vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: PA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX. USDOE/XXXX  Account # XXXX. XXXX Account # XXXX. XXXX XXXX Account # 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 Section604 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 2022-07-20 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: PA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX. USDOE/XXXX  Account # XXXX. XXXX Account # XXXX. XXXX XXXX Account # 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 Section604 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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : 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 2022-07-20 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: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
In XXXX of XXXX, I received an alert that my Wells Fargo credit card payment was late. This was an alert from one of the credit reporting bureaus, and not an alert from Wells Fargo. Apparently, they thought it was more appropriate to contact the credit bureau before contacting me directly... 

This alert came as a surprise to me, because I hadn't used my Wells Fargo credit card for about a year. I also hadn't been receiving statements, so I had no visibility of what was occurring with the account. 

I immediately reported the fraudulent charges to Wells Fargo. Somebody investigated and sent me a letter. The letter said that the fraudulent charges would be removed. 

In XXXX of XXXX, Wells Fargo reported me to the credit bureau again. Apparently, they lied when they said the charges would be removed. 

I paid off the account at that time, to prevent further damage to my credit report. I had no idea the amount of the balance. I made my best guess, and apparently I overpaid a little. 

Fast forward to XXXX of XXXX. After many contacts with Wells Fargo, I finally get a complete copy of my credit card statements. But, they still have not refunded the fraudulent charges. 

I carefully reviewed the statements, and I was able to determine that all of the charges on the account were not made by me -- they were fraudulent charges. I submitted yet another claim, but this time I was able to provide details from the statement. 

And after many more contacts initiated by me, I've been thoroughly ignored.

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 2022-07-20 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: OH

Complaint narrative:
I checked my credit card that Ive had since I was XXXX and it gives me free credit updates. It shows there were two credit checks that I did not authorize. 

XX/XX/XXXX from TransUnion for XXXX XXXX XXXX  XX/XX/XXXX from XXXX for 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 explanation
Consumer complaint received 2022-07-20 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: MI

Complaint narrative:
Transunion was notified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of these inquiries. Transunion was submitted the dispute and the police report, i also called them on 4 occasions to notify them. They have refused to remove these fraudulent inquiries. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX 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 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 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX acct # XXXX and LVNV Funding acct # XXXX are reporting fraud accounts on my credit bureau. They both have been calling and threating to take my social security check by garnishment. I have told them over and over to sop call and I do not owe this debt or know what they are talking about. These are the only things on my credit file which I didn't do. I'm XXXX XXXX XXXX and about to turn XXXX this XXXX. I have had the same local auto insurance company for over 25 years and I have never had an credit card. This should be unlawful to allow someone to open an account without 100 percent verification. I never gave permission or identification for neither one of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I opened an account with CHIME. I received an email from the CEO thanking me for becoming an account owner at chime. I received the debit card in the mail a week or so later. when I tried to activate it, I got error message saying my account was suspended. I've been emailing for months with no help. I have an account opened in the name I own, and can't access it. ive called multiple times in over weeks now and they keep saying that they will respond to my email.its been weeks. I know securities were created with my signature. I know my credits are being used without my authorization. I warned chime multiple times. now this is final notice. I will submit forms for IRS to get involved in 3 business days. the email associated with account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My Navy Federal Credit Union XXXX credit card has a due date of XXXX every month. I am given 3 day grace period. Therefore my statement ending date is the XXXX. This month I made a payment towards my balance of {$2000.00} on XXXX  XX/XX/2022. The {$99.00} minimum payment was made in the morning while {$2000.00} was made in the evening. These payments were taken out of my account instantly. 

Navy Federal released my XXXX statement on XX/XX/XXXX. They did not take into account either of my XX/XX/XXXX payments stating that my payments were made after XXXX XXXX  on XXXX. This is not accurate as the {$99.00} payment was made before XXXX on the XXXX. The {$2000.00} was made in the evening. But even then NFCU, took out the money instantly and should have recognized revenue on the date they earned it which is the XXXX. This is an abrogation of XXXX revenue recognition principles. 

I called NFCU on the XXXX to point out that I was concerned my payments were not being reflected accurately. They told me I should wait until Tuesday once the amounts have posted for them to release a new statement. I called on Wednesday XX/XX/XXXX. The statement was indicating that the payments were made on the XXXX. This is a misrepresentation. They refused to redo the statement. 

