vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: 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 NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a 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 explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I sent my son {$3500.00} from XXXX thru XXXX to his account with USAA. 
He has NEVER received the money in his account! 

XXXX has completed their investigation and has stated that USAA told them the money went into my sons account. The money in NOT in there and the money has NOT come back to my account. 
This is contrary to the documentation from XXXX ( attached ) stating that the transaction failed. 
Now I am filing a complaint against USAA as thy are saying the money was put into his account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: PA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
DEPT OF EDUCATIONXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history DEPT OF EDUCATION/XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have told LVNV FUNDING LLC to cease all communications with me in regards to the following alleged debt. Account # : XXXX. My request to cease all communication did NOT include communicating by responding to a cfpb complaint. They are still choosing to violate federal law by communicating with me. The Fair Debt Collection Practices Act ( FDCPA ) defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is a indirect medium to which they are choosing to communicate with me. In other words, they are willfully violating federal law and to be more specific, 15 U.S. Code 1692c. Along with other FDCPA laws they are violating my right to privacy as a federally protected consumer. I respectfully ask the cfpb to help cease all this communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I noticed I had a charge on my card to a company called XXXX. I have never heard of this company and I was charged {$29.00} once in XXXX and again XX/XX/15 at XXXX am. I also have another unauthorized charge for {$26.00} at " XXXX XXXX XXXX XXXX XXXX XXXX ''. When I typed in this address it was for a XXXX pharmacy in XXXX, I live in XXXX  and I have never even been to XXXX. I am unsure if both of these charges are the same person, but I think it may be safe to assume that it is. When I went to call this location, the call went straight to voicemail. 

When I called the XXXX company I was able to connect with someone who helped me tremendously. He found my card that was charged and provided me the email that was used along with my card information to make the account. The email is not one that I recognize and neither was the name that was provided on the account. He refunded the {$29.00} charge for XX/XX/15 as this was the only one he could refund which I appreciate tremendously. He also canceled the account that was made with my card information and took my email so that he could forward me the cancellation which had the information used to make this account. 

The information is below ; Name : XXXX XXXX Email : XXXX Phone : XXXX I know these things are usually hard to track down but I want to report it because this could have been horrible for me. I make a little over XXXX a year so I do not have the funds to fund a scammer. I woke up with {$1.00} in my account and I am lucky that I was able to get something back. 

I also took a look at the reviews for the XXXX pharmacy and everyone is commenting about money being stolen from them. This would be a good place to check and see what is going on. 

I appreciate all of your time and help and I hope whoever is reading this has a wonderful day today, thank you for all that you do! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX Or a 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 2023-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NVR INC.
State: GA

Complaint narrative:
I applied for a mortgage with NVR Mortgage Inc to purchase with their sister company XXXX XXXX XX/XX/2023, I received an initial disclosure and made mention to the sales agent XXXX XXXX for the sister company I would not be able to come up with the funds disclosed in that initial disclosure, she then had XXXX XXXX reach out to have a conversation with me about this where I made note to him I would not be able to accomplish what the initial disclosure was requesting he assured me that was not accurate and he would get things to work. On XX/XX/2023 i received another loan disclosure from XXXX XXXX the loan officer to which I needed to sell my car and/or pay off a loan to be able to qualify for the loan, I made attempts to get quotes on my car to which was too expensive and I further realized I would need my car for medical purposes. We then discussed trying to add a coborrower to try and qualify to which we did try to add XXXX XXXX on XX/XX/2023, on XX/XX/XXXX we switched from a ready to build home to a ready to move in home, and the process sped up, on XX/XX/2023, we received a further disclosure which again required me to pay off debt and bring a certain amount to closing to which I again told XXXX I was unable to meet, we notified NVR Mortgages and XXXX XXXX of this on XX/XX/2023. At this time after speaking to my realtor, we decided to terminate purchase since I was unable to meet qualifying/closing terms of the loan. NVR Mortgages inc in partner with their sister company refused to provide me with a loan denial letter per federal law which would state i was unable to meet loan requirements ( lower DTI and bring closing funds ). This therefore has allowed their sister company to state I defaulted on contract to purchase home in termination of the contract thus keeping my earnest money of {$7700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Sleep Number Credit Card with Synchrony Bank. 
Payment is made monthly on time and for an amount greater than the minimum amount. Payments are due the XXXX of the month.. In XXXX, payment came in 1 day late due to XXXX XXXX weekend. For this 1 day late Synchrony has charged : -Charged {$30.00} in XXXX for late payment -Charged another {$41.00} dollars for late payment in XXXX even payment was on time and above the minimum. 
-Charged another {$41.00} dollars in XXXX for late payment even payment was on time and above the minimum. 

