vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX 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 XXXX 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 XXXX 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 .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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 2022-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
Hi. My name is XXXX XXXX. My Mom had numerous annuities with First Citizens Bank with me being the sole inheritor. They are all gone, there is nothing left in any of the annuities in my name. First Citizens Bank let my sister XXXX XXXX illegally use Power of Attornet to steal my whole inheritance. I have an attorney and one was appointed by the XXXX XXXX XXXX to be Adminitrator and First Citizens Bank is stone walling the information that the Attornies need to bring a law suit against my sister and possibly First Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Despite the death of my wife, charges were made to her account. Over several months attempts were made online and via phone calls to dispute the charges and refund the money. Charges were eventually reversed. The bank refused to release the money despite providing a death certificate by mail and a copy of the death certificate via online. Today the rep requested proofs of payments by showing my bank statements. The rep acknowledged there is money in the account. 

I am getting runaround dealing with different representatives of the bank from the end of XX/XX/2021 to now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have constantly sent dispute letters for the last 3 months to all three credit bureaus concerning two accounts. XXXX XXXX and XXXX XXXX. XXXX XXXX continues to report different closing dates and last pay dates. I have gotten responses that the account is accurate and verified, which is absolutely false. XXXX XXXX continues to report inaccurate late pays including two 30 day late pays, one in XXXX and the other in XXXX of the same year ( 2019 ), and two 120 days late in XXXX and XXXX of the same year, while the other bureaus report different information as well.

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 2022-05-17 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: MO

Complaint narrative:
I have constantly sent dispute letters for the last 3 months to all three credit bureaus concerning two accounts. XXXX XXXX and XXXX XXXX. XXXX XXXX continues to report different closing dates and last pay dates. I have gotten responses that the account is accurate and verified, which is absolutely false. XXXX XXXX continues to report inaccurate late pays including two 30 day late pays, one in XXXX and the other in XXXX of the same year ( 2019 ), and two 120 days late in XXXX and XXXX of the same year, while the other bureaus report different information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
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 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 an 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 explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I initiated a request for refinance, with the assistance of my son, from Finance of America via XXXX XXXX, with XXXX XXXX as Loan Officer. Over a number of weeks, I complied with every document and information request, giving access to the whole of my financial identity, as well as payments to XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX as I was instructed. Those payments, {$750.00} and {$200.00}, respectively, were confirmed as received by XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX. Awaiting appraisal of my property at the end of XXXX, we expressed concern about my rate lock. XXXX reassured us, stating that she had spoken with XXXX and he said FOA would abide by the originally stated rate of 2.99 %. The appraisal was completed on XX/XX/XXXX with my copy received XX/XX/XXXX, and all requested requirements to move to close were met. Six weeks later no further information or updates provided, except for duplicates of the same appraisal report, so I expressed my anger and concern, and requested the status update from the 3 FOA employees involved ( listed above under initial filing ) on XX/XX/XXXX. No response. After numerous phone calls to XXXX XXXX she advised my son on XX/XX/XXXX that she just required my updated paystubs and we would move to close in XXXX. I submitted the next day and nothing. 
XX/XX/XXXX, XXXX months after initiating this refinance, I sent another email as a precursor to initiating more formal and legal action. This time XXXX XXXX responded that he was reassigning my file to XXXX XXXX. However, it is now apparent that this was a deceptive and fraudulent exercise on his part as he obviously had no intention of abiding by the original terms and was perpetuating the illusion that this was just a further extension of the initial processing. He continued, along with XXXX XXXX, to solicit duplicated documents and another credit check in spite of my stated concerns. Part of the process to update I was told. After 2 more months of paperwork and signatures, XXXX XXXX who was anxious to discuss on the phone before committing in writing finally unveiled his offers to accommodate the failure of his processing which essentially exceed my current rate by .5 % to 1.25 % with other nonconsequential gestures listed. How arrogant to put his self-interest based nonsense before me after all my wasted time and opportunity. No effort to address my costs and losses due to Finance of America employees.

My current mortgage is at 4.375 %, my credit score in the very good to excellent range, and my home appraisal over double the amount owed on it. This refinance was never due to need, could have been transacted with any other lender, and was initiated to take advantage of optimal rates which were still available well after my paperwork was completed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX 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 XXXX has me at a score around XXXX. 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 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 XXXX. 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 XXXX n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 2022-05-17 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I sent a letter to the company to correct or remove the account. I had the Credit Bureaus contact the company to remove the balance or remove the account in full. I know according to the FCRA I have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account.

