vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX, XXXX Account # 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 1604 A. Section 2 : It also states 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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Update my personal info and delete the accounts violating the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: CT

Complaint narrative:
I have sent multiple disputes and complaints with all 3 credit bureaus and have gotten none of the issues resolved. My report has multiple accounts that are blatantly incorrect and I would like them fixed 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 non-monetary relief
Consumer complaint received 2022-11-01 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have sent multiple disputes and complaints with all 3 credit bureaus and have gotten none of the issues resolved. My report has multiple accounts that are blatantly incorrect and I would like them fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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:
Credit Reporting agencies are reporting inaccurate incorrect information in my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
My complaint : {$130000.00} was stolen from my account with Gemini Trust Company , LLC. The money was stolen through a series of transactions starting on XX/XX/2022. I logged into my account on XX/XX/2022 and saw that my account was locked. I contacted Gemini Trust immediately. There is no way to call Gemini, so I emailed them. They told me to send proof of my identity, which I did immediately. They have not contacted me again. My account balance shows {$3400.00} as of today and my account is still locked. 

Details of the events : The first unauthorized access of my account was on XX/XX/2022 from an IP address in the XXXX. I was not aware of this access and was not notified by Gemini. On XX/XX/2022, my Gemini account was again accessed by an unauthorized user, this time from an IP address located in XXXX XXXX. The thief was able to access my account despite the fact that I had, and continue to have, two factor authentication required to login to my account. 
The thief converted {$130000.00} of XXXX ( Gemini USD coin ) into dollars and began to execute a series of unauthorized trades. The thief also sent XXXX ethereum coins ( worth approximately {$1600.00} ) into my account on XX/XX/XXXX for unknown reasons. Somehow, the thiefs trades changed my account balance down from {$130000.00} to {$3400.00}. I did not know, and was not notified by Gemini, that any of this was occurring. I did not know that there was any unusual activity occurring in my Gemini account until I logged in on XX/XX/2022. 
I logged into my Gemini account on XX/XX/2022 and saw that it was locked. I immediately opened a support ticket and was told to send in a selfie with me holding up a piece of paper with the date and a secret code [ XXXX ] provided to me by customer support. I did so immediately. I never received any response again from Gemini. I have been contacting them repeatedly since XX/XX/XXXX and have not received any further responses after the first email asking me to verify my identity. 
On XX/XX/2022 I changed the password to my Gemini account. I continued using two factor authentication. I also completely wiped my computer in case there was any malware on my computer. On XX/XX/2022 the thief was able to login to my account again, this time using an IP address from XXXX, XXXX XXXX. Clearly, despite my doing everything on my part to keep my account secure including changing my password, using two factor authentication, and even completely wiping and reinstalling my entire computer system, Gemini is still not keeping my account secure from malicious logins.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Dear Nationstar Mortgage, LLC This letter/CFPB complaint is being sent to you under the FDCPA15 U.S. Code 1692g. Although Nationstar has attempted to provide debt validation on previous complaints filed with the CFPB, Nationstar Mortgage has not provided valid debt verification.

Under the FDCPA, I have the right to know who the original creditor is and I am requesting that Nationstar Mortgage provide me with a copy of the last billing statement from the original creditor and the date on which the last payment was made to the original creditor. I am also requesting that Nationstar Mortgager provide me with the date Nationstar Mortgage purchased the mortgage from the original creditor. If Nationstar Mortgage did not purchase the mortgage from the original creditor, please provide the name of the creditor who Nationstar Mortgage purchased the mortgage from and on what date the purchase occurred. 

I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: MI

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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: MI

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. 

Account name : XXXX XXXXXXXX XXXX XXXX  XXXX 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 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 2022-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
I recently had a claim with Homepoint financial ( " HP '' ) related to my escrow account. HP incorrectly set up my escrow account by using incorrect tax information, they claimed the information was not readily available when I was in the process of refinancing my home. I provided HP with the initial estimate produced by point equity that correctly calculated my impound account. As a result of this error, my initial impound account was underfunded on day 1, this should not have happened and I was surprised it was not caught during closing or notified of the issue on day 1.

I have a clear paper trail between point equity ( lending broker ) and HP showing the change between my initial refinance estimate with the correct impound account information, and the closing document that was using the incorrect information. I requested HP to remove my escrow account, and I was told that I would need to pay the outstanding balance of {$3700.00} before I could take over my impound account.

