vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
In XXXX of XXXX, I inquired to Mr. Cooper about options regarding payment modifications. I was instructed that a loan modification is possible and went through all the applicable paperwork required, and was reassured time and time again that they have it handled, this is common, and it will not impact my credit. 

As of XXXX, after multiple attempts at a resolution, there has been a nonstop barrage of automated phone calls that lead to no one, unanswered support tickets, and no additonal paperwork at the end of the trial payment period modification period. They call every day not to resolve the issue, yet an automated message saying you owe money and to call us back, yet it's always the same answer- you're on a modification. Its fine, and we will remove that from automation. 

It's been reported to all agencies I'm delinquent when I was entrusted to pay a specific amount and not a XXXX more, or it will affect the modification ; I have records of payments each month and never miss a payment. 

While I hope Mr. Cooper 's reassignment of a dedicated specialist in XXXX will resolve this, it has not. It is now the XXXX of XXXX and via the app and website I have no way to make a payment. It says to wait for documents 3-10 business days, and it's been over 15. 

Even now a call in today they can not provide anything written yet I should trust the recorded call. 

If I try and call in its asking me to make a payment that does not reflect any payments made in the trial period and I can not change the amount via phone. 

Please help. 
A tired dad and frustrated homeowner

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony BankXXXX XXXX Credit Card introduced a {$1.00} paper billing fee. However they emailed the change of terms, which ended up in a spam folder. Since this bill is paid automatically each month, I didnt discover the new fee and resulting interest on these fees in my paper account statement until several months later when I was marked delinquent. I called Synchrony & the initial representative was unhelpful. After escalating to the supervisor, he was able to waive the interest & fees ( {$46.00} ).

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I received a text message that said it was from my bank SECU on XX/XX/year> at XXXX XXXX. The text read SECU fraud alert and said unusual activity on XXXX  card and gave the ending card number. XXXX at XXXX XXXX  balance add, XXXX, XXXX. If authorized reply yes if not reply no or call XXXX. To opt out reply Stop. I replied NO and the text went to XXXX. Then five or ten minutes later I got a phone call from a man who identified himself as a SECU rep and said he was going to try to put my money back in my account and needed me to click on my wallet ( XXXX ), I did not have any cards or bank info linked to wallet. I am technology challenged and was freaking out because of the amount of money. He asked me to do all these things with my phone. I called SECU the next morning and told them what happened, and they said it was not them, I read the text back to the person and she confirmed yes that would be the text the real SECU would send. I explained it was not me, and the transaction was still in a pending state, so I asked if they could just cancel or deny the charge. I was told I had to wait the transaction went thru for something to be done, which I did not understand by the way. I filed a fraud report with the bank and the local Sheriff 's office. SECU denied my claim. They said I had to take it up with XXXX XXXX, and they denied my claim within XXXX minuets of my call. The bank should have stopped the transaction before it went thru, especially if they had my police report. I would have never made a claim to law enforcement if it was not true because it is a misdemeanor charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist Bank is offering a {$400.00} offer to open a checking account with them. The terms that apply are, you must : - Use their promo code when opening the account online ( which I did ) - Direct deposit {$500.00} into the account at least once ( which I did, twice ) - Make 15 qualified debit purchases within 90 days of opening the account ( which I did, over 20 purchases ). 
- Must have at least {$.00} in the eligible account and be in good standing ( I have over {$500.00} in the account and it is in perfect standing ) Their disclaimer says that it will deposit the money within 30 days of meeting each of those qualifications. It has been closer to 60 days. 

I called the first time ( on XX/XX/XXXX ) and the person that I spoke to agreed that I had met all of the qualifications and told me my money would be deposited in my account on XX/XX/XXXX of this year. It was not. 

I called a couple days later ( on XX/XX/XXXX ) to figure out why, and had the second representative verify that I met all of the qualifications, but she said that they couldn't find an associated promo to my account and would be putting in notes for someone to investigate. A week later I have heard nothing and no funds have been deposited. 

They have sent me no notifications, digital messages, emails, or direct mail communication.. 

Upon looking online, several other people have claimed the same false advertising. You can see some of those examples on this XXXX post XXXX XXXX XXXX XXXX XXXX This is going beyond a single mix-up and more in the range of class-action lawsuit for failure to agree to terms they set forth.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently reviewed my credit report and found several billing errors. The late payments do not reflect my usual payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
My loans for XXXX XXXX XXXX XXXX XXXX XXXXXXXX fall under the group discharge category for students loans that are to be group discharged per The Dept of Education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After examining my credit report, I identified several billing mistakes. The late payments do not align with my typical payment history.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I appealed a dispute resolution on my credit card for {$1100.00}. We submitted the denial in XXXX of this year and Citi did not contact us about the decision. We called and were told there was an error and it had to be appealed. We appealed it and we just received a letter stating it was denied because " We no longer have any recourse to obtain credit for you since the time frame in which to resolve a dispute has passed ''.

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 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX my husband wrote a check for {$2900.00} from our Joints Account with XXXX XXXX  to deposit it to Wellsfargo to complete funds for my mortgage payment to be drawn, but it was returned on XX/XX/XXXX for non-sufficient funds, after a few direct deposits went through on the XXXX to my XXXX XXXX account, then this same day the check for {$2900.00} was paid by XXXX XXXX  to Wellsfargo. 
However Wellsfargo bank would not make the funds available until XX/XX/XXXX, and also froze a direct deposit from my payroll making shown the account as XXXX balance and withdrawing funds from my husbands credit card account with Wellsfargo that is still linked on my checking account with Wellsfargo and my husband is not even in the checking account with me. 
XXXX XXXX XXXX XXXX phone payment was already rejected by Wellsfargo for non payment that is usually supposed to be drawn on the XXXX and the bank did NOT honor the payment because of the hold placed on the checking account. 
I spoke to Customer Service XXXX named XXXX and finally to an XXXX named XXXX and were able to acknowledge the serious situation where pending payments were supposed to be honored figuring the hold time placed on my checking account but they said they will escalate this case to other Managers and officials about it but didnt promise a quick response or release of the funds until someone reaches back to me up to XXXX business days. So I need help on this because my XXXX XXXX check that was processed to Wellsfargo was not only honored but was paid and drawn from my own XXXX XXXX  Account on XX/XX/2024 and is not yet available in my Wellsfargo account ending in 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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I opened a new account with Chime. I deposited {$50.00}. I used a virtual debit card on the account to order food one time. Later I tried to connect my XXXX XXXX to the account to move the remainder of the money ( only {$13.00} ). Chime wouldn't allow the transaction. I called the bank, I verified my passport, driver license, address, phone number, I received one-time codes, I verified my SSN, I verified transactions on the account along with some other information. I was told that there was nothing that could be done and hung up on. I spoke with Chime following this at least 15 more times. I followed this whole process 15 more times. They tell me every time that there is nothing else that can be done. So, Chime just keeps my money and here I am. This has wasted countless hours of my time and created a substantial amount of frustration. I have begun the process of a civil lawsuit that I plan to see through just FYI. XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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