vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Choice Money Transfer, Inc.

Complaint narrative:
There are people working in various Companies such as XXXXXXXX XXXX XXXX XXXXXXXX XXXX, etc.. are not giving back the money which has been sent to various countries for them to calculate their annual foreign XXXX XXXX XXXX compliant report. Besides some one else is using my personal account in sending money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Gemini Direct LLC, dba Credit Innovation Group
State: CA

Complaint narrative:
To XXXX XXXX and Credit INNOVATIONs Affiliates. Your practices were deceptive XXXX XXXX have told me the total financial obligation that I would incur. Before having me sign the contract. I shouldve have been Forewarned that I would pay XXXX for membership and XXXX would be placed on hold. In addition, I especially should have been Told by XXXX on that phone call that I would incur XXXX on a monthly basis even though YOUR. Services were not guaranteed to obtain permanent housing. 
I would not have signed the contract. 
Per this email cease and desist from the contract and contact. My credit card company will continue to recover the XXXX and XXXX you have received and put a hold on. Cease and Desist from digging into my credit history. I will notify the credit bureaus. I thank SOVEREIGN that I didnt know the routing numbers to the bank. 
Sincerely, XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
Wakefield and Associates mailed me a debt collection letter dated XX/XX/2023. The letter states there are two debts owed to XXXX XXXX XXXX, XXXX in the amounts of {$610.00} and {$23.00}. I have no knowledge of this company! I have never had any business, dealing, transactions of any kind with this company. This debt is not real. Looking online, this seems to be a know scam. Wakefield and Associates, along with XXXX XXXX XXXX are trying to scam money from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
XX/XX/XXXX my social security was deposited into my chime account I had moved it from checking to my XXXX XXXX XXXX. I received a XXXX security alert saying someone was changing phone number to my XXXX to take care of securing my account before I could log in they changed email and password which I couldn't recover then locked me out of XXXX which was changed as well I couldn't recover account then I searched for phone number to XXXX and the number XXXX search results gave a phone number I called they answered XXXX  support I explained they remotely was in my phone and went to XXXX  pay which XXXX was linked to and went to my bank account and transfer money back into checking and then paid themselves from my account.i notified chime and they denied claim said I was apart of it but they never notified me that there was a transaction for XXXX was I trying to pay this person. So right in frt of my eyes it was gone and they won't give it back and I'm afraid it will happen again.. XXXX XXXX XXXX email all cards and no help they made fun of me crying

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting ACT this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Hello, I have purchased XXXX XXXX for my car and had it for 2 years. I completed the insurance in XX/XX/2022 and had a phone conversation with XXXX stating that my insurance needs terminated and I was told I have no money due. I purchased XXXX insurance from XX/XX/2022 and have been with them ever since I moved from my uncle house to my own while they charged me for an extra XXXX XXXX and have been sending receipts to my uncle address but I was never emailed or given a phone call about it. After 3 months they apparently had the information sent to a debt collector who did the same by sending couple mails to my uncle address. 

I recently saw that my credit score was affected and then started to find out what has happened. I spoke with XXXX folks who said that they passed it on to a debt collector so they are not responsible and the debt collector asked me to submit proof 's of the XXXX insurance which I did but they now state that they received an email but want a different letter of proof. I obtained it and wanted to email to them but they now locked my account and told me the only way is by fax or mail. I had XXXX fax to the number which they provided and I was told it was denied. 

I need some help as this has been time consuming while I have proof and want to take care of it immediately but they continue to not listen and give me a hard time Regards

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: CA

Complaint narrative:
I've contacted TransUnion via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested

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 2023-01-27 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: CA

Complaint narrative:
I've noticed a few inquiries in my report that i did not recognize or apply for and I contacted Transunion about the situation and they have failed to provide proof or remove them from my report

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 2023-01-27 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have had XXXX separate disputes regarding loan information being provided by Santander. In each dispute Santander had to update change or correct multiple fields each time. XXXX XXXX  of the changes were to the same fields. Dates and amounts of payments, principal remaining, interest rate, payment history and others. In XXXX XXXX XXXX my principal balance was reported as {$0.00}. The following month it had ballooned to {$12000.00} directly affecting my credit score. The principal owed and payments amounts and dates have been changed or corrected XXXX times. The same fields were corrected XXXX or more separate times. It has directly affected my ability to secure financing. Another financial institution advised me to check the reports being made by Santander. The repeated false information and inability to provide correct information about same items and having to change these items so many times is breaking the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have sent several letters asking this bankruptcy to be verified. I have a letter from the US Bankruptcy court stating they did not report this information to my credit report. When asking to have them verify they continue to send a letter stating verified. I have asked for documentation showing this is my account and nothing has been sent besides a letter stating " verified ''. I have tried numerous times and nothing has happened. The response I get back aren't even where it's possible that they have verified. The response is less than a week between date of them receiving my request and the date of them responding.

I would like it in writing that my account was verified with the US Bankruptcy court, who they spoke with that confirmed this information, with the date and time the conversation was held.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have sent several letters asking this bankruptcy to be verified. I have a letter from the US Bankruptcy court stating they did not report this information to my credit report. When asking to have them verify they continue to send a letter stating verified. I have asked for documentation showing this is my account and nothing has been sent besides a letter stating " verified ''. I have tried numerous times and nothing has happened. The response I get back aren't even where it's possible that they have verified. The response is less than a week between date of them receiving my request and the date of them responding. 
I would like it in writing that my account was verified with the US Bankruptcy court, who they spoke with that confirmed this information, with the date and time the conversation was held.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have sent several letters asking this bankruptcy to be verified. I have a letter from the US Bankruptcy court stating they did not report this information to my credit report. When asking to have them verify they continue to send a letter stating verified. I have asked for documentation showing this is my account and nothing has been sent besides a letter stating " verified ''. I have tried numerous times and nothing has happened. The response I get back aren't even where it's possible that they have verified. The response is less than a week between date of them receiving my request and the date of them responding.