Instead of admitting there was an error at the close of my refinance, HP reduced my mortgage payment without discussion or reason, and also mailed me with an escrow release waiver. When my case was closed, I was provided the reason as to why my mortgage payment has changed, which was HP spreading the shortage over 5 years. As a result of this process I notified HP that I am disputing the XX/XX/2022 payment until a reasonable resolution is reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Update my personal info and delete the account violating the FCRA

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 2022-11-01 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: NY

Complaint narrative:
Ive been a victim of identity theft and the credit bureaus keep reporting inaccurate information and its affecting my life tremendously. Ive reached out multiple time to Experian and they arent fixing my situation its never ending its stressing me out completely. Ive also explained how Covid 19 has played a part in this situation and they havent updated. The accounts that need to be removed are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Dear Sir/Madam, My bank institution, online bank Current, keeps my funds as pending ( hotel pending charges, several of them ) for almost a month, however their own policy provision XXXX 15 business days in such circumstances. 

I contacted them regarding these isssues many times in the last 7 days and before as well. I also have a transcript of the latest conversation with a customer rep and was told by customer rep that my 3 pending charges over the timeframe obviously. Then customer rep contacted main office about release of these charges and they refused to release. 

I have been having this issues with this bank consistently over the last several months. Meaning I have to contact them in order to get my pending funds released. 

I also have recurrent payments to my insurance company which already have accumulated late fees etc because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On Experian it states the I owe {$310.00} to collection that was past due to XXXX XXXX XXXX XXXX, account number XXXX. The date opened was XX/XX/XXXX, however I was locked up from XX/XX/XXXX until now so the is a result of identity theft and I wanted it disputed but Experian stated that the debt to collection remains

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Update my personal information and delete the accounts that are violating the FCRA

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 2022-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
I received notification of a debt that I did not recognize, from a company I did not recognize, with an amount that I did not recognize, on XX/XX/2022. I responded to the letter within 30 days on XX/XX/2022 through certified XXXX mail, disputing the amount of the debt and have not received any information about this collection statement. The collection company, XXXX XXXX XXXX, not only reported the debt on my Credit report on XX/XX/2022 without responding to my dispute, they also reported false information on my XXXX and XXXX credit report, and did not list the alleged account as disputed. 

On XX/XX/2022, XXXX XXXX XXXX, reported incorrectly to XXXX and XXXX that I " opened '' an account with their organization on XX/XX/2022, when I didn't even learn about this information until XX/XX/2022. As I mentioned, this information was disputed through certified mail, copies are available, and there is also no mention of the account being disputed on my credit report. I have also disputed the amount of the alleged debt and they are therefore, violating credit reporting laws stating incorrect information on my public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: Sezzle Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX I used Sezzle to purchase merchandise through a retailer. Sezzle reported this account to my credit and continues to report a balance of {$50.00}. This loan was paid in full in XXXX. I have submitted disputes to the credit bureaus and after a dispute it still shows a {$50.00} balance. The account was paid in full in XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX Account number XXXX Is being report In accurate on my credit report I have tried multiple of times to get it delete it with the credit bureau XXXX XXXX and XXXX have taken it off I sent them the documents to confirm that but his Experian refuse to delete the account after 3 times

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 2022-11-01 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:
Greetings, they are furnishing data and information to public without my permission, as a consumer they do not have the right to report any lates and or information without my permission and or 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 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Immediate Credit Recovery
State: NY

Complaint narrative:
XXXX XXXX  balanced due, willing to pay debt ; however getting to many phones calls and letters in the mail, i wish for it to stop. calls come in about 7 times a day. thank you for the understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I purchased a product from a vendor. The vendor sent a damaged product. The product was returned to the vendor. The vendor refused to honor their return policy and refused to issue refund because of a " system '' issue. The vendor specifically said to contact my bank and deal with it through them. 

I contacted USAA and filed a claim for the transaction, offering them documentation. USAA refused wanting any documentation. The issued a temp credit to my account. 

USAA then reversed the temp credit, claiming I had not provided any documentation. They did not notify me of their request for documentation, after refusing to accept it when I first submitted the claim. When I learned that they had posted the request to my online account, I immediately provided all requested documentation, uploading the images and screenshot to their online portal as instructed. 

They did not reissue the credit. I have called more than a dozen times to get it fixed. USAA continues to say they will call me back, but they never do. 

Today, I took time off from work to call USAA to address this. I was on hold for XXXX hour and XXXX minutes before someone picked up. I spoke to XXXX at USAA resolution team. She said that too much time had past and the USAA Dispute Department was refusing to address it any further. Didn't matter that I had tried, over and over and over, to get USAA to take my calls and get it fixed, that I had been told over and over I would hear back from USAA about it and never did. They are refusing to proceed further and refusing to escalate to a supervisor or manager. 

USAA is in violation of their banking customer policy. I was in touch, or attempting to be in touch, on a regular basis since the first contact. It was USAA who dropped the ball and are now refusing to pick it back up. I have been a lifelong customer of USAA. In the last two months, it has been LITERALLY IMPOSSIBLE to get through to anyone on their phone system. I had to take time off from work to make the call today in order to be able to stay on hold for so long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01 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: OH

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 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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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