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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all of the financial institutions above all violated15 U.S. Code 1681c - Requirements relating to information contained in consumer reports also15 usc 6802 a financial institution which has been listed above may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not affiliated with EQUIFAX they can not disclose any nonpublic information to EQUIFAX without my consent which I have not given any consent. Also have violated 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have previously submitted XXXX claims XXXX and XXXX. Wells Fargo has provided incorrect information. Again my mortgage was never XXXX months past due. Wells Fargo put me on a modification while I was in bankrupcy and did not disclose that they borrowed money from HUD.. Wells Fargo needs to provide a detail payment history of that loan up until the payoff date. I will continue to pursue all parties involved for their negligence in this matter from XXXX XXXX who was the attorney who conducted the title search, Wells Fargo, and HUD. This has cause an incovience for XXXX years to my family and myself.

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: 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: TX

Complaint narrative:
My first letter to Equifax about these acollections was sent in XX/XX/XXXX. I sent out verifications & validation letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Equifax only responded XXXX weeks ago, claiming that the collections had been validated, but they have not and do not belong to me. 

The FCRA requires you to preserve a copy of the original creditors ' documentation to verify my information. Your investigations " confirmed '' that these items are " reported appropriately, '' you wrote. Who approved these accounts? You have failed to provide me with a copy of any original documents ( a consumer contract with my signature ), as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In addition, you failed to submit Section 611 ( a ) verification ( 7 ). According to FCRA Section 611 ( 5 ) ( A ), you must " immediately DELETE all information that can not be verified. '' Civil liability is obvious, as are my remedies ( Sections 616 & 617 ) for breaching federal law. I am a litigious customer who intends to litigate in order to enforce my FCRA rights. 

I need these accounts verified or terminated right away : XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XX/XX/XXXX {$490.00} XXXX  XXXX XXXX XX/XX/XXXX {$61.00} XXXX XXXX XXXX XX/XX/XXXX {$130.00} XXXXL XXXX XXXX XX/XX/XXXX {$80.00} XXXX Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
{$2500.00} was taken out of our checking account without our permission. We dont know who took it out. They treated us like criminals. Citizens Bank kept cutting me off when trying to talk. They said IF we got it back IF it was fraudulent then we might get it back in XXXX business days.

Company response to consumer: Closed with 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In early XXXX, a dispute was submitted to Experian indicating that there were inaccuracies in the manner in which an account was reporting on my report. Experian adjust the balance to {$0.00}, which was accurate but also extended the date for which the account would remain active on my credit report from XXXX ( which was also inaccurate as account was closed in XXXX and should only remain on report until XXXX ) to XXXX. This made the account appear as if it reporting a foreclosure which is a more detrimental mark on credit than a deed in lieu. 

In late XXXX a second request to address inaccuracies in the manner in which the account is reporting was met with what can only be described as retaliatory action. Experian placed multiple months of no data reported to extend an account that closed in XXXX to be open until XXXX and then indicated that the deed was received by the creditor in XXXX of XXXX. Resulting in a drop to my credit score of XXXX points and remaining on my credit until XXXX of XXXX. This is an abuse of their access to my credit history. My account moved from in accuracies in status to blatantly inaccurate information. I requested that if the information could not be corrected ( length of time the account would remain on my report in turn correcting that status that the account is being report - deed in lieu not foreclosure ), that it be deleted. Instead the account now has gaps of unverifiable information and inaccurate that were placed there simply because I asked them to correct the information they are reporting.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs/Apple XXXX says that they report the status of all accounts once per month in the third week. But, this is not true. Sometimes the status/balance is reported in the third week, sometimes the data is updated after my payment due date on the XXXX of the month. In either event Goldman Sachs will not give a precise date on which the account status is reported to the credit bureaus. 

It's impossible to monitor my credit and manage my finances without a specific STATEMENT CLOSING DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
I informed the company to stop and decease the constant calling they start from XXXX till XXXX. 
My history in my phone only goes back to XX/XX/XXXX all the way through till XX/XX/XXXX. I do have them blocked but they somehow get through to my voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
receiving fake dept and fake PayPal account. we do not owe or own this account it is fraud according to PayPal and Synchrony bank here it is the email i get every day for weeks now ...... fishing From : Synchrony Bank <XXXX> Date : XX/XX/2022 at XXXX XXXX  XXXX To : XXXX Subject : XXXX, Take action on your PayPal Credit account Reply-To : Synchrony Bank <XXXX> Account Ending In XXXX | Log In You missed a payment. Lets get back on track. 


