vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: CT

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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: CT

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. 

Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, owner of the house XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I bought from XX/XX/XXXX, to the present and have never purchased insurance from XXXX  company, but XXXX  company reported it wrong with this person whom I never knew : XXXX XXXX Date of Birth XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX claim number : XXXX. 


I received notice from my insurance company that someone reported a fire and took insurance money from a XXXX XXXX XXXX XXXX. I confirm that I have never bought insurance from a XXXX XXXX XXXX XXXX So please recheck and remove this case and investigate the person who fraudulently reported it. I have attached information to this email and please see it. Thank you and look forward to receiving your earliest response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
I sent a wire transfer for the payoff amount provided by loan depot on their payoff request statement in the amount of {$13000.00} on XX/XX/2023 at approximately XXXX XXXX cst as per their instructions with the proper documentation. 

On XX/XX/2023 I was notified by a loan depot representative that I needed to wire an additional {$1500.00} to satisfy the loan. 
So wired the additional {$1500.00} on the same day XX/XX/2023. 

I was then told by a loan depot representative on Friday XX/XX/2023 that the funds had been received, however, the funds had not been applied to the loan. 

I proceeded to ask for the funds to be applied to the loan. The loan depot representative responded and stated the funds would then be applied and I should receive a letter showing the payoff to be completed within XXXX business days. 

One week later on Friday XX/XX/XXXX, I called to check the status of the loan as I had not received notification of the loan being paid off but a late payment notice. The loan depot representative assured me the funds were being applied and to not worry about the late notice. 

Today, XX/XX/2023, at XXXX cst. I called to check the status of the loan and the representative said I needed to request a new current payoff amount and wire that full payoff amount as they rejected my original wire in the amount they asked me to pay. I notified the loan depot representative that I had not received any of the the money ( {$15000.00} ) back I had wired. 

I proceeded to ask when they sent it back and the loan depot representative could not answer. 

I am sitting in my bank now with all of the paperwork from both wire transfers and the bank verified the funds have not been returned or rejected. 

I feel like I have done everything correctly in including sending multiple wire transfers at {$20.00} each due to what appears to be their mistake. I have been robbed of {$15000.00} and am powerless to do anything about it. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: Harley Davidson Financial Services Inc
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE UPDATE MY PERSONAL INFORMATION AND PLEASE UPDATE THE ACCURATE ONE.

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 2023-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After banking with Chase over XXXX  years the bank closed all my accounts and refused to provide an explanation. In my Savings account I maintain Substantial balance over the course of years. Recently I started XXXX XXXX XXXX XXXX withdrawing large amounts as well making a deposit using a Cashiers Check from another financial institution ( money from XXXX ). All transactions were conducted with Cashier 's checks. Never had any overdrafts or any type of fraud. This cause me to rush and transfer funds to another financial institution. An explanation would have been appreciated. My credit card was also closed which will affect my XXXX score. I am not sure what if anything could be done I believe Chase discriminated against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint narrative:
1- XXXX XXXX XXXX XXXX XXXX authorized by the XXXX XXXX XXXX with firm reference XXXX ) Initiated a XXXX wire transaction of mine by their partner bank XXXX XXXX XXXX as real sender bank ) / XXXXXXXX XXXX  ( as senders correspondent bank ) through invalid receivers correspondent Bank ( Bank of New York Mellon-USA ) which is not the formal Beneficiarys correspondent bank for XXXX  transactions of my beneficiary bank ( XXXX XXXX XXXX XXXXXXXX XXXX as per my beneficiary bank also as per third party XXXX route tracking service ( XXXX  ) and failed to deliver it to my beneficiary bank account with following payment details : XXXX : XXXX Reference # : XXXX Dated : XXXXXXXX  Amount : XXXXXXXX XXXX XXXX I asked the Bank of New York Mellon XXXX XXXX XXXX XXXX XXXX ), in its alleged capacity as the beneficiary 's correspondent bank, to show a receipt from the beneficiary 's bank or the next bank to BNY Mellon in the XXXX route that received the transfer from them ( My request was evaded ).

3- Instead of showing the receipt, they asked me to write to the beneficiarys bank and order them to send XXXX messages to BNY Mellon Bank XXXX As a matter of repetition, I sent their request to XXXX XXXX XXXX, which responded that it was not possible to contact them through the XXXX network because they were not their correspondent bank. 

4- So, I accuse BNY Mellon bank of misleading justice , causing intentional harm, delaying the arrival of international transfer. 

Evidences attached with this complain ( XXXX ) including but not limited to the following : XXXX XXXXXXXX - BNY Mellon Bank correspondences with me. 
XXXX XXXX - XXXX XXXX correspondences with me XXXX XXXX-Third party tracking service-The neglected proper USD GPI route -Payment XXXX status XXXX XXXX - XXXX XXXX  statment-XXXXXXXX XXXX XXXXXXXX transaction invoice and XXXX sample

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These companies are in violation of FCRA 15 USC 1681. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated immediately.

