vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 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: AZ

Complaint narrative:
Company reporting negative information on my report. 
Company using personal information without consent. 
Company obtained personal information without consent. 
Company reports negative information on my report to extort payments. 
I have not done business with Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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:
I, as consumer, without aid of credit repair organization, am writing to dispute any and all information that appears on investigation results of Consumer Report Number XXXX. 

The Experian consumer report evidence the inducement of a hardship as an unfair, deceptive and abusive practice. 

EXPERIAN is hereby directed to delete any and all personal information and highly restricted personal information as defined at 18 U.S. Code 2725 and account information in compliance to 12 CFR 1016.15 ( a ) ( 1 ) as this revocation of any and all consent and direct EXPERIAN to cease and desist, as right to opt out, unauthorized use of personal information and any and all negative information as compliance to : 1. 15 USC 1681 ( a ) ( 4 ) right of privacy ; 2. 15 U.S.C. 1681b ( a ) ( 2 ) and 3. 15 U.S. Code 6801 - Protection of nonpublic personal information 4. 15 U.S. Code 6802 ( e ) ( 2 ) - Obligations with respect to disclosures of personal information Failure to comply and provide notice of deletion within 48 hours will result in escalation to regulatory agencies and possible legal action for damages violation Fair Credit Reporting Act and 15 U.S.C. 1611.

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 2022-11-04 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: EQUIFAX, 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. 
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 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 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: MN

Complaint narrative:
on XX/XX/2022 i reported to my bank chime that i got hacked and that my phone and all my cards got stolen the day of XXXX i made a police report and sent all information to chime through email even all of the evidence that my XXXX page was hack and money from my account was getting sent to people that i didn't authorize i explained this to them for 3 days and i still didn't receive any help from chime they kept emailing me that they didn't see any errors on my account then on XX/XX/2022 i found out that they lock my account and stated that detected usually activate on my account and emailed me that i had to send verification of my id and a picture of me with my id to supportatchime.com through email because when i tried to login and do it through the app it wasn't working so when they emailed me i sent all proof to them as they stated and then on XX/XX/2022 they emailed me aging and ask me to send all my proof to them aging but this time they wanted my id and another picture of me with my id and a piece of mail with my name and address i didn't understand why they needed more information just to unlock my account so i called them and ask if i can speak with a manger to ask them why did i have to keep sending my information when i already sent it they act like they couldn't answer my question so i ask them to close my account down because i feel as if they might be a part of the fraudulent activity the manger told me it will take approximately XXXX business days just to close my account they didn't help me get my money back they told me it wasn't any errors that accrued on my account but they locked it due to unusually activity on my account none of this made since to me i lost out on XXXX dollars do to scamming and people who hacked me i couldn't pay my rent i couldn't pay my bills for water and gas and electricity do to all of this activity that has happen and I'm going through a life XXXX and i need help and support for my identity and my money that was stolen from me i have all the information if needed i have my police report i have all the emails i have all the evidence that i was hacked i have everything but no one is willing to help me to resolve this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
The problem is : the Mortgage Company Mr .Cooper and now it they division : Right Path Servises not providing required Statements : Current Mortgage Statement, My Forbearance balance and total I owe with an interest rate in written documents I have to have to Reinstate the Loan and get out of Forbearance. I been trying to get it since XX/XX/XXXX, send them about 5 letters asking remove cease and desist and send me written statement, requested by Housing Counsellor, that they have to have to help me apply for the Grant, to Reinstate the Loan. I file 5 complaint on my account with my mortgage servicer. I have the record of that and number of complaint. They told me those documents does not exist because my Bankruptcy in XXXX. But use to get monthly statements before : like I got on on XX/XX/XXXX, I been calling many times, asked to talk to manager and they always tell me they cant transfer me to manager and they cant do anything. They proposed New Loan Modification that financially way worst then my existing, it same as buying brand new car for bank every 5 years, that for single mother a lot. I want to Reinstate the old loan, pay the Forbearance balance, and they preventing me from doing that, I cant apply for government grant that available to homeowners because I cant get a Mortgage ( Information ) statement from them. I dont know that to do. I need it ASAP!!! Thank You for your help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account 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

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 2022-11-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
My complaint is with Cash App, I had 2 accounts with them that I used for different reasons, On XX/XX/XXXX for no apparent reason they closed both of my accounts, I sent them so many text messages and have gotten no reason as to why they would do that. I have asked them over and over and explain to me why, and today is XX/XX/XXXX, and I still have not gotten a legitimate answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I have received NO communication from Wells Fargo re : the claim for ( myself ) for a wireless transfer that I did not initiate on XX/XX/2022 : XXXX This claim was filed with Wells Fargo fraud department on XX/XX/2022. My claim number at that time was # XXXX. The Wells Fargo branch manager informed me that this transfer was filed under an incorrect account number and a new claim was filed for this specific wireless transfer. I was not given a different claim number and was told since ( father ) is a co-signer on my accounts, that he would be able to get information re : my claim when speaking to Wells Fargo Fraud/Complaint Dept XXXX This has not been the case. When speaking to the expedited XXXX complaint center, they state they have no information re : X claim. I have not heard anything, no phone calls, no mail re : this claim. 