I would like them to redo the statement to reflect the accurate economic reality of my credit card transactions. Their action if left unaddressed will harm my credit scores and hinder my prospect of getting financing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, went to XXXX XXXX XXXX XXXX I was in need of a car and I was asked for my driver 's license plus my SSN. The car that I choose was a XXXX XXXX XXXX with XXXX miles. After my information was input into their system I was asked to pay a down payment of XXXX XXXX XXXX their finance department completed a credit application. I left the lot thinking that everything would be good my payment where XXXX monthly with self-employment I was able to pay. XXXX months in I found myself not able to work like before due to the XXXX XXXX out brake and the high number of people that contracted the virus. I informed Ally of this issue and that my payment would need to be postponed for a little bit. My aunt paid the bill that was passed due also the current payment which was XXXX then I paid XXXX XX/XX/XXXX. This debt is an alleged issue as followed I was not supposed to give any type of cash when I first got the car. 
FCDA 1602 ( J ) - " Open-end Credit Plan " are the subject of the transaction are primarily for personal, family.

1605- in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, PAYABLE directly or indirectly by the to whom the credit is extended.

15 USC 1691 ( d ) 6- Harassment of physical person, reputation, or property of any person 1602- In case the case of an open-end credit plan involving a credit card, the credit card ISSUER and any person who honors the credit card and offers a discount which is a finance charge is CREDITORS.

15 USC 168-Consume reporting agency shall promptly provide to the person who provided the information in dispute all relevant information.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: RockLoans Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX charge XXXX I was not authorized, and report to my credit report Rocket loan report XXXX installments loan to my credit report, this is someone use my ssn to get personal loan, I was a identity Theft person on XX/XX/2022, I gave police report, FTC report, but they not respond it, cause my credit from XXXX to XXXX, I never make loan, I dont need, this 2 company is unsecured company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: OH

Complaint narrative:
I checked my credit card that Ive had since I was XXXX and it gives me free credit updates. It shows there were XXXX credit checks that I did not authorize. 

XX/XX/XXXX from XXXX for XXXX XXXX XXXX  XX/XX/XXXX from Experian for The 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 explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
As of XX/XX/2022 I am under foreclosure by the mortgage service provider FLAGSTAR BANK with XXXX XXXX XXXX XXXX XXXX XXXX, acting as their collection agency/attorneys. The actual lender is XXXX XXXX. 

I had a reinstatement fee of {$43000.00}. Of that amount, I am approved for an ILHAF ( Illinois XXXX Assistance XXXX ) XXXX of {$30000.00} by XXXX XXXX Illinois XXXX XXXX XXXX ) pending a $ XXXX or less reinstatement fee being provided to them by FLAGSTAR. I attempted to directly pay the difference of the grant and the reinstatement fee to FLAGSTAR. The reason I did that is because XXXX will not make a partial payment of what I owe to FLAGSTAR. Therefore, I did over XXXX extremely grueling hours of overtime over XXXX pay periods to attain the amount to get the reinstatement to {$30000.00}.

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 2022-07-20 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  Account # 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, has violated my XXXX. 15 U.S.C 1681 section 602 A States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 2022-07-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX # xxxxxxxxxxxx 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 # xxxxxxxxxxxx XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I have a prior HELOC loan that was converted to a subordinate lien against my home by XXXX XXXX Bank in XXXX. I had filed for bankruptcy and mortgage protection for my primary mortgage but it was not accepted or recognized for my HELOC. They called in the loan and refused to take payments unless it was paid in full. In XX/XX/XXXX thry sold my subordinate XXXX to a loan servicer who also would only take payments in full. I have tried a short payoff and modification but thry were rejected. The balloon payments have {$27000.00} in interest attached to the original {$3000.00} loan balance. I have attempted to mail payments to show a payment history but the payments are returned and the servicer won't show any records of my attempted payments. The company is called Specialized Loan Servicing out of Colorado. I don't qualify for a refinance because of the delinquent status and I don't qualify for a large enough personal loan to pay this {$57000.00} bill in full.

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 2022-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OCMBC, Inc
State: VA

Complaint narrative:
Loanstream has acted negligently with respect to a new FHA mortgage. Property was supposed to close early XXXX. For weeks the lender has delayed, provided no communication, has failed to diligently or reasonably respond to inquiries. Has provided false or misleading information to the borrower, seller, and mortgage broker. Has not assigned a designated point of contact and has not acted with appropriate due care in the processing of the loan. It is unacceptable and has cost the buyer, seller, realtors and title company thousands of dollars in damages. 

Company contact information : ( XXXX ) XXXX XXXX LoanStream Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Some one opened up an checking account under my name and then got unemployment in my name.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I did not receive a statement for this card until it was 2 months overdue with 2 late fees. I attempted to check my balance online and their website was down for 2 weeks. I tried to call customer service and was disconnected each time someone " tried '' to help me, after being on the line for over an hour. This has been going on for over a month and the late fees have not been reversed ( when I was told they would be ). I have called 8 times with the same result - call is disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is incorrect information on 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 non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
So received numerous calls and texts about a debt that doesn't belong to me. I told them, and they still continue to call and text me.

Company response to consumer: Closed with explanation