vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GERSHMAN INVESTMENT CORPORATION
State: MO

Complaint narrative:
I submitted a refinance application with Gesthman Mortgage XX/XX/22 and was never issued a loan estimate as of today 's date even though it was outlined that my application is still processing, and not denied. 

My credit was pulled with no intention for an application to be processed, and the lending officer intentionally waited until after market deterioration XX/XX/22 to process my loan. 

XXXX, MO XXXX XXXX : XXXX M : XXXX F : XXXX XXXX XXXX  # XXXX Licenced In : MO

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. I do not understand why they are abusing consumers .This 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 Transunion more than 21 times. transunion 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 n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Once I left my ex-husband him and his girlfriend and cousin open several banks XXXX over drafted in my name. I can't even open. An account. Because they stole my identity. He even received unemployment in my name. I did get some of my mail. That he had going XXXX his auntie house. It's so many accounts it's crazy. There is no telling what all is in my name or my social.

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 2022-06-16 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 the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account Number : 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy and privacy of information in the files of the nations credit reporting companies.

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 2022-06-16 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: CA

Complaint narrative:
According to the FCRA, 15 U.S.C. 1681 a 4 my right to privacy I do not want any negative items or collections on my credit report. This is my right.

15 U.S.C. 1681 a 2 states that I did not give any collector written instruction to allow them to report negative items to my credit report.

15 U.S.C. 1692 c ( a ) unlawful communication between collectors and credit bureaus. 

Therefore according to the law, delete all collection accounts that are on my credit report. 
Delete all late credit card payments Delete all hard inquiries. 

If you do not abide by the law you will be sued.

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 2022-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
- I requested a refund for a {$250.00} Western Union money order I purchased, but later did not use. I received a refund minus a {$15.00} fee from Western Union in the form of a check for {$230.00}. The date on the check was XX/XX/2022, but I received the mail on XX/XX/2022. 
- On XX/XX/2022 I attempted to do a mobile deposit of the check through my own mobile banking feature by taking a photo of the front and back of the check, but the numbers on the check was printed poorly and in some spots barely visible so it wouldn't work. 
- I then went to XXXX and they told me they couldn't cash the check. I was given a receipt that said, " We're sorry, but we are unable to proceed with your transaction. Our decision was based in whole or in part on information obtained from XXXX XXXX XXXX XXXX XXXX XXXX XXXX authentication and risk management services to merchants and businesses nationwide. XXXX did not make the decision to take adverse action and is unable to tell you the specific reasons why the adverse action was taken by us ... .In addition, if you find that any information in XXXX XXXX file is inaccurate or incomplete you have the right to dispute it with XXXX XXXX .. '' - I called XXXX 's XXXX free number listed on the receipt and it was an all automated system and no customer service agents to answer questions. The system instructed me to key in the reference number of the declined check receipt and the automated system said there is no info they can provide, but try cashing it at the bank listed on the check ( XXXX XXXX ). So, I left XXXX and went to XXXX XXXX Bank. 
- A XXXX XXXX bank clerk told me they could not cash the check and their system says they can only deposit it into a XXXX XXXX Account, but I do not have a XXXX XXXX Account and did not want to be forced to open one. They also said if I set up an account, there was no guarantee that the money from the check would be available immediately. The clerk suggested I try XXXX and she didn't understand why XXXX couldn't cash it. 
- I left XXXX XXXX and went to a XXXX. They couldn't cash it and gave me the same type of receipt regarding XXXX as XXXX did. 
- I left XXXX and went to XXXX Bank. They said they could cash it through their XXXX party, but there would be a fee of {$9.00} taken from, the check. 
- In the end I was able to cash the check and received {$220.00}. I should not be forced to have to set up a bank account with XXXX XXXX to have access to my own refund. I should not have to drive to 4 different locations trying to cash a Western Union refund check and wasting gas during a time when inflation is so high. I should not have to endure even more fees when XXXX XXXX should have been able to cash the check for free. 
Please Note : The toll free number Western Union listed is all automated as well, so there was nobody that I could speak to about this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: AZ

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days.

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 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The 3 major credit bureaus are reporting unvalidated information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The 3 major credit bureaus are reporting unvalidated 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 explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
My sister passed in XXXX and when i went through her documents, she showed that she took out a home equity line of credit mortgage. When I called Specialized Loan Servicing LLC to get more information, they would not speak with me. I went to court and became administrator of the estate. I was told that the mortgage is tied to our property and it would have to be paid. I started making payments but I am on a fixed income as a senior. I asked for assistance in getting a modification and I was granted a trial payment plan for {$640.00} starting on XX/XX/XXXX to XX/XX/XXXX. I was told to continue making payments until I received the final mod. I continued to pay that trial payment amount and never received the final. I met with a Housing Counseling Agency and the Specialist called SLS and spoke to a rep and was told that this home equity line of credit is an adjustable rate mortgage loan and that the last payment they received was on XX/XX/XXXX for {$640.00}. However, the payment changed in XXXX, XXXX to {$700.00} and in XXXX, XXXX to {$710.00} and in XXXX, XXXX to {$700.00} and in XXXX, XXXX to {$690.00}. I was never aware of that until I got a notice that I am behind in the mortgage. Additionally, the monthly payment that I was making was disengaged in XXXX, XXXX. THEN I WAS TOLD THAT SLS DOES NOT MODIFY LINE OF CREDIT LOANS. I have attached a copy of the letter that approved me for the trial.

