vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 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: NV

Complaint narrative:
XXXX XXXX XXXX Equifax has purposefully reporting incorrect information to my consumer report. This has significantly impacted my consumer report in a negative light preventing me from receiving credit, loans, cars, & homes. 
Ive also asked both XXXX XXXX XXXX Equifax to remove my personal addresses & information from this consumer report multiple times, however, they have blatantly ignored my instructions. 

XXXX XXXX XXXX Equifax have violated 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1681 Section 602 States I have the right to privacy, & Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 

Each of these violations carry the risk of {$1000.00} each or more. 

I am instructing XXXX XXXX XXXX Equifax to correct the errors to my consumer report expeditiously, & to pay the fine per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
This is regarding Selene Finance, phone number XXXX. My mother passed and I am the designated Beneficiary of my mother 's home. I occupy the home and have asked Selene Finance on XXXX for a payoff number and any loan papers if I choose to assume the loan. They said they would send me both via email. They sent me via email on XXXX a payoff for a loan that was not mine and had all of another person 's sensitive information. I called and emailed on XXXX to file a formal complaint because I am concerned that my information is also being misdirected. I sent back the portal they sent me and the following : " Dear Selene Finance, The attachment you sent me is not for my mother 's account. This information is for someone that is not associated with our loan nor my mother XXXX XXXX. You illegally sent sensitive information to me. I would like to file a formal complaint and have assured evidence that you did not send our information to someone else. Please respond to this email. '' I did not hear from them so on XXXX I sent another email requesting the same and this time attached the incorrect payoff they sent me versus the portal. I still did not hear back from them and called again today XXXX. Selene Finance then had someone call back named XXXX XXXX ( supposedly from their legal department ). He said it was an honest mistake. I told him as a nurse if something like this happened there is a protocol to remedy the situation. He preceded to say that since I was " perfect '' I could not understand that this is just a mistake and there is nothing to be done. I decided to end the call and file a complaint with the FTC. Also, I still do not have all the documents that I requested originally. Thank you for any help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc.
State: NY

Complaint narrative:
Ive been going back and forth with this bank about my money being insured with them and why there not following there regulators regulations Ive been requesting provisional credit from this bank for a few months now and Ive been getting ignored which I understand that the bank adheres to the regulations set forth by the Electronic Fund Transfer Act ( EFTA ) and the Consumer Financial Protection Bureau ( CFPB ). According to EFTA, if an investigation takes longer than 10 business days, the bank must provisionally credit the disputed amount to the customer 's account.

This bank is not following these regulations that was place to protect the consumer Ive sent multiple letters and emails to them and not getting any correspondence back from them at all nothing what so ever Im keep being told someone will contact me within 2-3 business day which no one has and Ive been told this over 3 time so far Which this bank is breaking the law misleading me during multiple recorded phone calls 15 U.S.C. 1611 - U.S. Code - Unannotated Title 15. Commerce and Trade 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

I will like to be treated fairly and not be grated unfairly and rudely threw my current hardship in my lifetime this bank keep hanging up on me rudely no one calls back as they said they will if the phone call is disconnected this bank is not treat me right as a consumer at all and its aggravating and frustrating at this time on need some money in my life where my bills are pulling up and its hard for me to feed myself currently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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  account with account # XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX  opened on XX/XX/XXXX and a balance of {$23000.00}. 

XXXX XXXX XXXX with account # XXXX   opened on XX/XX/XXXX and a balance of {$13000.00}. 


XXXX XXXX  account with account # XXXX   opened on XX/XX/XXXX and a balance of {$25000.00}. 


XXXX XXXX  account with account # XXXX   opened on XX/XX/XXXX and a balance of {$790.00}. 

XXXX Line of credit with account # XXXX   opened on XX/XX/XXXX and a balance of {$6.00}. 


XXXX Unsecured loan with account # XXXX  opened on XX/XX/XXXX and a balance of {$18000.00}. 

XXXX Charge account with account # XXXX  opened on XX/XX/XXXX and a balance of {$1400.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX  and a balance of {$1400.00}. The original creditor is XXXX XXXX. 

Collection account from Unknown with account # XXXX  and a balance of {$49.00}. The original creditor is XXXX XXXX. 

I couldn't apply for a home loan because of all of these negative credit items 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 2023-08-08 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: 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  account with account # XXXX   opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX  opened on XX/XX/XXXX and a balance of {$23000.00}. 

XXXX XXXX XXXX with account # XXXX  opened on XX/XX/XXXX and a balance of {$13000.00}. 


XXXX XXXX account with account # XXXX  opened on XX/XX/XXXX and a balance of {$25000.00}. 


XXXX Charge account with account # XXXX  opened on XX/XX/XXXX and a balance of {$790.00}. 

XXXX  Line of credit with account # XXXX  opened on XX/XX/XXXX and a balance of {$6.00}. 


XXXX  Unsecured loan with account # XXXX  opened on XX/XX/XXXX and a balance of {$18000.00}. 

XXXX Charge account with account # XXXX  opened on XX/XX/XXXX and a balance of {$1400.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX  and a balance of {$1400.00}. The original creditor is XXXX XXXX. 

Collection account from Unknown with account # XXXX  and a balance of {$49.00}. The original creditor is XXXX XXXX. 

