vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: AR

Complaint narrative:
This creditor is reporting inaccurate information about the account statusXXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 5 16815-2 ] ( a ) Duty of Punishers of Informatio
n to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting infor actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate! 
( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( D ) Definition. For purposes of subparagraph ( A ), the term " reasonable cause to believe that the information is inaccurate ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am very concern because my credit report is showing discrepancies. I am very cindered consumer and want only true information about me reporting under Section 623 ( a ) ( 2 ). If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 

Different date of last activity in every single credit bureau. 
Account status/account still open/Charge off account can not be open. 
Date account was opened the account is different. 
Last payment date is not accurate with the other credit bureaus Court house also dismiss this case. That must be delete from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
About 2 years ago I was banking with Wells Fargo. I had banked with them for well over 10 years. I tried to make a purchase at a food truck and was told my card was declined. I called customer services and was told there was suspicious activity. I verified that all the transactions were ones that I had made. The next day went to XXXX XXXX and my card was declined again. Called again and was told my card was froze. I told them that all transactions were mine again. They asked if there was anyone else that could have called and reported suspicious activity. I told them that the only other person that held a card at one point was my ex husband. He was never on the account and I never added him I just requested an extra debit card for him to use. At this point we were divorced for almost two years. They told me to file a claim and someone would called me back. When they called they told me that they couldnt unfreeze it unless I went in person to a branch. The closest branch to where I live is 40 minutes away so I was reluctant to go but did so anyway. I went into a branch with my social security card, birth certificate, drivers license, and passport to verify my identity. At this point I wanted to withdraw my money and close the account because I did not have access to my account for over 2 weeks. I had to borrow money from family and friends to pay bills etc. I was told in the branch that my ex husband had to be the one to come in and close it. I explained that he was never in the account it was in my name. They said they were sorry but that is what had to happen to lift the freeze in the account.It was a hassle. Thank goodness we are still on speaking terms and he handled closing the account for me. I still dont understand why they froze the account when I verified all my information and brought in all the documents I needed in order to do so. It was easier leaving the country than it was closing that account

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 2023-06-06 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. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX XXXX  - {$2500.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX  {$3100.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$9200.00} XXXX 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 2023-06-06 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. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX XXXX - {$2500.00} XXXX XXXX XXXX XXXX  {$4700.00} XXXX XXXX XXXX XXXX  {$2100.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX 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 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In XX/XX/2023 we requested Mr. Coopers Escrow Department to reanalyze our escrow account as a result of our home receiving XXXX  homestead exemption which also included the prior year. Mr. Coopers Escrow Department contacted me 3 weeks later after my persistent request for a status on the request to reanalyze our loans escrow. Mr Cooper told us that XXXX XXXX didnt reflect the exemption and refused to look into it further! I immediately contacted XXXX XXXX and obtained the exemption document Mr. Cooper told me didnt exist and we submitted it again and requested our loans escrow be reanalyzed. Again no response until I sent a request for a status, the middle of XX/XX/2023 we received a call from Mr. Cooper advising us the exemption was indeed in place and we should expect a refund of {$600.00} from XXXX XXXX and that Mr Cooper is waiting on XXXX XXXX to confirm the exemption and then they would re analyze our escrow. Now, yesterday, I contacted Mr. Cooper and to my amazement we were advised our loan has been transferred to another servicer. Its pretty obvious that Mr. Cooper refused to process our escrow review because they knew our loan was going to be transferred! We were not advised about this until I contacted Mr. Cooper and was advised they dont have my loan; and said the new servicer will be intouch! Wow!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear TransUnion Credit Bureau, I have contacted you several several times regarding the fraudulent hard inquiries on my credit report and sent you all the documents including FTC report to you. But didn't get any results, so I have to submit a complaint on you, since I couldn't get any assistance from you. These hard inquiries are fraudulent, I never authorized them Please delete the following hard inquiries from my credit fil : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank / Lowes charges {$2.00} above the already high interest rate. The rate has increased because of the Fed and every month they had a fee because there is interest. i have had the card 6 years, never missed a payment. I called and they confirmed they charge a {$2.00} fee above the interest i already pay. i do not brie e this is fair and they are charging above and beyond what they should. This seems fraudulent and they are gouging us. thx

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 2023-06-06 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 XXXX, XXXX XXXX Co 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. also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act Convergent, Fingerhut/Webbank , has violated my rights 15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX, has violated my rights15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish a account without my written instructions. 

Other accounts I see on my credit report that are in violation are below. 
XXXX XXXX XXXX XXXX / XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Today 's date is XX/XX/2023. Over the past week I have attempted several times to log in to my Chase credit card account to monitor activity and download statements to my personal accounting software. I have been presented with the requirement of agreeing to two different agreements in order to access my information. The first is the Online and XXXX XXXX XXXX and Consent Agreement. This establishes whether I'm willing to receive electronic communications as opposed to paper communication. I'm not especially happy with it but I would agree to it. The second agreement is the Digital Services Agreement, which is 128 pages of legal jargon that is apparently intended to obfuscate any issue while you sign away your rights to any paper documentation about any of your accounts. It also states that in order to use their services you must have a computer or other device capable of receiving electronic communications, a connection to the internet, and software capable of communicating with their system. They state clearly that regardless of which preferences you have indicated they may just decide to send any communications to you electronically. Apparently we no longer have a choice. It also says if you choose not to agree to the stated terms you will not be able to access your information on their digital platform. 

