vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc.
State: NY

Complaint narrative:
This company performed a soft-pull to verify my credit score and credit report and then presented me with a pre-qualified offer ( I understand this is not set in stone ).

The offer was presented and accepted. A hard search was performed.

Two documents were requested, a copy of my drivers license and a most recent paystub, they also have the option to link a bank account in your name via XXXX. All 3 of which I provided and/or completed. More than fulfilling my requirements under KYC regulations. 

On XX/XX/XXXX both XXXX and Sofi made verification calls to me, quite coincidentally at the same time, as mentioned to the Sofi Caller at the time. I was previously a victim of identity theft so XXXX wanted to verify the application was in face made by me ( XXXX XXXX Member ) and Sofi ( the lender ) also wanted to do the same, they called me on the number listed on my credit report and I confirmed I did indeed apply for a personal loan with them, the caller was pleasant confirmed I had credit score requirements and would now finalize my loan. 

On XX/XX/XXXX Soft declined my application and sent an Adverse Action Notice with the decline reason being they were unable to verify my identity. They listed the source of their verification information as XXXX, I immeadiately called XXXX as I assumed they must have been unable to pull my credit correctly due to mismatching details, XXXX confirmed they had successfully performed a hard pull and using their document upload service confirmed that the information provided in the application matched that on my credit report and that the adverse action notice was invalid for that reason, they suggested I call Sofi and ask for clarification, after explaining to a Sofi agent what XXXX had said they proceeded to place me on hold for 26 minutes, at which point they returned and advised me that I was to apply again and that they had no further information beyond the adverse action notice. 

The company should not perform a hard-pull on a consumer if they are not sure of their identity, there is also no course of appeal or communication with underwriting to take steps to provide further information to establish identity verification, if the source of information used is as the adverse action notice suggests then XXXX have contested the adverse action notice as the information matches, if the source of information to establish identity verification differs from that mentioned in the adverse action notice the company has witheld the source from the consumer and therefore breached FACTA as there is no point of contact for recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NC

Complaint narrative:
My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.

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 2022-04-07 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: SC

Complaint narrative:
somebody stole my identity while I was sick, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to report my one of my credit cards current usage. the last update was in XXXX but they have failed to update XXXX and XXXX credit usage. Since utilization is such a big part of your credit profile they are not reporting the correct and current credit usage to one of my credit cards and I have paid the balance down to 0 %.

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 2022-04-07 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: TX

Complaint narrative:
I sent disputed to Equifaxfor inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc.
State: FL

Complaint narrative:
Calls began XXXX at my company. Calls come through the receptionist. The caller identified himself as XXXX XXXX he was with the Company TekCollect. My employee explained we were not available to take the call, so he began to ask my receptionist numerous questions concerning our business, my husband & myself the owners. As the calls continues throughout the month, they became more and more rude and completely ridiculous. We were out of the country for 3 weeks on vacation and was checking in with our managers daily. Apparently, XXXX XXXX thought my employees were lying that we were away from the office. XXXX XXXX asked my employee " How it feels to work for a company that can't pay their bills. '' He also proceeded telling her all my personal information concerning this matter with all the case information and even the amount trying to be collected. Which is not her or anyone 's business to know. We are seeking legal advice with this debt issue. Have told XXXX XXXX to stop calling. We have received anywhere between 3 to 4 calls a day. Never being told the call was recorded. We are attaching a call record showing calls received within a month and a half from the number XXXX there was an anonymous number that does not show up and can't track.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: Experian Information Solutions Inc.
State: DE

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 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 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 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 non-monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
Spoke XXXX XXXX @ XXXX on XXXX. She is doing an escrow analysis and will get back w me in a day or 2 after completed. Informed her that there will be a shortage, not to increase payments above what was previous, I would catch the account back up. Also told her to apply extra payments to escrow as it was applied to principal. Payment was sent and the difference was supposed to be applied to escrow - This still hasn't been done as of XXXX Received a voicemail from XXXX to call back. Spoke w XXXX at XXXX on XXXX. Made a payment of {$1300.00}. {$480.00} is needed to catch the escrow account up by XXXX for property taxes. Sent payment to escrow and changed monthly payment to be corrected. - Payment received and STILL showing a negative balance in the escrow account. Even after our conversation and payment was sent! Still showing a negative balance ... Looks like it was applied to principal. No one EVER fulfills what they say they are going to do when I speak to this company...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I received a settlement offer of {$130.00} with an original balance of {$540.00}. 