I couldn't apply for a home loan because of all of these negative credit items 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 explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  ( Original Creditor : XXXX 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 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 2023-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
On XXXX XXXX I received a phone call from a clerk at the courthouse. She proceeded to tell me that I was being sued and there's a lien on my property and a officer would be at my home shortly to serve me with papers. I asked her what was this about. She said I should have received a letter in the mail informing me what was going on. I told her I didn't. She told me to call the number she provided to get more information because she was allowed to do so. I thought that this was a joke because I knew I didn't owe anything due to the fact I checked my credit report every single week and there was nothing negative on it. So I proceeded to tell my husband you need to call to find out what was going on because I thought it was about him since there wasn't anything on my credit report. He proceeded to call the number I gave him and he stated they were very rude and told him we can't talk to you we need to talk to your wife. I was at work and had to take some time out of my schedule to call and find out what was going on. Why was there a lien about to be put on my property, when I knew I didn't owe anything? The representative I spoke to proceeded to tell me this was regarding a breach of contract from Bank of America. I advised him I never received a letter or anything. He stated this was an account open back on XX/XX/2003 and I owed {$21000.00} but they are willing to settle for {$6700.00}. I advised him I do not have that amount of money but I was fearful he stated they are willing to settle for {$3700.00}. Because I was scared of losing my home. I paid that amount on another credit card ( which I'm still paying because I don't have that type of money ), but I couldn't see another way out. I feel deceptive practices and intimidation was used to get me to pay. This was a 20-year-old debt that should have been and was dropped off after 7 years. They never gave me a credit limit of {$21000.00} and they use fear tactics to get me to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Misrepresentation has been committed on the consumer credit file of XXXX XXXX which violates the Fair Debt Collection Practices Act. Company Name is using extortionate means to collect an alleged debt that I do not owe which violates 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent per FDCPA 15 USC 1692g section 809 ( b ). This notice states that your claim is disputed and validation of the account is required. Provide evidence that you are a license debt collector in my state, chain of title, and a requested copy of your State Department of Commerce and Insurance Certificate. Im also requesting the governing trust instrument, all tax filings and/or interests associated with this account of which I am an alleged party. Please settle the account immediately and cease and desist all communication, Collection and remove the trade line from all consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
XXXX Contacted Chime regarding a direct deposit of {$200.00} from my job, they stated they had not received it XXXX Contacted Chime regarding a direct deposit of {$200.00} from my job, they stated they received my other deposit on XXXX and it was included in there which was {$2600.00}, which it was not I was shorted on my pay. Later I got proof from my job that the money was sent at XXXX XXXX  on XXXX, but Chime again said they did not have it. 
XXXX Contacted Chime thinking it needs to process, via email with the attached proof of the transaction and later Chime asked me to verify who I was. I sent my license photo and my social showing the last 4 numbers. Explaining to Chime that I am going through a divorce and my license and social are not the same due to Covid and not being able to change it and I am divorcing not changing my social to only change it back. 
XXXX Chime asked for more verification and I have had my checks with my married name go into this account for almost a year from more than one job. I sent a tax document from the IRS with my last 4 and my maiden name and my husband 's name from XXXX  taxes when we filed jointly. along with pay stubs from when my name changed, my latest pay stubs that went into this account, a photo of my Chime card, and a Screenshot of my balance in my accounts. I told them I have no other proof I can send please return the money again. They did send it back to my employer, but concerned they will hold my future pays now. I can file taxes with the IRS only with my maiden name cause my Social was not changed so when I opened the Chime account with my social security information I opened my account with the proper last name on my Social Security. I also name all the people that they have on file who I referred to Chime. When I spoke with someone I asked about me account and she was willing to close my account if I wanted easily but I sent you legal documents and you could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX and XXXX XXXX  using the domains pro-medicalkf.com, hemo-tx.com which involved me making deposits for a total amount of XXXX XXXX  from my Citibank account to fraudulent firm ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
At the end of XX/XX/2023 there was a promotion between XXXX rewards and XXXX XXXX  XXXX to reach XXXX  status with XXXX XXXX. I signed up and linked my XXXX account with my XXXX account during the sign up period before XX/XX/XXXX. 

I received confirmation from XXXX that I was enrolled in the promotion and it would start on XX/XX/2023 to stay XXXX XXXX  with XXXX to reach this XXXX  status before XX/XX/XXXX. 

I met the XXXX night requirement by the end of XX/XX/2023. On XX/XX/2023 i reached out to XXXX to see when my Globalist status would be available. 

I was giving a case # XXXX by XXXX as they would look into the problem. They told me XXXX will send XXXX the information that I was enrolled in the promotion so they could update my status. 

I would email XXXX and XXXX where each one was blaming the other for the problem not being resolved. XXXX would tell me I was enrolled in the promotion and it is up to XXXX to give me the XXXX  status. XXXX would tell me I was not enrolled in the promotion and would need to contact XXXX. 

This has been going on for 2 months with no resolution except XXXX telling me I was not enrolled in the program during the promotional period. Therefore, I would not be upgraded to the XXXX  status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: CITIBANK, N.A.
State: GA

Complaint narrative:
603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual. 
( d ) Consumer Report ( 1 ) In general. The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681ml ; or a communication described in subsection ( o ) or ( x ).

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