moved my cash out once I saw what they're doing. 

I can promise you they are lying to their investors and saying each customer they brought in signed up for 4 accounts total. Instead of for example, 100 new customers having 100 new checking accounts, they have 400 new accounts. This bank will cease to receive investor funding once their investors realize what they're doing, and the FDIC will be called in to make customer 's whole. I'm not waiting for this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: I.C. System, Inc.
State: NY

Complaint narrative:
I have tried to clear this matter up with this collection agency several times. Ive sent all the information 5 different times in the mail to them to no avail. Their reply is always the same. We did not receive any proof. Ive recently returned to the corporate XXXX store to get proof of all returns. I have attached them also. Their reply is there should of never been any problems. All items were sent back and the account was closed due to the XXXX problems in the area I live in. I have a derogatory remark in all 3 credit bureaus that I would like to have removed.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
These hard inquiries are not mine. 

Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 2022-05-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called Equifax after I purchased a credit report from XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these Account : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX ( Late 30 days XX/XX/XXXX ) / ( Late 60 days XX/XX/XXXX ) on my credit report which is UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have them UPDATE from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to update/correct any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Registration Certificate, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not correcting this account is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I sold my XXXX XXXX XX/XX/XXXX that I got a loan for from Navy Federal CREDIT UNION... I sold the car to a third-party company XXXX... they called over and got a {$23000.00} 14-day payoff from navy federal ... XXXX sent over that full amount and now navy federal is saying they gave XXXX  a 14-day payoff amount of {$23000.00} but still released the title to them after XXXX sent over a check for {$23000.00} now its reporting to my credit that I owe money on the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
Experian is reporting a fraudulent address on my credit file, along with 3 fraudulent hard inquiries, and some fraudulent account ( s ). I have tried disputing this address and accounts with Experian and they do not resolve the problem. I have never lived at this address and all of my information are not linked to this address. It appears to be only XXXX  XXXX Reporting the FRAUDULENT Account 's and fraudulent address, and then Experian is stating they are VERIFYING THE FRAUDULENT ADDRESS. That address hasn't previously been on my file and I HAVE NEVER lived there. 

Hard Inquiries that are fraudulent - XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX. 

Fraudulent Address - XXXX XXXX XXXX XXXX Tx XXXX. 
Fraudulent Accounts - XXXX XXXX XXXX opened XXXX Account number listed on the file. 
XXXX XXXX Account - Opened XX/XX/XXXX Account # XXXX Balance listed as {$2100.00} ( Entire Balance and account fraudulent ) XXXX XXXX Account # - XXXX Balance {$830.00} In addition to the fraud Experian is reporting a XXXXXXXX XXXX  on my credit as previously late now current. The account was never late, In fact XXXX XXXX sent me a letter just last week stating that the late charges were inaccurately reported, and that they confirmed that one of their agent 's had made a mistake with the fraudulent charges on my account and they forgot to remove some of the charges. They ended up removing the charges and then sent me a refund for the other balance which was a credit of {$140.00}. They also stated they would update all 3 credit bureaus reporting the account was never late and is paid and closed. Yet Experian is reporting a late payment which contradicts the company 's letter that was signed and sent to me.

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 2022-05-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX and I submitted a credit dispute with XXXX and after 30 days they have failed to honor my request. Instead XXXX sent me the documentation after 30 days that they believe that this was not me when the dispute came from me with proof of identification documents and failed to open the dispute of items on my credit that are inaccurate and do not belong there. They have violated FCRA laws without processing my dispute and ignored my request with a invalid reason stating that it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX and I submitted a credit dispute with XXXX and after 30 days they have failed to honor my request. Instead XXXX sent me the documentation after 30 days that they believe that this was not me when the dispute came from me with proof of identification documents and failed to open the dispute of items on my credit that are inaccurate and do not belong there. They have violated FCRA laws without processing my dispute and ignored my request with a invalid reason stating that it was not me.

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 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
Monthly escrow payments for taxes and insurance are included in my mortgage payments. 

XX/XX/XXXX I had an escrow shortage ( {$240.00} ), which I paid to avoid increase in monthly payments. 

XX/XX/XXXX I changed Homeowner 's Insurance from XXXX to XXXX XXXX. XXXX increased from {$1600.00} to {$1700.00}. To make up for the difference, I paid into escrow {$330.00} on XX/XX/XXXX. 

XX/XX/XXXX Truist said I had an escrow shortage of {$650.00}, because I needed two ( 2 ) full months in escrow. 

I have paid {$1200.00} specifically to escrow since XX/XX/XXXX. 

XX/XX/XXXX, my mortgage statement says my monthly payments are increasing another $ XXXX. Two different Truist agents on two separate phone calls ( XXXX and XXXX ) tell me that my homeowner 's insurance has increased since I switched to State Farm on XXXX XXXX by {$160.00}. 

I spoke with my XXXX XXXX rep who told me they did NOT increase my homeowner 's insurance!

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 2022-05-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ACCOUNT # 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 2022-05-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ACCOUNT # 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 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX PHH Mortgage took over our XXXX XXXX XXXX Our property taxes were due that month and our statement indicated that {$4100.00} had been removed from the escrow account to pay these property taxes. 

In XXXX of XXXX it was brought to our attention that our property taxes were showing as not being paid and would soon be considered overdue. We reached out to PHH and were told they would research it and get back to us. After 2 weeks of us repeatedly contacting them we were able to have a conference call with PHH and the Tax Commissioner, who had no record of ever receiving their check. PHH assured us a check would be issued and the Tax Commissioner agreed to extend our due date. 

Today we discovered that the taxes have still not been paid and we are about to be sent to collections. After holding for an hour with PHH they assured us that not only had they sent a check to the Tax Commissioner a refund had been issued by the Commissioner to PHH. We again conferenced in our Tax Commissioner and were told that no check had been received and no refund had ever been issued by their office. In addition, the Tax Commissioner informed us that we were not the only PHH customer they were having this issue with. At this point we feel that PHH Mortgage should be investigated for fraudulent practices.

Company response to consumer: Closed with explanation