vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an 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 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Around 2 or 3 years ago my brother stole my information and was using it to open fraudulent accounts in my name that I didnt consent to.

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 2022-08-19 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: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
What mortgage company transfers a mortgage without notifying the mortgagor? At some point in XXXX Wells Fargo transferred our mortgage to another company. We did not/have not received any information from either company. XXXX XXXX our account was current with the exception of late fees. At this time, I had been on the phone with Wells Fargo monthly for several months and no one informed me this was happening. On XX/XX/XXXX I logged on to Wells Fargo to request a forbearance due to the pandemic and loss of employment and business. The website said it was taken care of. Payments were stopped as a result. Payments resumed in the fall of XXXX when the time period ended. I continued making payments to Wells Fargo to date. XX/XX/XXXX we suffered a break-in and checks were stolen ; XXXX XXXX XXXX XXXX case number XXXX. Unfortunately, XXXX XXXX XXXX had to issue a stop payment on a range of check numbers and a Wells Fargo payment was included in it. The check was immediately reissued once the original was processed. Wells Fargo and/or XXXX XXXX XXXX XXXX XXXX our monthly payments. I'm not sure if they are holding on to them or what exactly they are doing. I have attempted on multiple occasions to speak with a representative with both companies and get nothing but the run around. With our XXXX XXXX  it made us aware that this new mortgagee, XXXX XXXX, did not honor the forbearance period and has stopped applying payments to our account. XXXX XXXX has not sent us anything, nor have they telephoned us. What type of mortgage company does not communicate with their clients? Not a single statement, email, telephone call or any other documentation. WE need your assistance to get this resolved as soon as possible.

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 2022-08-19 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
On my credit report, I noticed a credit inquiry from XX/XX/2020 that I did not authorize. I contacted the company via phone to get this inquiry removed. They advised I would have to go through my XXXX for the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: FL

Complaint narrative:
Around 2 or 3 years ago my brother stole my information and was using it to open fraudulent accounts in my name that I didnt consent to.

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 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC
State: IL

Complaint narrative:
I opened XXXX XXXX XX/XX/27 at XXXX XXXX XXXX XXXX  center in XXXX XXXX, IL because they recommended it. I was completely rushed through the entire process because the tire shop was 10 minutes to closing and wanted me gone. I was not explained much, was told that I would have no interest before the 90 days. XXXX XXXX has been charging me XXXX a day! My balance started at XXXX now its XXXX even with payments being made on time. I can never get caught up because when I make a XXXX $ payment only about XXXX $ of that actually goes towards the balance. My interest rate is 194 %. Easy pay also likes to tack on returned checks and pretend that was the case so that they can tell you they are adding an extra XXXX $ for it being returned. Infact everytime I make a payment it just goes to interest and thats it. I have called several times and I always get a horrible answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a current XXXX member. I order quite a bit through this app. On XX/XX/22 XXXX started sending me a green link to apply for a chase XXXX credit card the promotional offer was {$200.00} XXXX credit plus XXXX XXXX XXXX XXXX membership. On XX/XX/22 I clicked the link and applied for the card. On this same date I got a confirmation email that I applied. On XX/XX/22 I got an email stating I was approved and to expect my card I. The next 5 days. On XX/XX/22 I got a {$100.00} promotional credit applied to my XXXX account. In immediately called and was told it was an error and that Chase was aware of it and would fix it. I called and was told that they were putting in a request to apply the additional {$100.00} to my XXXX account that was never applied. I called a few times after this date and was told the request was in process. On XX/XX/22 I got a letter Al telling me I was not eligible for the promotion. I only applied to to this special promotion to buy food for my child for school. I called again to find out why I was not issued the credit and the rejected my request. He told me it was too bad and that there was nothing he could do. I have been a customer of chase for over 28 years. I do not appreciate the treatment I received or the customer service I received. I was told I would be getting the adjustment. Please help me get my {$100.00} that I was promised. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: NY

Complaint narrative:
According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. EXPERIAN has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give EXPERIAN written instructions at any time to report The following XXXX account is being reported on my consumer report without my written consent. the CFPB STRICKLY prohibits this in accordance with federal law. 

Please see the attached invoice and affidavits for the following violations.

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 2022-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
This is not a matter that I need personally resolved. I am fine. I have not fallen for what I view as the predatory behavior of Nationstar DBA Mr. Cooper. Rather, I simply would like to draw this to the attention of the CFPB because in my opinion its despicable, wrongful, predatory, misleading, and for all I know perhaps it is illegal. 

A few months ago the servicer and owner of my VA Mortgage ( XXXX ) transferred ownership of the mortgage servicing rights to Nationstar DBA Mr. Cooper. Previously, they had been the sub servicer. 

Since then, the new loan servicer ( Mr. Cooper ) has been trying to get me to refinance my loan by sending me monthly solicitations. In my view, they are not doing so in good faith. For example, today I again received a flyer in the mail from Mr. Cooper which says : Now that youre a Mr. Cooper customer, well be keeping an eye out for ways to make your loan even better. 

Keep in mind that I am only their customer involuntarily. In any event how does Mr. Cooper propose to make my loan even better? By replacing it. Yes, according to these guys, my loan will even better if I engage in a cash out refinance. So my loan ( 30 year VA fixed at 3 % ) would be replaced by their loan on terms XXXX  but certainly not at 3 percent. 