I would like it in writing that my account was verified with the US Bankruptcy court, who they spoke with that confirmed this information, with the date and time the conversation was held.

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 2023-01-27 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1691 prohibits consumer reporting agency from taking adverse action against the consumer for exercising their rights.

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 2023-01-27 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: NY

Complaint narrative:
Transunion keeps on violating my rights to have accurate reporting on my account XXXX XXXX XXXX XXXX. 

On XX/XX/2022, I sent an 8-page letter to Transunion to address many incorrect reported items on my credit report. Many but not all were corrected. Please find attached a copy of the sent I sent via Certified Mail to Transunion. 

On XX/XX/2022, Transunion responded to my XX/XX/XXXX letter alleging that Transunion takes seriously the accuracy of my credit report. On Page 6 of the response letter, Transunion alleges that conducted an investigation and concluded that the XXXX XXXX XXXX XXXX XXXXXXXX account is " VERIFIED AS ACCURATE AND UPDATED ''. Please find attached a copy of the Transunion letter. 

After reviewing my credit report on XXXX, two days ago, I noticed that all three Bureaus have different information for the same account on the following categories : 1 ) High balances 2 ) Last verified 3 ) Date of last activity 4 ) Date Reported 5 ) Date Opened 6 ) Creditor Type 7 ) Account Status 8 ) Creditor Remarks 9 ) Last Payment 10 ) Term Length 11 ) Account type 12 ) Payment Frequency 13 ) Two-year payment history Please find enclosed a copy of my XXXX report where you can clearly verify my statements that all three Bureaus are reporting different information for the same 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 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, we went to use Capital Ones reward redemption platform to use our points to pay for flights to XXXX for later this year. We found flights through XXXX that matched our itinerary on the Capital One platform and that would be eligible to be paid for in rewards points, but it noted that the points would have to be transferred to a XXXX account for redemption. XXXX would not show if the flight would qualify for points until we had an account with them with points loaded in, so we created a XXXX account and that day transferred XXXX points that we planned on using for said flights. 

However, when we went to search for the same flight through XXXX website, it now showed that it was a flight that was ineligible for rewards points usage, contradicting the Capital One website. We called Capital One that day ( XX/XX/XXXX ) and asked them why this was the case, and if they were able to reverse the point transfer since their system incorrectly showed that the flight in question would be eligible for point usage. The customer service agent then apologized, said it was something that would have to be escalated because she was not authorized to deal with anything above XXXX points, and created a case number for us and said she would follow up with more information. 

As of this morning ( XX/XX/XXXX ) Capital One had not reached out at all about the case in question, not even with a confirmation email or phone call to let us know this was in progress. Since we had not heard from them in two weeks, we again called Capital One who denied that a case had been made for XXXX minutes and continued to say that the points were not eligible to be re-transferred or refunded due to their website outright lying about the eligibility of the flight. Then, after requesting to speak to a supervisor ( the second escalation in an hour ) we were then transferred us to a senior account manager who found the case that had been created ( # XXXX ) for reference ) and finally told us that their team was still working on the case and would call us before the end of the business day ( XXXX XXXX XXXX XXXX 

I am writing this at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and no call or email, or contact of any kind, from Capital One has arrived, so I am writing in hopes that the XXXX can help resolve this issue. We are simply looking to get the XXXX points reinstated to our Capital One account, but the stalling and deceptive practices of their customer service team, along with the initial issue of their airline flight system incorrectly showing the flight in question would be eligible for points, has deeply concerned us that we will lose those points forever, as we are trying to use them for a one-time flight for our wedding in XXXX. Please let us know if you can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
With regard to my complaints going back to XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX as XXXX counsel on behalf of Mr. Cooper for the first time disclosed on XX/XX/XXXX that Nationstar had inaccurate allocated {$11000.00} as late fee payment claimed lines XXXX - XXXX of my payment history were " updated '' XX/XX/XXXX in a XX/XX/XXXX account report. SEE ATTACHED prejudicing me in XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX then responded by mail to the CFPB claiming my allegations were false, and on page XXXX in lines XXXX provided evidence of failing to update inaccurate payment allocation to late fees so outrageous that at {$56.00} per month, indicating I had paid for XXXX late fees. SEE ATTACHED on page XXXX in lines XXXX. Without disclosure of this remaining claim for which relief could be granted under 12 USC 2605f1-f4 for violation of 2605e, the FDCPA and the FCRA, XXXX XXXX obtained a contract by Court order waiving my claims and exempting XXXX XXXX and Mr. Cooper for liability in XXXX XXXX, which is unlawful under law leaving me with inaccurate outrageously inaccurate payment history by payment codes of DDDD and CC to indicate false information that is damaging to any other party who may inquire about this prior mortgage as willfully inaccurate excessive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
XXXX I was put on a trial loan modification. I paid XXXX, and XXXX but I wasnt able to pay the third one. A law firm sent me a letter stating they were gon na auction my home off in order to satisfy their clients interest in a pass through trust. They have right to foreclose. I have not signed any contract with them for a loan. Privity of contract states that the only parties that can enforce a contract are the original parties to the contract. They were not a party to the original contract. Even if they bought the loan they stilll have no right to enforce the contract.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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:
See document attached

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