vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XX/XX/XXXX  I mailed a certified money order in the amount of {$1000.00} & also had a {$20.00} bill included to XXXX XXXX XXXX. It was received and cashed and entered into their system as {$120.00}!!!! This resulted in showing my account as a late payment and reported to my credit bureaus. This dropped my credit score by XXXX points. All this made another credit card drop my limit by thousands to a small amount over my current balance. This will be also reflecting negatively on my credit once it updates. This company has destroyed my credit and then reported to the bureaus that it was correct after I filed disputes on each one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX  I mailed a certified money order in the amount of {$1000.00} & also had a {$20.00} bill included to XXXX XXXX XXXX. It was received and cashed and entered into their system as {$120.00}!!!! This resulted in showing my account as a late payment and reported to my credit bureaus. This dropped my credit score by XXXX points. All this made another credit card drop my limit by thousands to a small amount over my current balance. This will be also reflecting negatively on my credit once it updates. This company has destroyed my credit and then reported to the bureaus that it was correct after I filed disputes on each one.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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 U.S.C. 1681. 
Account Name XXXX XXXXXXXX collection. Account Number # XXXX... 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 instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting 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: NJ

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 U.S.C. 1681. 
Account Name XXXX XXXXXXXX collection. Account Number # XXXXXXXX 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 instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting 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: CT

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I filed a complaint in XXXX. They sent me an analysis in XXXX saying that they will refund around {$800.00} for my mortgage insurance they charged me. They refunded the amount but then took it back. My analysis also showed my mortgage payment of {$1200.00} for XXXX, {$1400.00} for XXXX, then when I recently paid for my mortgage for XXXX my payment went up to {$1800.00}. I asked for an explanation and they said they sent me an analysis but I never received it. I sent another message requesting to be sent to me via email so I can look at it asap and have not received a response. I also never received a response to why my refund for my insurance was reversed. It takes them a very long time to respond and keep changing the analysis every single month. I never had this issue with my payments fluctuating and why they keep messing up my escrow. After my first complaint with tue CFBP they said they were going to refund me, which they did, then when the complaint closed, they took the money back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NATIONWIDE ACCEPTANCE LLC
State: MI

Complaint narrative:
I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.

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 2023-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

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 explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In XX/XX/, I asked for an impound analysis of my escrow account, because I knew it had been overfunded. On XX/XX/XXXX, I called the company and confirmed that they would be issuing me a refund of {$15000.00}. They subsequently informed me that they had issued the check on XXXX XXXX XXXX 

I never received that check. 

I followed up several times and received no plausible explanation of where my refund check was. 

On XX/XX/XXXX, I called again and spoke at length with a customer service rep and a supervisor. I was told the original check could be voided and a new one issued. I consented. However, by now it was clear that the company is in violation of Rule X of the CFPB. 

On XX/XX/XXXX, I received new electronic correspondence from the company indicating that they had erred in their escrow analysis and I was only entitled to a refund of approximately {$9600.00}. 

On XX/XX/XXXX, I called them again and told them they had to issue my refund and overnight it to me or I would be filing a complaint with the CFPB. 

Here we are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting 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: NJ

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 U.S.C. 1681. 
Account Name XXXX XXXXXXXX collection. Account Number # XXXXXXXX  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 instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
I was scammed out of {$900.00} dollars to a man and his XXXX wife. {$400.00} of those dollars I withdrew from checking account and gave to the family in cash. They gave me items to hold on to until they paid me back. The items were jewelry they claimed to be real and very valuable and when they paid me back they would ask for the items back. The items turned out to be fake and instantly after receiving my money they disconnected their phone lines and left me with nothing. Im struggling for money and neither my bank or my credit institution will help me retrieve these lost funds. Ive contacted the FTC, Attorney General, Local Police and both banks I used. I really need this money back.

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 2023-09-19 00:00:00
Product: Credit reporting 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:
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Charge Off

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 2023-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Resurgent Capital Services has been sending mail to my home and calling/texting my cell phone for a debt that is not mine and the person who owns the debt does not live with me. 

I have for 3 years been trying to remove my address and phone number from their system. 

In addition to continuing to contact me, they have sent me links, discussing the financials of the person who does owe the debt. I am a third party that should not have any access to the information of the person they are looking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.

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 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NC

Complaint narrative:
I opened a account with US bank and funded it by making a external transfer of {$10000.00}. Amount was deducted from my external bank on XX/XX/2023 but it never showed on my US bank account. After few days when I enquired, US bank simply refused to acknowledge any problem and told they never recieved the funds. When I asked my external bank, they provided me with ACH tracking number , trail confirmation that funds were released and transferred from their end. 

Then I had to log a complaint with US bank and dispute to solve this and then finally on XX/XX/2023, i.e. 13 days after the transfer credited my account. But they never told me any reason why this delay happened. I was under so much stress due to missing funds of such a amount and also missed various opportunity to invest, use funds for my business etc.

On top of that, very poor customer service from US bank. They never responded to my queries, I visited branch 2 times and logged my complaint but no response. Called their call center number multiple times but again no response. All they said, we are not getting any answers why it took so long for funds to appear in your account.

This is totally unacceptable. ACH transactions have 3-5 business days timeline to process and any delay beyond that is voilation of banking regulation and bank should be held accountable for that and compensate me for this issue.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
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 U.S.C 1681. 
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, Transunion, and XXXX  to reinvestigate these account.

15 U.S.C 1681 section 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then 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 of 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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 U.S.C 1681. 
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  I told the XXXX, XXXX, and Exquifax to reinvestigate these account.

15 U.S.C 1681 section 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then 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 of has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
BofA closed my account on XX/XX/ I wasnt able to get my funds out of the account. I have claims that shouldve been paid due to fraud in my account. The claims are still in review, that has nothing to do with the funds in the account presently. This bank has caused me to be in default with my bills. I need my money immediately.

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 2023-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Information belongs to someone else
Company: NETWORK FUNDING, L.P.
State: TX

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation