vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I requested a payoff letter from my mortgage servicer - the payoff letter received was dated XX/XX/2022 and good through XX/XX/2022. An outgoing wire was sent to the servicer on XX/XX/2022 at which time the wire was then returned to my attorney 's office on XX/XX/2022 as short funds. 

I then requested an updated payoff good to XX/XX/2022 - a wire was sent to the servicer once again to pay the loan off in full in which I was told the payoff was still short as yet another advance was made on my loan. I requested an additional payoff letter and was told I was not authorized to do so that I would have to go online to obtain and submit authorization on my own account. As I explained I do not have internet access and had to call to get the payoff I was directed to a supervisor and had to leave a message. I am merely trying to payoff my loan in full, but it is costing me XXXX upon XXXX of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I had unauthorized charges from XXXX on XX/XX/XXXX. I reported it to Chime on XX/XX/XXXX. The next day the denied the claim. When I looked at the documents they used to deny the claim they stated it was due to me depositing money in my account the same day. My purse was lost with all of my cards inside. I shared the information with Chime and they did not use that information in their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Grow Credit Inc
State: TX

Complaint narrative:
I would like my derogatory remark removed. This account is are misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$60.00}. I have reached out to this creditor multiple times that this debt is not mines. I never lived at the listed address and I never had service with this company. I have provided police report as well. The creditor stated to me that there was nothing that they could do to assit with this fraudulent account. Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized credit inquiries made by the following companies : ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give Experian permission to furnish this information onto my credit report. This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights under the No Surprise Act of XXXX. 
I have asked this company to Validate this information to better help fix this in which they have failed to do so and simply " Updated '' on my report. I have not received any documentation showing my signature giving permission for any of these inquiries.

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 2022-12-02 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : 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

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 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XXXX XXXX. I was checking my consumer credit reports and discovered my credit score dropped XXXX points. I checked further and noticed a company called Transworld Systems 1. on my report for {$200.00}. I have no knowledge of this alleged debt or company and the company is supposed to send a document, mail, proof of some sorts for me to dispute this debt. I have not received nothing, and for it just to show up on my reports is not right as the consumer. My credit took a hit for nothing, company did not do their part. 
I sent them a certified letter which they should be received XXXX XX/XX/2022 as a matter fact. Sharing how they violated me. I will be fighting this and I also shared, I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX, Account # XXXX has violated my rights.

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

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

From the dates XXXX. I have tried disputing it because I was a victim of XXXX. With the XXXX Forbearance program, I was eligible to dispute those late payments and get them removed from my 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 explanation
Consumer complaint received 2022-12-02 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/2022, Unable to Access Truist website. System is apparently down and no way to get help. No phone help as the auto system will not direct me to a help page, XXXX page is only way to comment and it has no update posted on outage. Tried a messaging but no response after 1 hour. Chat doesn't respond.

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 2022-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I been approved for 6 months mortgage payment with HAF Home Assistance Fund in Florida, last month XXXX  apply the firt payment after I submitted a complaint, but now they tranfer my loan to a new company call Newrez Shellpoint... I call HAF, the money for the second month is been send but Newrez claim they don't have it, thet haven't apply the second month payment in my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: IL

Complaint narrative:
In accordance of the fair credit reporting act this creditor has violated my rights u see 15usc1681 section602 states I have a right to privacy 15usc1681 sec 604 a sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under an open an consumer plan as late for any purpose XXXX  XXXX XXXX XXXX XXXX XXXX an XXXX XXXX I am trying to get corrected

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 2022-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On or about XXXX I spoke to a Citizens Bank Customer representative to make a total payment of {$4700.00} to my mortgage, during which time I specified that among the payment {$730.00} shall be applied to my regular payment and {$4000.00} shall be applied toward my principal. A total payment of {$4700.00} was withdrawn ( as one entry ) from my Citizens Checking Account on or about XX/XX/. 

On or about XXXX however, per Citizens Mortgage, the {$730.00} regular payment was processed and {$4000.00} principal payment was " reversed, '' while I had sufficient funds in my checking account. 

As of today, XXXX, 2 weeks after the return, the {$4000.00} funds were still not returned to my checking account, nor was it applied back to my mortgage payment. I tried to follow up with Citizens mortgage multiple times, and until XXXX  I got a most recent update where I was advised that the funds were returned to me, however, the representative was not able to or failed to disclose, where, how and when was the funds returned to me. I requested transaction ID/tracking/confirmation information for their alleged return of funds, however, none was provided to me. They were also reluctant to disclose what is the processing time for the funds to be returned to a checking account with the same bank ( Citizens Bank ). 

At this point, I am concerned that Citizens Bank has mistakenly forfeited my {$4000.00} and refused to return same to me, while they were not able to provide any reason for said return/reverse either. 

I reserve my right to file a legal action against Citizens Bank if this issue is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-12-02 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: LEXISNEXIS
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under. 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 an account without my written instructions. Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist 's entire system is down and is not allowing me access to any of my money and the wait time on the phone is over an hour.

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 2022-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: TX

Complaint narrative:
Ive contacted XXXX XXXX XX/XX/XXXX regarding a collection on my credit report. At the time of the service my daughter had VA XXXX. XXXX XXXX did not bill the services correctly. XXXX XXXX response was my daughter did not have coverage. Which incorrect. I provide patient XXXX with the documentation. Now the bill has been turned over to collections. Ive been disputing this bill since then. The original amount was {$250.00}. The XXXX XXXX XXXX XXXX has the amount {$460.00}. Ive contacted XXXX and disputed the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also contacted the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My girlfriend sent me a couple of checks for me to cash in i deposited them into my account using my chase checking and couldnt get back into my online banking I called chase about five times in different days and they told me that the checks need to be cleared in order for me to get into my online banking One guy in particular told me that the problem should be resolved the next from the phone call I made with him. Its now three day ahead and I still couldnt get into my online banking so I called chase again they then told me that my account will be closed and that I cant do anything about it. Also telling me that I will not be able to open another one in the next three months Also a couple weeks prior to this happening my chase account was hacked into in which a person spent XXXX $ in my account in a XXXX in XXXX Florida XXXX Ive never been to Florida and they have still yet to resolve that case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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.

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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
This isnt the first time but XXXX tried to withdraw money from my account at Truist bank but was told AGAIN ( this isnt the first time ) that there system was down and would have to try later. If they are unable to let me withdraw money then we should be able to go to another bank and use there teller machine and Truist reimburse the fees for using another bank. Never had this problem with Suntrust! Thanks

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 2022-12-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have been trying to get myself put in place as Power of Attorney over my mother, XXXX XXXX XXXX, accounts with PHH morgage, and despite me and my lawyer both sending them the documents and requesting they disclose all of the information on an account my mother has no memory of opening and that we, so far, have found no evidence of being paid out to her, they continue to say that information is missing, things like the documents are missing a page even though the lawyer had checked and they are not. They have also tried to claim that our lawyer has no rights to the information after he sent them documents proving I and my mother have given him temporary POA to act in her best interest reguarding this matter. Furthermore, the have multiple phone numbers online or in our documents that are not working numbers, and one number even tried to get me to input her entire social security number over the phone, which I refuse to do. So we have been unable to speak with anyone regarding this matter either. 
I will attach the emails from myself and PHH morgage to show that I have been trying to work with them for weeks now. 
Thank you for any assistance you can give us, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unable to access my account via on-line or phone service. Phone service states unable to verify my account, when signing on to on-line services keep getting kicked out No notification of any issues on the company website or phone service I

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