Synchrony offered to reduce some of the charges, but I refuse to pay any of these charges as I have paid on time and above my minimum payment every month. This is usury.

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 2023-11-15 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-11-15 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, Equifax is holding my credit score XXXX. I have tried to unfreeze my credit to open a credit card. I called Equifax to do this, but they refused to do anything until I mail my social security card, driver 's license, and a written letter, and then wait 7-10 business days. 
I am not comfortable mailing such sensitive documents to the company using snail mail. They refused to provide any solutions other than the one I outlined above. 

They are extremely not forthcoming about what happened. I think part of the issue is that I moved twice this year. They tried to verify my address, but I might have told them addresses that did not match their files exactly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Momnt Technologies, Inc.
State: MD

Complaint narrative:
I was receiving XXXX treatment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Checks were made out for Momnt account and the check were cashed and XXXX XXXX Closed with completing the treatment. I received a letter from XXXX XXXX stating I can get a refund, But they never forwarded the check to Momnt they cashed them. Now I can't get a refund. XXXX check from XXXX XXXX XXXX XXXX for XXXX a piece. Total XXXX The check were cashed at XXXX Bank by someone name XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Hi, Ive been trying to make a payment to my mortage for the last 2 months either online or on the website. Neither place can I make the actual payment. Ive tried to call on numberous occasions. Everytime I call after work, the phone is on hold forever and then the line disconnects or I get through and they say " sorry we cant access your account right now we are have techinal difficulties ''. A few months ago, I was in the middle of doing a hardship modification loan and I had to pay XXXX payments on time, which I did. Then they would finish the process and secure the modifiication. During the process the mortage company looks like it was bought out or changed hands with a bank with a similar name and now my account is all messed up and it says I owe XXXX payment each month. I know this amount is not correct, and there is not XXXX at the bank to fix it. That is why I am filing a complaint. I can not get in touch with anyone at the bank and can fix it. 
The company was XXXX XXXX XXXX XXXX and new company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: MN

Complaint narrative:
All three credit reporting agencies dropped my credit rating by XXXX points because of credit cards issued for 0 % loans on one off purchases. In the case of XXXX XXXX, it was a Heating and Air Conditioning for a home, and for XXXX XXXX, it was a XXXX XXXX XXXX. The credit reporting agencies treated these transactions as maxed out credit cards and proceeded to penalize me by substantially reducing my XXXX scores. Why weren't these long term 0 % loans reported as installment loans. The system of credit reporting relies on a XXXX company, as gospel in the industry. I believe that the XXXX XXXX model is flawed because it does not take into account situations as stated above.

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 2023-11-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GATEWAY FIRST BANK
State: CA

Complaint narrative:
I had a back taxes so the mortgage company raise my mortgage at the extra {$300.00}. I informed them the {$300.00} was too much money and Im on a fixing car. They claim to have XXXX year to fix it. I talk to the representative last week and they told me they can continue taking the money up until XXXX  of XXXX excuse me XX/XX/2024 what year is XX/XX/2024 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: MI

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 Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: Experian Information Solutions Inc.
State: MI

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  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 explanation