vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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: AZ

Complaint narrative:
XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX provided statements, but no signed contract between XXXX XXXX XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX has not provided a signed contract between XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report 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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX has not provided a signed contract between XXXX XXXX XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report 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 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: IL

Complaint narrative:
This is about WorldRemit On the XX/XX/XXXX I tried to transfer {$1500.00} money to a family members dollar account in XXXX. The transaction was unsuccessful, I kept getting error messages display on the page about the transaction being declined. However my XXXX checking account was debited immediately. {$1500.00} left my account I have tried repeatedly to call or email WorldRemit to resolve this issue, but its been next to impossible to reach them. The phone answering service keeps asking for a transaction ID number before you can get connected to a representative. This transaction in question doesnt have a transaction ID because it wasnt successful, its been impossible to reach the company to file a complaint. 
The email address they have is a noreply email. 
I have reached out to my bank XXXX and they said there is nothing they can do about that, that everything lies in the hands on WorldRemit. 
Im frustrated and I need my money refunded 2. On the XX/XX/XXXX I attempted to transfer another {$2000.00} to family in XXXX via WorldRemit. I was still met with exact same problem as described above. 

So in all a total of {$3500.00} was debited on my XXXX checking account. I need my money back, my family is facing a serious crisis back in XXXX and I need to send money back immediately

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 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
On XX/XX/2022 my Robinhood LLC cash account was once again restricted, placing the {$4000.00} in my account out of my reach. Robinhood did this to me before, see prior complaint from XXXX. Robinhood refuses to give any information that would allow me to remedy the situation, no explanation of what happened, just a kafkaesque process in which humans seem to have no control over the seemingly omnipresent " system '' that is keeping me from accessing my money to pay rent. My paychecks are direct deposited in the account, as they have been for months. I hold some investments in the other part of the account, but utilize their cash management and debit card for primary banking. 

It would not be so bad if you could speak to someone who could walk you through expectations and assist accordingly. The customer service team seems to be isolated on some island where all communication with members outside of their direct team, or at least the impression received when numerous requests for call backs are simply ignored. I've asked Robinhood to unfreeze my account and allow me to transfer assets to one of the linked financial institutions in my account so I never have to deal with this absurdity again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Certified Credit Reporting, Inc.
State: NC

Complaint narrative:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: HI

Complaint narrative:
I am a victim of a XXXX scam. I wanted to purchase a wedding dress from a used wedding dress website for my upcoming wedding. A seller was selling a XXXX XXXX wedding gown named XXXX for {$4500.00} on the website XXXX XXXX ( XXXX ). There was no portal to communicate through the website so I was emailed by the seller. I was requested to pay {$2000.00} via XXXX to a XXXX XXXX. I made the XXXX transfer of {$2000.00} on XX/XX/2022 from my U.S. Bank account. I never received the wedding dress and the seller is unable to be contacted. I have disputed the transfer with U.S. Bank and my dispute was rejected. I never got my money back. All I wanted was to get a wedding dress to get married in and someone took advantage of that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: AZ

Complaint narrative:
XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX has not provided a signed contract between XXXX XXXX XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report 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 non-monetary relief
Consumer complaint received 2022-09-02 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: AZ

Complaint narrative:
XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX has not provided a signed contract between XXXX XXXX XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhoods United, LLC
State: FL

Complaint narrative:
In XXXX I bought a home and took a first and second mortgage with XXXX XXXX. In about XXXX XXXX XXXX sold the loans to XXXX  XXXX XXXX. Then XXXX  XXXX XXXX told me they sold the second loan again. I never received any paperwork. I continued to pay the first loan, but I could not find where the second loan had gone. I did not have any communication until XXXX when I received a letter from API stating that I owed a large sum. I called and asked where my loan had been, asked for a welcome letter, asked for the history from the past 14 years. I requested this verbally XX/XX/XXXX and followed up with 2 emails on XX/XX/XXXX and XX/XX/XXXX. I was verbally advised to communicate with XXXX XXXX at XXXX. To date, I have not received any paperwork verifying that they have the loan. I have no paperwork to show they are the correct entity to collect on the loan. I do not know where my loan was for 14 years. I would like documentation regarding AHP ending up servicing this loan. Thank you.