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 2022-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID

Complaint narrative:
For the last 36 months I have tried to modify an existing loan with Select Portfolio Servicing, Inc, XXXX XXXX XXXX, UT. Exorbitant costs associated with owning the property and the hit by Covid 19 contributed to the request for loan 'modification. ' A hardship letter was sent many times to SPS. The company has consistently applied deceptive financial practices, promising a " modification '' and actually stating many times in writing that a " completed mortgage assistance program '' was approved and in existence ( last date was XX/XX/XXXX ). Yet a short time later, the company requests more documents be sent to complete the process. A deadline for additional needed documents was given ( this same information had been submitted and received by the company countless times before ). In this case, a copy of a social security card was requested by XX/XX/XXXX. Said social security card copy was " faxed '' and received by the company on XX/XX/XXXX ( documented in fax receipt ). A loss/mitigation specialist was employed by us, by the name of XXXX XXXX XXXX XXXX This advocate had been working this case since XXXX ( while I, the actual loan borrower, had asked for a modification from SPS the year ( XXXX ) prior to that ). In both cases, SPS dragged on and on requesting the same exact information over and over again ( which prompted me to hire an advocate in the first place ). XXXX XXXX XXXX also faxed a copy of the final requested social security card document XX/XX/XXXX. By XX/XX/XXXX SPS provided no resolution to either of us and sent a letter stating that since 30 days had lapsed with no activity, it was withdrawing the mortgage assistance program but to feel free to apply for a " modification. '' What did SPS think we were doing all this time? The loan under SPS does not fall under the usual XXXX federal guidelines. SPS has employed deceptive financial practices. As of XXXX, XXXX, XXXX the advocate asked SPS representative what the " servicer guidelines are for modification? '' The SPS representative answered that if the client is " current in mortgage payments '' they are not eligible for modification! SPS will not honor the fact the documents were submitted in a timely manner to them. So while I am experiencing financial hardship and need help ; SPS will not give it if I keep paying the loan. Yet SPS puts in writing ( XXXX ) that the consumer can apply for a " modification. '' For over 36 months SPS has requested redundant documents, delaying the process, while lying about whether the modification was possible or would ever be approved unless the loan was in default. Not only have years of our lives and financial health been impacted, but SPS has performed malfeasance in its treatment of our modification application process. We have proof and written documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: CA

Complaint narrative:
I still can not view my correct Equifax credit report online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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:
Hi I'm contacting you because as right now Trans Union has just allowed a Company by the name of XXXX XXXX to report to my credit reports. This account was removed from Credit reports over a year ago and I have never been contacted by XXXX XXXX with any validation information from this account. On XX/XX/2022 XXXX removed this company from my credit report. As of today trans union as has added in back on. Ive been a victim of Identity theft and have been working really hard to build my credit and this type of mistake cause me extreme distress. 

the FTC number is XXXX and the last complaint that was filing on XXXX is XXXX Please have Trans Union Promptly remove this information from my credit reports! 

Ive tried to speak with someone over the phone but they ignore my request.

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 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
reference : Citi ( R ) Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX My XX/XX/2022 Citi Cards bill had a {$790.00} charge on it that I did not make. It was a charge made at XXXX. As soon as I realized the problem I reported the issue to Citi Cards phone support.. In the phone conversation I stated that I did not order the product ( s ) nor did I receive them. I also stated that it appears that someone " hacked '' my Citi Card credentials and made the purchase. 

I received a rejection of my complaint, detailing that the product had been delivered to an address in south Florida and therefore Citi was not responsible. It appears that the phone support person filed this as product not received, not a fraudulent charge. I replied to this, attempting to correct the error. 
attachment -Reply to Citi rejection XXXX details what Citi found attachment -First Billing Dispute Email Reply XXXX details my reply Via USPS mail I received the last rejection stating that they were rejecting my claim because I had initially reported it as goods not delivered and not a fraud claim. 
attachment XXXX is the letter rejecting the claim on the basis of the incorrect claim type. 
attachment -Final Billing Dispute Email Reply XXXX My protest letter to the billing dispute rejection. 

I received a final letter from Citi stating that I had run out of time according to Master Card rules. 

Each communication that I have made with Citi has been in a timely manner, upon receipt of paper communication from them. This matter should have been resolved in XXXX or at least by XX/XX/XXXX. Please 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 monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was charged by USAA for a fee because a payment came on the SAME DAY, and AFTER THE PAYCHECK was in there. 

I feel like they are picking on people with XXXX XXXX XXXX, like XXXX. Funny, since they serve a ton of veterans. 

I also have had them deduct two fees for my employer checking if my bank account was working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I sent a letter to the company to correct or remove the account. 

I had the Credit Bureaus contact the company to remove the balance or remove the account in full. 

I know according to the FCRA I have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account.

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 2022-05-17 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I sent a letter to the company to correct or remove the account. 

I had the Credit Bureaus contact the company to remove the balance or remove the account in full. 
I know according to the FCRA I have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account.

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