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 2023-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAROLINA FINANCE, LLC
State: NC

Complaint narrative:
failure to file 1099-C Failure to follow GAAP ( Generally Accepted Accounting Principles )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MoneyLion Inc.
State: TN

Complaint narrative:
I transferred money to a new XXXX and after 4 days I have not been able to use the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is a credit inquiry that I don't recognize from chase banking

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation
State: CA

Complaint narrative:
Albert app overall is extremely misleading in terms of what consumers are signing up for, and they are also not allowing me to close my account, even after Ive requested 3 times today in writing via email. Im happy to provide my emails back and forth with them as evidence. They told me I have to pay my {$150.00} salary advance back plus fees, and then said only after that will they assist me in closing my account with them. Based on their Terms and Conditions, it doesnt seem as though Im legally obligated to repay their salary advance, and it also seems that they should not be able to engage in any sort of debt collection practice or outreach to make me repay. I do not trust this company, and want my account and information associated with them deleted immediately. They are also not acknowledging that I sent them a request in writing to revoke authorization for any and all future charges from my checking account or debit card. I sent them 3 emails today ( which is more than 3 business days prior to the next scheduled debit, which was for XX/XX/15 ), asking them to acknowledge that Ive revoked authorization and that they wont be attempting any future debits out of my account for repayments, subscription charges, or anything whatsoever. They keep replying back and not directly acknowledging my request. They change the subject and say they can turn off my XXXX XXXX transfers if Id like, or that they will cancel my XXXX XXXX but they havent directly acknowledged my revoke authorization request, even after Ive emailed them 3 times about it today, Albert advertises up to {$250.00} salary advance, but that is not actually available. They also make it very unclear that you have to sign up for a XXXX XXXX, which is {$14.00} per month, and also have to participate in a service called XXXX XXXX, where they automatically debit random amounts from your linked checking account, at their discretion. They make it extremely difficult and confusing to cancel these services, and I believe they are operating in a predatory manner and using dark tactics to prevent users from cancelling ongoing charges and services on their app. Can you please assist me in closing my account fully with the Albert app and also get them to acknowledge my revoke authorization request. I do not want Albert Corporation to harm me or any other consumers any further.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/ they have stole my identity. I have uploaded a court document. They also said they verify this information by the court.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: HI

Complaint narrative:
XXXX I started getting pre approval letters for loans and credit cards at the time late XXXX I maybe applied for 4 credit cards and 2 loans then took a break due to no getting the guaranteed approval!

But they kept sending the XXXX or posting them on my credit karma account by XXXX I could really have used just one of the offers but instead my score dropped even more. My family and I all use credit karma so its even worse because it was like they just sunk hole ship. Seeing my family and I losing cars houses the cloths on our backs horrible to find out its always been a scam a lie theft of my life!! My familys lifes XXXX animals elderly!!! Physically hurt my family from stress XXXX, XXXX pain, lack of food shelter. My parents cant even look at their own credit anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Subject : Complaint Regarding Recent Credit Application Decision for American Express Gold Card Dear Consumer Financial Protection Bureau, I am writing to express my deep concerns regarding the recent decision on my credit application for the American Express Gold Card. I am the applicant in question, and I am reaching out to seek assistance in addressing what I perceive to be a violation of my rights under the Equal Credit Opportunity Act. 

Believing in the fairness and integrity of the credit application process, I submitted my application along with my social security number, fully expecting a favorable consideration. However, to my dismay, my application was summarily denied. 

I wish to bring your attention to the Equal Credit Opportunity Act, as outlined in 15 U.S.C. 1691c, which stipulates that adverse actions in credit applications must adhere to specific legal standards, potentially resulting in civil liabilities under U.S.C. 1692k. Furthermore, the non-issuance of credit despite my application in good faith raises concerns under 15 U.S. Code 1642, U.S.C. 1681m, and 12 CFR 1002.

The use of my personal information without any corresponding credit extension is disconcerting. To resolve this matter effectively and to uphold the values of American Express, I propose the reconsideration and approval of my application for the American Express Gold Card. Such a gesture would not only address my concerns but also reflect positively on American Express 's commitment to equitable practices. 

I kindly request your intervention in ensuring that the credit decision on my application aligns with the legal standards set forth in the relevant statutes. I am looking forward to a prompt and favorable response. For any further communication, you may contact me via email or phone. 

Thank you for your attention to this matter. 

Sincerely, A worried consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
On XX/XX/2023, I called what I thought was a XXXX XXXX account to tell them of an email I received that there was a charge of about {$600.00}. The person that answered the phone said that I would have to change my XXXX password and that he would help me with that process. I had asked if what he was telling me to do was applying for an Apple Card, that I did not want an Apple Card. He told me no. On XXXX XXXX I got a call from Goldman Sachs Bank asking if I had applied for an Apple Card. I replied no. Explained to her what had happened. They recommended that I contact the XXXX credit reporting agencies to freeze my reports. Also, contact the police for a report so I can send it to them. On XX/XX/2023, I checked my equifax credit report and there was an Apple Card charge on there with a balance of {$5400.00}. After that, I had went online to XXXX and disputed that charge. Monday, XX/XX/2023, I called XXXX to put a freeze on my credit report. Monday afternoon I went the police department and filed a fraud report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: TN

Complaint narrative:
I have sent them my updated credit report which was investigated by XXXX that the apartments had fraudulent activity going on and I did not owe it has been removed but XXXX will not remove so me and my kids can have home again

Company response to consumer: Closed with explanation