Hi XXXX, Your PayPal Credit account is past due. Reminder, Synchrony reports your account status to XXXX, XXXX and XXXX credit bureaus monthly. 

Your minimum payment due includes the past due amount of {$110.00}. 
Current Balance Minimum Payment Due Due Date {$4300.00} {$270.00} XX/XX/2022 Make a payment today or schedule a future dated payment by opening your PayPal App We're here to help XXXX Call us WeekdaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. 

If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. 

This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT 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 2022-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX working with XXXX XXXX ( XXXX @ XXXX ), my realtor, secured a contract to sell my home ( XXXX XXXX XXXX, XXXX, VA ). The contract was that the buyers would assume the current VA loan@ 2.5 % with Freedom Mortgage. Immediately, XXXX contacted Freedom Mortgage about the assumption process. He was told that it would take 30 days. On subsitant calls he continued to get conflicting information which finally being told that the process could take anywhere up to 90 days. 
Throughout this process, Freedom Mortgage dragged the process along until finally we were able to close on XXXX XXXX XXXX  with the Buyers closing on XXXX XX/XX/XXXX. We were told at closing that funds would be distributed up on filing the papers on Monday, XXXX XX/XX/XXXX. 
Here we are, on XXXX XX/XX/XXXX and still Freedom has not completed signing all the required papers. Both my realtor and the Title Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have tried on numerous occasions through phone calls and emails since Wed and have not received any responses. 
Freedom Mortgage has been unprofessional through this process. We were lucky to have a buyer who stuck with it. 

Really need help getting Freedom Mortgage to sign off on the settlement since to our knowledge, it should have been completed before both sides signed. Freedom Mortgage has caused an unnecssary delay with regards to recording in court and funding. On XXXX XX/XX/XXXX working with XXXX XXXX ( XXXX @ XXXX ), my realtor, secured a contract to sell my home ( XXXX XXXX XXXX, XXXX, XXXX  ). The contract was that the buyers would assume the current VA loan@ 2.5 % with Freedom Mortgage. Immediately, XXXX contacted Freedom Mortgage about the assumption process. He was told that it would take 30 days. On subsitant calls he continued to get conflicting information which finally being told that the process could take anywhere up to 90 days. 
Throughout this process, Freedom Mortgage dragged the process along until finally we were able to close on XXXX XX/XX/XXXX with the Buyers closing on XXXX XX/XX/XXXX. We were told at closing that funds would be distributed up on filing the papers on Monday, XXXX XX/XX/XXXX. 
Here we are, on XXXX XX/XX/XXXX and still Freedom has not completed signing all the required papers. Both my realtor and the Title Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have tried on numerous occasions through phone calls and emails since Wed and have not received any responses. 
Freedom Mortgage has been unprofessional through this process. We were lucky to have a buyer who stuck with it. 

We need help to get Freedom Mortgage to sign off on the settlement since to our knowledge it should have been completed before both sides signed. Freedom Mortgage has caused an unnecessary delay with regards to recording in court and funding. Please Help.

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 — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
On XXXXXXXX1without my authorization and permissible purpose my consumer report was accessed for promotional purposes without my knowledge by ROCKET MORTGAGE located at XXXX XXXX XXXX XXXX, MI XXXX XXXX Pursuant to 15 USC 1681 b, they are in violation of FCRA I have sent a communication to the party responsible which I will be attaching to this complaint.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit bureau violated my privacy rights and allowed XXXX XXXX XXXX XXXX to place negative reporting information against me on my credit bureau file that is listed with their company under my identity/social security number without my permission. According to 15 U.S.C. 1681, 15 U.S.C. 1681 i ( a ), 15 U.S.C. 1681 Sec. 602 A and 15 U.S.C. 1681 A Sec. 2, I have the right to privacy and these Federal Laws state that a consumer reporting agency can not furnish any account without my written permission and I have not given this credit bureau permission to furnish this information on my credit report. They have violated my credit reporting rights. And, furthermore, 15 U.S.C. 1681 s - 2 ( A ) ( 1 ) ( f ) states a person should 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, which it is. Therefore, XXXX XXXX XXXX XXXX has also violated my rights.

