vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX have violated my rights. 
15 U.S.C 1681 Section 602A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish my 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 2023-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: NY

Complaint narrative:
My wise account has been deactivated by wise which has now put me in a situation where I am unable to withdraw the funds from my account I have filed an appeal in which I was given the estimated time frame of XXXX Working Days or longer for the review to be completed. 

A team member of wise in an official letter to me told me that it may take 5-20 days but it's more than the days she gave me already. 

I have asked Wise to refund the balance left on my account as it was needed to pay my Landlord for rent and because the funds have not been returned me I have been rendered homeless. 

To consider this matter solved, I would like Wise to uphold my complaint and Process my refund immediately, and give a formal apology for the distress caused due to this situation. 

I am not requesting wise to reactivate my account so there is no need for taking long to review. I am only asking Wise to give me back the money that was on my account prior to account deactivation. 

In Wise website it says, " if you still have money in your Wise Balances when we close your account, well work on sending it back to your bank account ''. 

I need wise to uphold this complaint and send what belongs to me to my bank account now. 

My email on wise is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: TX

Complaint narrative:
This account was reporting inaccurately on Equifax. The balance was reflecting {$99.00} but should have been {$0.00} and instead of removing the account as requested per FCRA law, they updated the balance to {$0.00}. This account has been removed off of XXXX and XXXX and should have been removed off of Equifax as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: MO

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
This is a follow up from complaints XXXX, XXXX, XXXX, and XXXX. Goldman Sachs claims in their reply to XXXX that they have restored my installment plan and that they would follow-up with me. As noted in my reply to that complaint, I never received any such follow-up, and furthermore, my installment plan was not restored with the original terms and conditions. Today I spoke with a different resource at Goldman Sachs, first name 'XXXX XXXX, and he indicates the terms have changed and they have no way to restore them to the original agreement. I share this fact with the CFPB for information, as I believe changing the terms of this agreement is likely in violation of any number of Federal regulations, but Goldman Sachs is unwilling or unable to restore my original terms. I doubt that fact is likely to change in response to this complaint. The sum total of all of these issues have consumed countless hours of my time and based on my reading through public complaints in the database it would appear very probable that I am not the only consumer adversely affected by Goldman 's many issues with this product. I would encourage the CFPB to further investigate these systemic issues as all my good faith efforts to do so directly with Goldman have failed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, a loan modification agreement with XXXX XXXXXXXX XXXX became permanent following a trial period of 3 months. An escrow analysis in the loan modification agreement set the escrow portion of the payment was set at {$680.00} and the principal and interest payment at {$1500.00} making the total monthly payment to be {$2200.00}. ( See attachment 1 Loan Modification Agreement ). 

When Mr. Copper took over the servicing rights, the escrow portion of the payment was set at {$1000.00} resulting into a total monthly payment of {$2600.00}. ( See Attachment XXXX XXXX XXXX XXXX XXXX XXXX IRS Form XXXX ). No escrow analysis was performed. The {$370.00} difference between the loan modification required monthly payment and the payment set by Mr. Cooper accumulated over a period of 42 months and that amount is included in the alleged delinquent amount Mr. Cooper is demanding to avoid foreclosure. 

Secondly, my account was not credited for the XX/XX/XXXX payment and that amount, which I have already paid, is included in the alleged delinquent amount. Mr. Cooper sent out a Notice of Assignment, Sale or Transfer of Servicing Rights and instructed me to send the XX/XX/XXXX payment to XXXX XXXX  XXXX. Mr. Cooper knew that the check was received and cashed, however, my account was not credited. ( See Attachment XXXX XX/XX/XXXX Cancelled Check and Attachment 5 Notice of Assignment, Sale or Transfer of Servicing Rights ). 

Mr. Cooper did not issue annual escrow estimate statements and monthly mortgage statements between XX/XX/XXXX and XX/XX/XXXX. Mr. Cooper arbitrarily set escrow payment amounts and those amounts are included in the alleged delinquent amount. I did not waive my rights to receive annual escrow and monthly mortgage statements. 

Mr. Cooper erroneously coded my account as being in active bankruptcy from XX/XX/XXXX until XX/XX/XXXX and made its servicing decisions as though I was in bankruptcy. ( See attachment 6 - Mr. Coopers default letter and attachment 7 account audit report ) The XX/XX/XXXX mortgage statement shows that {$6900.00} was added to the amount due without a valid legal explanation. ( See attachment XXXX ). 