Requested payment date was XX/XX/22 The letter stated my account would be satisfied and closed if I pay the resolution amount by XX/XX/22 The payment was received and posted on XX/XX/22 I just received a letter stating, I owe the balance due of {$410.00}. 

I accepted the terms and fulfilled what was required and they still want full payment, even though I paid the settlement offer

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 2022-04-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit 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 2022-04-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit 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 2022-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
MIP on my loan Ive tried to have removed several times over the years so I had about 8 yrs more to pay off my FHA mortgage and still MIP remain on my mortgage so since they wont remove it I pay the loan off and ask if there was money coming back to me for the mortgage insurance protection and I was told no and I was told by other realtors that after I pay my mortgage loan down by 20 % the MIP would be remove but Quicken loan says no and that it would remain on the loan until it is paid in full and I just dont believe that, they couldnt loose any money even if I defaulted on my loan so it should have been removed my name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: SC

Complaint narrative:
somebody stole my identity while I was sick, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

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 2022-04-07 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: SC

Complaint narrative:
somebody stole my identity while I was sick, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Date XX/XX/2022 Paid American Express Hilton ( AXH ) {$4100.00} On XX/XX/2022 I called American Express Hilton to explain the error, and explain to them that I meant to Pay ( AXH ) {$170.00} and {$4000.00} to my American Express Delta ( AXD ) I was told no problem we ( American Express ) can transfer {$4000.00} to your ( AXD ) and that it will take 24-48 hours. 

Today I looked and the credit is still on ( AXH ) 72 hours later. 

Called today XX/XX/2022 to ask what is the hold up. Now, American Express is telling me that the transfer is going to take 5-7 business days. 

I think this is a deceptive practice and all they are doing is collecting more interest on my ( AXD ) credit card. 

I asked how long does it take to refund my credit and they said 2-3 business days. 

So they can refund my money in 2-3 business days, but they can not do an internal transfer and that is going to take 5.-7 business days. 

I asked for my money to be returned ... but again I think this is deceptive practice and they are collecting more interest payments. 

I would like this researched because this practice is very unfair to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company 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 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
XX/XX/XXXX, I was locked out of my mobile banking access, I tried logging in to the actual website and my access has been locked. I got a message to call USAA and speak to a representative. I was out on hold for 3 hours and no one from USAA answered my call. I was disconnected after 3 hrs and 40 minutes wait. I tried using my ATM card to pay for gas and my card got decline. I have over XXXX  balance on my checking so there should be no reason for my card to get decline. 

XX/XX/XXXX at XXXX XXXX, I called the debit card 24/7 customer number, the automated system could not verify me and was transfer again and was put on another 3hr wait time. No one answered. 

XX/XX/XXXX at XXXX XXXX  I called USAA again to asked why I cant access my funds, I was transfer again for another 3hr wait time. I cant purchase any gas for my vehicle and I cant but food and diaper for my children. I have a total of XXXX in my account and I cant access them. I dont know what to do since I dont own a credit card. All my utilities are due this week and all of them are tied into my debit card which XXXX cant access. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient in the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Experian failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, pursuant to section 604, indicates the only permissible purpose for inquiries is a firm offer of credit, court order, employment, and insurance. From my records neither did I authorize these inquiries there is no permissible purpose that applies so therefore Experian is REQUIRED to immediately remove each and every last one of them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {$160.00} / XX/XX/2022

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 2022-04-07 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: NC

Complaint narrative:
My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.

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