The fraudster gained my trust by starting the illegal charges through my debit card. I received a phone call with the caller ID Wells Fargo stating that theres been unusual activity on my card, which I was able to see via my online banking app. They also repeated the last 4 digits of my social security number back to me- further advancing me to believe I was speaking to Wells Fargo XXXX I then received a series of text codes that were asked to be repeated over the phone and then used to initiate ILLEGAL wire transfers from my accounts. None of these codes stated any amounts or stated that they were being used to initiate a wire transfer. If my account was further reviewed, you would clearly see that I myself have never once issued a wire transfer and do not operate my transfers in that way. I was told these codes were being used to confirm my identity and to close my current accounts, along with opening new ones to prevent the fraud. 

This fraud was reported on XX/XX/2022. We are well past the 7-10 day XXXX waiting period for investigation. 
We did not initiate these wireless transfers. The text codes shared never referenced a transfer or any money amount at all.

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 2022-11-04 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: PA

Complaint narrative:
I have just received a copy of my Consumer report from TransUnion and I have noticed several FDCPA and FCRA Violations on there. As an Consumer that is Protected by the Laws of the FDCPA and FCRA I would like to have the attached Violations removed from my Consumer Report ; See Attachments

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 2022-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Im submitting proof pertaining to a previous complaint where the mortgage company is holding my money until XX/XX/XXXX for this coming month to accrue interest on a payment that they said was from XX/XX/2022. I have submitted all of my payments and I am current till the end of XXXX and I dont want them to wait until XX/XX/XXXX to decide that they need another payment right away. I have submitted three payments Since XX/XX/2022 to XX/XX/2022. Please tell the mortgage company to apply my money and stop holding it in the back room per XXXX and apply it to my account. I am a senior citizen and I need to stay in my house, I dont not want them to try to take my house away from me using unethical banking practices. If theyve gotten the money, they should have applied it already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: 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. 
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 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 2022-11-04 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: 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. 
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 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 2022-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
My Loans are currently with Mohela. I contacted Mohela to discuss the best options for my loans. I have loans from previous education that are already on the XXXX program. I have recently finished my XXXX and had questions about those loans. I contacted them on XX/XX/XXXX and asked about the XXXX waiver and was advised that that would not apply to my loans. I was then told that I could consolidate my new loans with my old loan but that I had until XX/XX/XXXX. I was never advised that doing so would merge the loans and apply the previous payments to all of the loans. I then asked about the XXXX  XXXX XXXX forgiveness and was advised that they didn't handle that. I contacted the XXXX loan forgiveness and they explained to me that they work with my loan provider to make payments towards the loans. So on XX/XX/XXXX I called back and was advised that my wait time would be XXXX mins and I was unable to wait on the call. I called back again on XX/XX/XXXX and was on hold for 22 minutes and was unable to reach anyone before I had to hang up. I called back on XX/XX/XXXX and spoke to someone who advised me that had i consolidated that waiver would have benefitted my loans but was now too late to apply. I waited 2 hours to speak with a supervisor and then had to hang up. I called back and again waited 2 more hours before i spoke with a supervisor. The supervisor agreed that in the call on XX/XX/XXXX consolidation was mentioned but that at no point was I advised that the waiver would be of benefit my loans despite me specifically stating that I wanted advise. The Mohela supervisor has denied responsibility for me not appropriately being advised in relation to how the XXXX waiver would have benefited me. The supervisor stated that the phone call was recorded in XX/XX/XXXX but had refused to allow me to listen or provide a transcript of that call. She has stated that she is refusing to submit a request for late consideration or offering a way to reconcile the situation. Can you please review Mohela 's mishandling of the situation which resulted in me not benefiting from the XXXX waiver despite my inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX auto pay was turned off for my capital one card and additional payments were made. I turned the auto-pay back on but it was not processed as expected due to what appears to be an error on capital ones end. They deny this technical issue and have accessed my account late fees and reported to credit reporting agencies due to this. I called and attempted to rectify the problem. They also denied me the issue to record the conversation which I am legally able to do as New York state is a one-party consent state and I consented.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
All student loans are paid in full/zero balance. This includes DOE XXXX XXXX, Navient ( now XXXX ) and XXXX. The balances are reflected as paid in full/zero balance on the credit report, however, the accounts are still showing as delinquent and negatively impacting my credit score. XXXX informed me that the credit bureaus had been notified in XX/XX/2022 that all balances are paid in full/zero balance yet XXXX on XX/XX/2022 informed me that Navient ( now XXXX ) is still reporting as delinquent. I would like all delinquent accounts that are paid in full/zero balance to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: MD

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  Account # XXXX XXXX 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 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