If they want to send advertising to their captive customers I suppose thats their privilege, but it should not be ok to do so in a manner apparently intended to entice potentially gullible customers with what ( in my opinion ) are lies. If my loan is to be replaced, as they propose, it could not be even better because it would no longer exist. Further, putting that silly rhetoric aside, it is simply false by any reasonable standard to suggest that the loan they are proposing is even better than the one I have. 

As I said above, this is not a personal problem for me. I am not fooled by this. I have no interest in refinancing and would never voluntarily enter into a new relationship with Mr. Cooper. I simply want to suggest that the CFPB might want to look into this kind of advertising by this company. It really is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There was a charge in the amount of {$9700.00} on XX/XX/2022 from XXXX XXXX XXXX a place where I have never been or authorized charges from. I called BOA Fraud department and they said they would send me a new card and research the dispute. However, I got a letter in mail today XX/XX/2022 saying my fraud claim has been rejected and I am responsible for this amount I can not pay this because 1 ) I never did charge 2 ) it would put me in financial ruins.

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 monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I was made aware of this debt that's on my credit report that is not mine. They gave me the wrong address where I was supposedly living at and then they gave me my parents address. Dynamic recovery solutions account number. XXXX two claims for two different amounts. Of {$600.00} and {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I stayed at the XXXX XXXX in XXXX on XX/XX/XXXX. On my XXXX Citi-Corp credit card statement I was charges {$500.00} from the hotel. I contacted accounting at the hotel on XX/XX/XXXX and asked abut the charge. They said I broke the television. I did not even turn on the TV. I was attending a school board conference all day into the evening and early the next day. I asked what was broken and how much it cost and who reported it. The XXXX XXXX declined giving me any information, saying that information was is confidential. On XX/XX/XXXX, Citi said it was probably damages. They told me that the XXXX had the right to charge me because I had given them my card when I checked it. I asked them to contest the charge. On XX/XX/XXXX they sent me an unsigned form letter denying my claim, using the same verbage they gave on XX/XX/XXXX. 
FACTS I did not use the television XXXX is not showing any proof that it was broken or that I did it. 
Citi-Corp did nothing to help me.

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 monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I Did live in the address that im being Charged for. Also I don't know how someone could get service in my name without me knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with. I did not provide Experian with any written authorization, consent or instructions to accept, furnish, or report information on my behalf

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 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, My mother assisted me with opening an account to help with XXXX  XXXX. My account was approved immediately, and on XX/XX/XXXX, I used the card to pay the remaining balance on the day of XXXX to XXXX XXXX XXXX XXXX The XXXX  office submitted my personal and driver 's license information to Care Credit when they charged my card funded by Synchrony bank. 

Today we learned that my date of birth was entered incorrectly, preventing me from accessing my account or creating an account. When we called to inquire, the Synchrony representative only verified the last four digits of my social and Care Credit Card and date of birth, which was incorrect. They would not allow me to correct it online, even if we inadvertently entered my mother 's DOB or sister 's DOB, or confirm that was the case. The Rep or Supervisor did not verify my address, the purchase, or other information. Claiming they were protecting my security and personal information, but the only option to verify my identity was to mail my driver 's license ( 3rd party since I do not have a fax ). When you call Care Credit, owned by Synchrony, providers have an option so if they want to verify or update my information, there are other ways instead of putting my identity at risk by faxing or mailing. 

Supervisor XXXX also suggested to my mother to email a copy of my driver 's license through my account since she agreed the two options were a huge risk. I challenged her when I pointed out the account was approved with an incorrect date of birth and used, and now they are making it difficult for me to correct the issue and access my 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 non-monetary relief
Consumer complaint received 2022-08-19 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: FL

Complaint narrative:
CFPB + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, On a recent review of my credit report, I discovered XXXXXXXX XXXX  XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify XXXX XXXX XXXX XXXX that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - Written letter of complaint - Copy of my drivers license - Copy of my social security card - Copy of proof of address via a bank statement

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 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have numerous Inquires that need to be removed hard and soft - and also a Bankruptcy that needs to be removed.

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 2022-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
In XXXX, I sold my home under threat of a prematurely filed foreclosure petition voluntarily. Nationstar inaccurately underreported the amount of interest they received, placed unearned foreclosure fees in a suspense account for the last 8 years causing negative credit reporting that caused premature deletion of their tradeline. It was disclosed to me in XX/XX/XXXX that what I didn't know was that Nationstar allocated {$11000.00} for late fees at {$56.00} a piece while reporting in detail reports to me they allocated {$2800.00} to which has caused me to be ineligible for applying for a residential loan for 8 years. See lines XXXX XX/XX/XXXX, in an internal file of the account, and then XX/XX/XXXX Nationstar 's lawyer claimed it was updated in a letter attached dated XX/XX/XXXX. This counsel caused Natiosntar to involve me in two agreements waiving my rights before the lawyer disclosed lines 81-86 were never actually updated dated XX/XX/XXXX and XX/XX/XXXX, denying any error in payment allocation in the face of clear inaccurate payment allocation in lines 81-86.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: Grant & Weber
State: FL

Complaint narrative:
CFPB + XXXX XXXX XXXX XXXX Grant & Weber Inc, On a recent review of my credit report, I discovered Grant and Weber Inc reporting the collection account referenced herein.

Pursuant to the Fair Debt Collection Practices Act
( FDCPA ), I hereby notify Grant and Weber Inc that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Attached to this complaint are : - Written letter of complaint - Copy of my drivers license - Copy of my social security card - Copy of proof of address via a bank statement

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