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 2022-09-02 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: AZ

Complaint narrative:
XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX has not provided a signed contract between XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report 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 non-monetary relief
Consumer complaint received 2022-09-02 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: AZ

Complaint narrative:
XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX has not provided a signed contract between XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, at approximately XXXX hours, I requested that a cashier check be made for XXXX to the XXXX XXXX XXXX XXXX XXXX. The Chase Bank Associate informed me she was going to charge me XXXX for this cashiers check. I informed this person ( name unknown ) that I was grandfathered in and do not have to pay for cashiers checks. 

Bank Associate then informed me we changed the policies on those who were grandfathered in and sent out a letter to reflect that. I did not receive any letter via United states mail, nor via email from Chase bank that informed me I would be charged for cashiers checks. 

It should be noted I do not have a check book but only make purchases via debit card or through the cashier checks when appropriated. Secondly, My original contract with chase stated I would not be charged for cashiers checks and have not been approached by Chaser Bank affiliates with a new contract, nor have I been informed to sign a new contract with Chase. In essence, Chase Bank is breaching their contract with the consumer and now charging XXXX for a cashiers check. 

I have been with Chase Bank since the XXXX XXXX I would like this matter to be investigated for inappropriate abuse of power to overcharge for a cashiers check. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX is fraudulently reporting on my consumer report without written consent. XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report 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 2022-09-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
all three credit bureaus are reporting that I have a balance. I have paid my mortgage off and have XXXX balance. Also, all three bureaus are reporting that I was 30 days late and I was given a foreberance for that month

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
all three credit bureaus are reporting that I have a balance. I have paid my mortgage off and have XXXX balance. Also, all three bureaus are reporting that I was 30 days late and I was given a foreberance for that month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
all three credit bureaus are reporting that I have a balance. I have paid my mortgage off and have XXXX balance. Also, all three bureaus are reporting that I was 30 days late and I was given a foreberance for that month

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: KS

Complaint narrative:
Started getting unsolicited text on XX/XX/XXXX and calls non stop. Advised to cease text and calls. Upon review, this company is a sell off from several companies from a XX/XX/XXXX nearly 13 year old charge off and are harassing my with a judgment will I pulled the information. Not only did they not have express consent to text me, I am getting annomus calls coming up since I told them to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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:
This complaint is foXXXX XXXX XXXX XXXX XXXX  from XXXX. We have tried to dispute a late/delinquent report on our credit and have tried multiple times with them not removing the derogatory report which is affecting our credit. We did a mortgage loan modification which at that time the rep told us we did not have to pay while in modification and didnt say it was going to affect our credit score. To this day, our credit report still says this account is XXXX days late which is now closed and they will not remove it stating that they have the correct information. 
We need this removed 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 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Account # XXXX, and DPT EDXXXX 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. 

In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since last year I am trying to correct and delete this repossesion from XXXX XXXX Because is to many inaccuracies been reported by Equifax and XXXX XXXX XXXX XXXX report a balance of XXXX then in a second letter they are reporting to equifax and XXXX another differnt balance of XXXX and the problem is that if this a charge off both XXXX and Equifax must report a XXXX balance. XXXX XXXX is reporting this same account as charge off with a XXXX Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I applied for the Apple Credit Card on XX/XX/2022 and was instantly denied. I asked " Why '' and a customer service rep by the name of XXXX ( XX/XX/2022 ) would only say credit ( incredibly rude ). I attempted to explain my $ XXXX per year income, my $ XXXX savings and for Apple to articulate the risk. They would only say " Please dispute with XXXX ''. Since the Apple card had a reputation for being discriminatory towards minorities and women, I tried to escalate the case to a Senior Manager, however I was met with the most unprofessional attitude I have ever encountered on the phone, no clarification as to way or a way to dispute with Apple/Goldman Sachs themselves on their incredibly XXXX and narrow decision. This is the second time I have received a denial but I was approved for a XXXX XXXX and XXXX XXXX two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc.
State: KS

Complaint narrative:
Started getting unsolicited text on XX/XX/XXXX and calls non stop. Advised to cease text and calls. Upon review, this company is a sell off from several companies from a XX/XX/XXXX nearly 13 year old charge off and are harassing my with a judgment will I pulled the information. Not only did they not have express consent to text me, I am getting annomus calls coming up since I told them to cease.

Company response to consumer: Closed with explanation