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: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
This company has continued to view my bank information although I have informed them they have no right or authority. I have asked several times to disconnect my bank account and was told the only way they would is if I request another loan. I wrote support XX/XX/XXXX, as well as XX/XX/2022 and management has continued to neglect my emails failing to respond back. I have spoke with XXXX, XXXX and XXXX. XXXX is where my problem began. She told me she can not help me unless I wanted to borrow more money. 
XXXX has confirmed they do not work with my bank, and I informed the company I would like them to stop attempting the verification. The agents on chat has been instructed to give me a rebuttal script and continue to acknowledge my requests.

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: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Got an alert that Hyundai motor finance opened an account. I did not authorize. My old account should be reporting XXXX. 
Misuse of credit card, continued reporting on XXXX account. Keeps reporting old info for purposes of extortionate means. Credit bureaus are reporting inaccurate information. 
Account XXXX lawfully on XX/XX/XXXX. 
By payment in full. 

Keeps reporting billing errors under 12 CFR 1026.13. Collected payments for 3 years on a account that had a finance charge. I asked company to cease and desist for the first time in XX/XX/XXXX. 
Company is blatantly trying to extort funds by negatively reporting on my report. I have seemed remedy with the company several times. 
Company did not default account per new cfpb investigation and I feel that I am party to that complaint. Company stole vehicle and sold vehicle, after collecting the full finance charge, did not disclose the details of the contract. Failed in fiduciary duty to protect the beneficiary. Used beneficiary signature to receive credit, and then collected federal reserve notes, under a alleged car loan. Can not lend money under 42 USC 408. Is purporting that I owe them on a " loan ''

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter out to all three credit bureaus about my disputes and inquiries that I didn't have any knowledge of I also sent them my FTC report because my identity was stolen, they still have all these accounts and inquiries on my credit report this is affecting my life I'm not able to do anything my life is ruined can someone please help me these accounts are XXXX XXXX but it's a closed account XXXXXXXX XXXX it's also a closed account and XXXXXXXX XXXX  and it also is a closed account all of the inquiries have been removed from XXXX but not Equifax and XXXX I've sent them letters and pictures of my identity and social and they failed to send me proof of signature showing I in fact authorized these accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AZ

Complaint narrative:
I received a letter from Law Offices of Mitchell D. Bluhm & Associations, LLC, on XX/XX/2022, that listed an outstanding debt with a company named XXXX XXXX XXXX XXXX XXXX I don't know who that company is or what services that would have been for, so I immediately sent a letter back to them with attached emails I had sent to a company named XXXX XXXX asking about a bill I received from them that I had no idea who they were or what it was for. I never received a response from that company after repeated emails to them. I asked them to send me detailed information outlining what the bill was for. I told them I would only communicate in writing. 

On XX/XX/2022, I received a letter from MBA stating that they had received my dispute but no one from their firm had reviewed the account, so they would inform me of the accuracy once they investigated. I have not received any response to that as of today. 

Today, I received a notification of this debt being attached to my credit report. I immediately called MBA and spoke with 3 different people after being transferred multiple times. I was told that they has mailed an invoice to me on XX/XX/XXXX, just one week ago. I explained that I had yet to receive it ( it's only been a week ) and so I still have no idea who the company is or what the bill is for. I am very upset that my credit now has a major negative report that I still have no information about. 

If this is a valid debt, I absolutely will pay it. But I still do not know what it is for. My understanding is that they must inform me of that before they can report it to the credit agencies. I am so angry that this is now going to have a significant effect on my credit report. My understanding of my rights is that they must give me the opportunity to review the information I have requested before submitting anything to my credit report. I will be submitting a dispute to the credit reporting agencies for this.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number when possible in the attached PDF.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received a court subpoena for a Discover account on XX/XX/XXXX. 
I had no knowledge of such an account being opened under my name. 
On the same date I checked my credit report and noticed 30 other accounts that were opened fradulently due to Identity theft. 
I submitted a dispute through XXXX for the Discover account as well as the XXXX accounts that were opened. XXXX agreed with the identity theft claim and subsequently removed the accounts from my credit report. However Discover Card rejects the dispute, and states the information was reported correctly. 
I provided a Police report as well prooof of my mailing address which is different from that which was used to open the account

Company response to consumer: Closed with non-monetary relief