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 2022-06-16 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:
There are three inquiries on my credit report that arent mine and need to be removed. 

XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  Theyre unauthorized and will need to be removed as soon as possible. 

Contacted creditor for letter of deletion and uploaded documents with FTC 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 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I already summit a complain because i paid off my credit card with Bank of America, some one contacted me and told me that i have to paid now the interest rate for XXXX moth i did when on the app show to me other amount and i paid on XXXX, i want a certification from Bank of America that said that i paid off my credit card and no more extra charges, also i want to report that to XXXX and XXXX Credit Card Number 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 monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Hello, I banked with Current. The account is still open and I have attempted to work with them for months now. I disputed a charge that occurred on XX/XX/XXXX for an amount of XXXX. The charge is under XXXX however no other merchant information is available nor can I locate anything about this mysterious charge. So I submitted the dispute to current with my XXXX pay history as the card used was the virtual card they offer which only works with XXXX pay and there was no charge on or around XX/XX/XXXX in the amount of XXXX in my XXXX pay history. On XX/XX/XXXX the only XXXX places I went were XXXX and the tattoo parlor XXXX XXXX. At XXXX I used my innovations debit card to pay for food and at XXXX XXXX, I provided cash for the tattoo and provided a tip of XXXX with the Current debit card. After I submitted the dispute with the evidence they denied the claim saying the phone number matched and that it was a fuel dispenser. I asked for a full report which I have yet to receive it and I also asked them to please advise which fuel dispenser was used so I can go and request surveillance footage which I have still not got a response from Current on which fuel dispenser it was or the business name attached to the fuel dispenser. I submitted a XXXX  dispute which has the same screenshots both from my phone directly and using the my phone app on the pc. This has been an ongoing issue now for 2 months and based on the XXXX  sight a lot of complaints are the same. I feel there has been no real work has been done and they are just denying claims to deny them even though they do not provide any evidence that the charge is legit. I have provided substantial evidence and am dumbfounded that they are prolonging this to the point where legal action could be taken against them for these shennanigans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION
State: IA

Complaint narrative:
I have a credit card with penfed credit union based out of XXXX, XXXX. There were series a fraudulent transactions happened on my card on XX/XX/2022 in a span of few minutes gap. I immediately reported the issue and they issued credit for only one transaction and they denied the other two transactions. I have been following with them every day and asking them to investigate the issue as I have not used the card for the two transactions they charged. They refused to give any explanation on the charges and they reported the issue to credit bureaus. I request your kind attention to intervene and remediate the issue. Again, I have not used this card for any transactions. They want me to reopen the transactions as fraud and when I call them they are not responding to the calls. Its impacting my credit score. 

XXXX {$29.00} XXXX TX ; XXXX {$4500.00} ZTLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; These are the transactions that happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-16 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: CA

Complaint narrative:
According to the FCRA, 15 U.S.C. 1681 a 4 my right to privacy I do not want any negative items or collections on my credit report. This is my right.

15 U.S.C. 1681 a 2 states that I did not give any collector written instruction to allow them to report negative items to my credit report.

15 U.S.C. 1692 c ( a ) unlawful communication between collectors and credit bureaus.

Therefore according to the law, delete all collection accounts that are on my credit report.

Delete all late credit card payments Delete all hard inquiries.

If you do not abide by the law you will be sued.

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 2022-06-16 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: CA

Complaint narrative:
According to the FCRA, 15 U.S.C. 1681 a 4 my right to privacy I do not want any negative items or collections on my credit report. This is my right.

15 U.S.C. 1681 a 2 states that I did not give any collector written instruction to allow them to report negative items to my credit report.

15 U.S.C. 1692 c ( a ) unlawful communication between collectors and credit bureaus.

Therefore according to the law, delete all collection accounts that are on my credit report.

Delete all late credit card payments Delete all hard inquiries.

If you do not abide by the law you will be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: GA

Complaint narrative:
Transunion is reporting three late payments furnished by a creditor. In order to report this on my credit file, Transunion never properly investigated this information. Did they interview witnesses? I did not consent with either agency to share my personal information and they are breaking the law. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I collect my salary under the XXXX platform, 3 months ago I made a transfer to Coinbase to buy Crypto, make transactions and then withdraw my money to another account. 
On XX/XX/2022 the company informs me that my account has remained restricted and does not let me operate, it does not give me any warning or excuse as to why they made this decision. 
When I contact Coinbase support, they don't give me an answer, they just tell me that they don't support the country I'm in ( XXXX ), but until last month, I could operate normally. 
So, they have withheld my money, saying that I can only convert it within the platform, but not take it out. 

Attached 3 images : 1- My account disabled 2- The test that in XXXX, I was able to transfer normally 3- Coinbase support saying that in my country only conversion is available

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchased my vehicle in XX/XX/XXXX, my repossession happened in XX/XX/XXXX. So after several attempts to get the account removed from my credit profile after learning of the class action settlement. As you can see in the attachments, Santander just settled the case in XXXX. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from credit report. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this.

Company response to consumer: Closed with explanation