vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: MN

Complaint narrative:
This is a secondary complaint to closed complaint XXXX. In response to my last complaint So-Fi stated that they would be sending me a check via email for the {$5000.00} stolen from my account due to their lax security measures and my remaining balance of {$280.00}. The check in the amount of {$5200.00} was sent to me, but when my bank submitted the check for payment into a joint account with my son ( XXXX XXXX ), So-Fi rejected the check and did not provide the funds. It appears that they sent a check they did not intend to honor nearly to close out the initial complaint. My stolen {$5000.00} and remaining account balance of {$280.00} is still not back in my hands and is causing me to pay additional fees and interest on other loans due to the missing funds. 

So-Fi claims the fraud issues was on my end due to stolen email. However, outside of my So-Fi problem I have had no other instances of fraud perpetrated on any of my other banking or investment accounts, credit cards, or any other situation where the email in question was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I was advised to close my account due to the fact I don't have a permanent US address. I am a US citizen living overseas. I completed an Account Closure form in apostile form and forwarded it to the bank on the XXXX XX/XX/2022 ( along with transfer details to a new bank ). They received on the XXXX XX/XX/2022. They promised 10 day turnaround. When I called them after nothing had happened for 10 days, they said there were 'delays '. I called today and have been holding for an hour already on an overseas call. I can't transfer the money myself, as their App won't let me as I don't have a permanent US address. They have effectively locked my account with no recourse.

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My XXXX XXXX XXXX only shows up / reports to only XXXX since XX/XX/XXXX. Not reporting to the other 2 credit bureaus * TransUnion & XXXX. 

XXXX XXXX credit bureau division has tried multiple times to insert the account to TransUnion and XXXX since XX/XX/XXXX. 

Account # XXXX Credit limit {$23000.00} Date of open XX/XX/XXXX Consumer status - Open Balance - {$0.00} Responsibility joint

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 2022-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I took out student loans at XXXX years old, having no clue what I was agreeing to. I didn't have parental support and was trying to put myself through college. I took out private loans, having no idea the ramifications and high interest rates. I took out approximately {$31000.00} in private loans and have been paying them for about 17 years. I was told today that I owe {$39000.00}. I have been put into several repayment plans that hurt me tremendously, but this should be absolutely illegal. I would like to have this looked at as I believe there is a legal issue here. If I purchased a car for {$31000.00}, it would be paid off in 5 years. How have I been paying for 17 years and I owe more now. I am struggling to make ends meet and have called them many times. They do not offer any viable options or advising. They give me two options that are both terrible and tell me there's nothing else they can or will do. I am desperate for help. I also have federal student loans in the amount of {$30000.00} that I have been paying on for 17 years as well and haven't even made a dent in, I just owe more now. This feels like complete robbery. How does anyone get ahead in life? I feel extremely wrongfully informed and taken advantage of by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: CA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
My husband and I have recently gotten out of forbearance and are trying to settle our partial claim with the mortgage company. The documents they have requested we sign and have notarized have incomplete numbers on them. They have listed interest, principal, and taxes and insurance. The interest and principal have listed balances, but the taxes/insurance are left blank. The balance does not add up and my husband and I do not feel comfortable signing the paper work without seeing an itemized balance. We paid escrow while on forbearance and we would like to be able to see all of the amounts we owe and what we have already paid in the past year and a half we have been trying to deal with this. The mortgage company has no contact with the third company that has to deal directly with the customer. When calling the third party answering service, they have no one to help us and can not assist us with this. This is the second time I am having to make a complaint with this company and will now be making a complaint with the XXXX  XXXX  XXXX. We feel that the mortgage company has failed in properly assisting their customers and we would like our mortgage to be sold at this point so that we no longer have to deal with them. I don't feel like this is an honest company and they should not be handling people 's mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: OH

Complaint narrative:
I am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH , XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, 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 non-monetary relief
Consumer complaint received 2022-06-21 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: OH

Complaint narrative:
I am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH , XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I currently have a VA loan for my home in which I Received through Chemical Bank which was bought out by Huntington. A few months after purchasing the Home I received a tax bill I which I ignored because my taxes and insurance are rolled into my mortgage payment. I called the bank when I received a delinquent notice and they had me send a copy of the bill to their customer service mortgage division and I did so. Then when I received another tax bill I also sent that one. I just received another bill that shows delinquency in said property taxes. I again sent a copy of this and marked the delinquency section ..... They do not respond nor can I get anyone to answer phone calls and I need this taken care of. I incorporated taxes and insurance into my loan to keep issues like this from happening .... I appreciate any help you can give. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have requested Mortgage Insurance to be removed as I have more than 25 % equity in my home. 