I have called customer service for Chase and been told that I must agree. When I demurred I was routed to the next level of customer service. I was then routed to the next level of customer service where the call was disconnected. I tried calling back and was told that they could not understand what I was saying. Unfortunately I do not have the resources to terminate my relation with Chase or I would do so immediately. 

It is apparent that Chase does not expect anyone to actually read this agreement. They expect people to automatically agree to get access to their information. I do not agree. I will not agree. But there must be a way for me to get the information I need. Chase is not forthcoming with instructions to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HILLTOP HOLDINGS, INC
State: KS

Complaint narrative:
Since XX/XX/XXXX I have been trying to begin the loan assumption process for my husband to assume my co-signers portion of our mortgage. My co-signer has not lived at this residence or made any financial contribution to this loan since XX/XX/XXXX. I have a court ordered settlement agreement stating that my husband and I must assume the mortgage. However, I am getting nowhere through emailing : XXXX, or through Primelendings chat portal or by messaging through the dashboard. I am routinely disconnected in the chat portal and while on the phone with customer service. 

In XXXX of XXXX, I did receive an assumption packet/application, but it was for an FHA loan . We have a USDA loan I re-submitted my request for the assumption application along with a completed Release of Liability Application in XXXX of this year, and again in XXXX and XXXX. I received one confirmation/ receipt reply for my request in XXXX, and was told that I would receive the remaining assumption paperwork/application after a review period, which never happened. I have received no response outside of an automated please allow 7-10 business days to process your request since XX/XX/XXXX. 

I sent a certified letter to XXXX/Primelendings assumption department on XX/XX/XXXX, it was signed for and received. As of today XX/XX/XXXX I have still not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This formal dispute letter is written in connection with violations committed by both the Transunion and XXXX credit bureaus. Both have violated my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter " FCRA '' ) which prohibits Consumer Reporting Agencies ( " CRA '' ) from engaging in deceptive and unfair practices. 

WHAT YOUR COMPANY NEEDS TO KNOW 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) ) contained in my credit/consumer file.

2. I carefully investigated this incident, the U.S Bankruptcy Court never provided any information to the credit bureaus, nor do they ever validate and/or confirm public records. The attached letter states these facts unequivocally. 
3. The credit bureaus have reported derogatory information to my consumer/credit for 7 years since 2016, and have caused me much difficulty in attaining fair interest rates4. If the CRAs can not validate the information with the information furnisher, CRA must remove said information from the consumer file. '' 4. According to the FCRA, I have the right to an accurate consumer/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 non-monetary relief
Consumer complaint received 2023-06-06 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: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
On XX/XX/2023 I submitted a complaint through the CFPB complaint # XXXX stating WAYPOINT RESOURCE GROUP was using Color of Law to publicize and furnish inaccurate and private information that has resulted from its own acts of Fraud and Identity Theft as defined by 15 USC 1681a ( q ) using extortionate means to collect on debts not owed which is a crime. 

In the attachment I requested this agency provide PROOF it acted with Lawful authority when it obtained and shared my information to consumer reporting agencies, and in their CFPBn response they FAILED to do so. 

On XX/XX/2023, someone by the name of XXXX XXXX XXXX responded to that CFPB complaint on behalf of WAYPOINT RESOURCE GROUP stating that after investigating my claim, and making attempts to contact their alleged client ( assuming this is the alleged original creditor ) and that she coded the account as FRAUD in their system ; However she failed to confirm the account would be deleted form all third party consumer reporting agencies. 

This is another violation of federal law 15 USC 1681s-1 ( a ) ( B ) which clearly states : " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.

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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
While depositing our business cash deposit at the XXXX XXXX WA location ATM the power went out. We spoke with customer service and they said they would balance the totals and report what the actual deposit was and credit us the exact amount. they then said in the meantime they would like an estimate so they could credit our account temporarily. I specifically requested to not get the credit as it would be more headaches to account for this. Ultimately I spit out an arbitrary total with the disclaimer that its likely incorrect. They credited us that amount of {$4000.00}. I reached back out a few months later only to be told that number is the number I get, so I let them know it was CLOSER to {$8000.00} after a brief review and would report the true expected deposit to my business banker. This total included some change as I provided the complete expected total {$8800.00} as opposed to the to actual which we would have retained the coins. They then said our request to adjust is denied due to the inclusion of cents. Their customer service has been rude, condescending, and unable to follow simple instructions along with the fact that they are sitting on thousands of unearned dollars and will not provide a resolution even after following their direct instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A Bank of America employee XXXX XXXX on multiple occasions accessed my personal information to search state websites for unclaimed money owed to me, then admitted she had done so. She also used my incarcerated brothers identity to open multiple credit accounts and accrue over {$13000.00} in debt fraudulently. I contacted Bank of America with this information and offered to show them proof of all of these things such as his credit report, showing everything is going to her address and communications between her and I where I asked her about it he fraudulent accounts and she admits to it and offers to send me the cards and doesnt. The bank declined to accept the information and stated they could not do anything about it. XXXX XXXX is actively stealing identity from vulnerable people who have no access to stop her using her position at Bank of America to assist her commit crimes and they dont care.

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