Mr. Cooper has received a monthly mortgage payment from XX/XX/XXXX up to XX/XX/XXXX. Mr. Cooper is not cashing the mortgage checks and instead late fees and inspection charges are being added to my loan. Mr. Cooper has failed to fulfill its obligations and has not deposited money in the escrow impounds account. Escrow advances have been added to the alleged delinquent amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC
State: MO

Complaint narrative:
I received a letter dated XX/XX/ from " Spire Recovery Solutions '' stating that they are trying to collect a debt that I owe to " XXXX XXXX XXXX XXXX '' in the amount of {$1900.00}. 

I have never heard of " XXXX XXXX XXXX XXXX ''. I have had no contact with that company, and have never taken out a loan or debt with them. 

I have taken action to formally dispute the debt with Spire Recovery Solutions. I submitted my dispute through their website at " https : //spiresupport.freshdesk.com/support/tickets/new '' and I have mailed my formal dispute to them. 

So far I have not received resolution to this fraud claim. 

I also had credit freezes in place with XXXX, XXXX, and XXXX. I have placed a fraud alert with all 3 agencies to try and help prevent against similar cases of fraud like this in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
5th Attempt pls correct my address THIS IS THE ONLY CORRECT ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please delete all other addresses I have sent certified letters 4 times and made a complaint with XXXX

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX  XXXX XXXX transferred all customers of their XXXX XXXX XXXX XXXX to Comenity Capital Bank in XX/XX/2022. I now have their so called XXXX XXXX XXXX XXXX XXXX Credit Card. 
However, XXXX never provided me with a XXXX XXXX XXXX, something all other credit card companies I am using either send via mail or make available online. Therefore I do not know what benefits come with this card, like purchase protection, extended warranty, delayed luggage benefits, auto rental insurance etc. etc. 
I contacted XXXX multiple times through their messaging system as well as in person via phone. None of the agents do understand what I am looking for and nearly one year later I still do not have this Benefit Guide. 
I am therefore hesitant to use this card for any important purchases. In addition their website has frequent technical issues which makes it even harder to resolve any issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14 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: NV

Complaint narrative:
Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Report shows this account was opened XX/XX/2023, it has been opened for 2 months, the account status is open,, the responsibility is as individual and the amount owed is {$300.00}. 

This account states that the original creditor name is : XXXX XXXX XXXX 

I have no knowledge of this account. I have no knowledge of XXXX XXXXXXXX XXXX I have no knowledge of XXXX XXXX XXXX 
Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.

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 2023-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Beginning on or about XX/XX/23, I started receiving phone calls from TD Bank at ( XXXX ) XXXX. On XX/XX/23, I was informed that TD Bank 's collection department was attempting to collect a debt the bank incurred due to TD Bank failing to verify Thief 's identity. Upon inquiry, I was informed that Thief stole my identity and opened a credit card account to purchase a XXXX XXXX. TD Bank refused to provide me with the address where Thief applied for the account. On or about XX/XX/23, I contacted TD Customer Service and was transferred to the Dispute Collection department. I was placed on hold for about 10 minutes and was subsequently disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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:
I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: VA

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  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.

These inaccuracies are stopping me from buying a new home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: VA

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  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.

These inaccuracies are stopping me from buying a new home.

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 2023-08-14 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: FL

Complaint narrative:
On XX/XX/XXXX ( Saturday ) my husband and I applied for a Mortgage consideration securely through XXXX. This was in an authenticated experience. This application did not included a corporate number of XXXX. On XX/XX/XXXX ( Monday ) beginning at XXXX - XXXX I received 75 phone calls where people are claiming to be mortgage wholesalers and claiming that XXXX and XXXX/Equifax provided them with my information. They were calling on a number that was not disclosed on my mortgage application so I am unsure of where they would have received my information. These calls where borderline harassment as the sales representatives on these calls took strong attempts to keep me on the line. 

I called XXXX they assured me it was not their mistake. 
I spoke with XXXX, and they assured me it was not their mistake. 
I spoke with Equifax and their customer care team transferred me to the business solutions team as my credit bureau reflected that was the source of the pull. I requested to speak with a supervisor and was denied because I was a customer and did not have a business solutions number. I attempted to call XXXX again and get a supervisor and the agent told me there was not one available. Provided me a number to a supervisor who was not available. I asked to speak with one that was free and my call was disconnected. 

I feel like there is an issue with Equifax Business Solutions, and these 75 calls that were unsolicited to a number that was not used in my application with XXXX. As a consumer I am fearful of what other details these 75 organization or more received about me. These behaviors should be shut down immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-14 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: WI

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: WI

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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