I requested this take place over 60 days ago and they are giving me the run around every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I got a text message saying that the email on my account has changed and if it was not me give them a call. So I call them as soon as I seem the text ( within minutes of receiving it ) the employee that was on the line told me the bank was closed Sunday and there was nothing they could do till Monday. While I was on the phone with him I started receiving notifications about large transaction coming out of my account I asked him if they could atleast lock my account to avoid these transactions. He responded with no that they would have to let them go through and couldn't do anything to stop more from coming through until the next day and then I'll have to report them as unauthorized transactions to get my money backbecause again the bank is closed on Sunday. The next day I call them back they change my email back and phone number so I cam access my account by then every dollar I had in my checking and savings account was completely gone ( around {$720.00} ) I then told them I wanted to report these as unauthorized transactions then they started giving me different reasons why they are not liable for these transactions and I can not get my money back. I asked them to tell me where to find that under their legal cardholder agreement and when I read to them the parts they tried to point out and showed how that would not apply to this situation they would then hangup on me. I've called multiple times and have gotten multiple different answers on why they are not liable for these unauthorized transactions with the end of the call almost always being hung up while I was trying to get more I formation. I have filed a police report on some of these transactions where I've been able to locate the city they were done in.the company that this was through was XXXX/payfare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME

Complaint narrative:
Rushmore Loan Management Services is the servicer on two of my mortgages, XXXX established XX/XX/XXXX and XXXX established XX/XX/XXXX. Neither escrow accounts accrued interest required by Maine state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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 XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: CA

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: MI

Complaint narrative:
N accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX ; I received a letter from Early Warning stating that a fraudulent account that I had disputed came back as verified after I requested that they do a thorough investigation in the matter. The term " investigate '' according to the FCRA means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. My rights were violated according to 15 USC 1681 section 602a states I have a right to privacy. In addition, it also states in 15USC 1681 section 604a section 2 that a consumer reporting agency can not furnish an account without my written instructions. The account in question is listed below : XXXX XXXX XXXX account # XXXX acct open date XX/XX/XXXX and account close date XX/XX/XXXX. This account has cause me great emotional stress, because I am unable to open a bank account due to the fraudulent account showing up on the Early Warning consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current
State: IA

Complaint narrative:
I was out of state from the XXXX to the XXXX of XXXX. All of the fraudulant transactions happened on the XXXX of XXXX and one shortly before that. I'm reporting it to the ftc cause my bank didn't do anything about it. My account was compromised and the individual logged in and change my admins information and transfered my money to that account then too that persons account and then they transfered my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
In XX/XX/2021 I paid off my credit card with Goldman Sachs. In XXXX and XX/XX/2021 I had thousands of fraudulent transactions on my credit card. I have dealt with Goldman Sachs for 7 months to get all of the transactions resolved. They are still not all resolved. Also, through all this, I have not made a payment on the fraud balance and so Goldman Sachs has been reporting me 120+ days past due on my credit report.

Goldman Sachs has resolved all but {$120.00} of the fraud balance. 
I have spent hours on the phone with them and each time I call I hear the same story. " We will escalate this to the appropriate department and someone will call you within 90 days ''. NO ONE has ever called me nor has anyone corrected anything. 
I just want the remaining balance to be XXXX and my credit restored to the way it was prior to the fraud, which was 100 % perfect payment history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX USA ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX USA ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/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 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 2022-06-21 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: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Identity Theft XXXX Date of inquiry : XX/XX/2020 The inquiry was not authorized please removed it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report. 
. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation