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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I request that you take immediate action to investigate this matter and remove any other inaccuracies from 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 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: IL

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 — Credit inquiries on your report that you don't recognize
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, CAINE WEINER Reported : XX/XX/2023, XXXXXXXX XXXX XXXX Reported XX/XX/2023, XXXXXXXX XXXX XXXX  Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

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: Incorrect information on your report — Public record information inaccurate
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI

Complaint narrative:
Attacher is a copy of the complaint I sent to LakeviewXXXX XXXX my mortgage company. LakeView has been incorrectly/or not reporting my payment history with them for over 8 years now, and it is affecting me adversly. I have never missed a payment every since I have had a loan with them. Nor have I ever been in a bankruptcy with this lender. This lender carries a bankruptcy disclouser on my mortgage staments, and I have pleded with them to discontinue this behavior, but they continue to violate me in this manner. I have researched this company, and found out they have did the same thing to other mortgage holders, and have been fined. 

This behavior on part of LakeView has cause me to be denied credit for a Home equity loan. Yes, that is another whole seperate complaint coming over to you. My civil rights have been violated and I am not sure if they can understand the affects of having that happen to you. I would like to prosecute this complaint to the furthiest extent possible. please forward my complaint to other governing bodies whom regulates mortgage lenders.

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: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase mishandled my personal information. 

I've applied for a personal credit card ( XXXX XXXX ) and my Information was automatically filled in on some of my information, including address, as I have another account with them.

I also have fraud alert on my credit report which Chase would have to call me and verify this information, including the address. So, it's a surprise to find out that I didn't get my card, and I called in to find out why after it was sent almost 3 weeks ago, and I was told by someone with no common sense that " I put the wrong address on the application '' which is just not true, especially since their fraud department verified it, which makes the address clear and valid.

So, this person I've spoken to with no good judgement said the cards were returned due to invalid address. First, again address was validated... I'm not stupid, I know my address! and second, they have it on file. 

I believe Chase either had a scammer working with the department that sends out the cards and changed the address, Chase changed the address on its own for whatever reason or Chase had an employee that sends out the cards handled 2 accounts at once and mixed up the addresses and now it may be 2 customers affected by their mistake. 
But Chase is blaming me for their security mix ups on my personal information that someone could have got ahold of. 

Now after repeatedly reverifying myself to this person with lack of sense, I still can't get the card, nor access the account/account dashboard because I'm not verified with them and the phone, I called from is connected to their system. How silly is that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has caused irreparable damage to my credit score. They misapplied payments, misrepresented fees/interest, and continuously mishandled my account with them. Everything started early 2020 and continued thru the next few years.

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: 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, an unauthorized ACH payment for {$940.00} to Comenity Bank via automated phone system was made to my credit card account and cleared my checking account. I have never paid this account by phone and I did not make this payment. I have never set up any automatic or recurring payments. I have made all payments on time via the online portal, and the payment was not yet due ( due XX/XX/XXXX ). I contacted customer service. A dispute was initiated on the payment, but the payment was not refunded. While awaiting the dispute, a second unauthorized payment for {$1000.00} posted to my account on XX/XX/XXXX, again, made by phone from my checking account. I did not make or authorize this second payment. I contacted Comenity customer service again and was told that a request to refund the second payment and a dispute would be initiated. After receiving no follow up information, I called Comenity 's account protection number and was informed that a new card should be issued in case this was a fraud attempt. No refund of the unauthorized payments was made. Following this call, my account information was deleted/deactivated, so I now can not access my account information online. I believe that the account deletion happened to prevent me from obtaining documentation of these transaction through my account. These unauthorized payment have resulted in a negative bank account balance and may overdraft fees, with no resolution in sight. I am attaching one screen shot showing the second unauthorized payment scheduled on my now inaccessible Comenity account, and one screen shot of my conversation over the first charge with my bank.

Company response to consumer: Closed with 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp.
State: NY

Complaint narrative:
Worldremit and Remitly both blocked my account with them, stating there is an issue with me sending money to XXXX poor families in the XXXX. They would only give me their policy. I see nothing in their policy that I violated, and they refuse to tell me the real issue. I have sent this charity for more than 5 years. On more than one occasion the receivers stated that the XXXX government officials questioned them and there was no problem. I contacted the two companies and they would not reinstate my account, and would not give me opportunity to address the issue. Some of the recipients have a bank account and I send to their account, upon which they give some of the money to others. I converse with many of the recipients by text messages routinely and I'm convinced that they are all very poor and uneducated.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
I contacted the bank regarding fraudulent use of my debt card in XXXX. Their response was that they found no errors in a letter dated XX/XX/2023. I was not stating errors but Fraudulent charges. I have since sent emails in XXXX with more detail about the charges and are still awaiting a response.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I lodged a complaint on this site and the company responded inaccurately the situation that I made the complaint about. I received a loan modification document that I was unable to review, except or deny because the documents were damaged and not legible and so I requested a copy of the documents being resent to me so that I may review them, instead the company alleged that I denied the loan modification which I did not, I requested a copy of the documents and now the case has been closed due to the inaccurate information that the company is saying that they received from me. I asked if I would be eligible for a forbearance and was told no and so the representative of the company stated that they would look into a partial claim and so that was looked into and the resolution that the company came up with is a 40-year loan modification. I never once denied any resolution that the company offered, I only ask for information to resolve the situation in a fair and unbiased manner. The calls that were made between myself and the company are recorded and there is not one recording that I denied any loan modification or any resolution that the company offered and now the company is saying that based on the alleged denial I am forced to accept a new loan modification and have my case closed. I ask that if this situation can not be resolved at this level that my complaint be moved up to another level.

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: TX

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. 

The letters are stated with items and issues. 

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: 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: TN

Complaint narrative:
On XXXX XXXX XXXX  The company received a certified letter stating that did not do a reasonable investigation on a company that is on my credit report. After the letter was received I began getting alerts that the credit bureau opened yet another investigation. My letter CLEARLY STATES this is not a dispute letter, this is a law violation. I reached out to the credit bureaus and their customer service agents stated they dont read the letters. I asked to be transferred to supervisors/ligations and was told I would receive a call back. That was 5 days ago.

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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. In section 15USC 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX Account Number XXXX In 2021, it is reporting 30, 60, 30 days past due.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper acquired my home loan from XXXX Mortgage in XX/XX/XXXX, which included a homeowners insurance policy through XXXX by XXXX which was to be paid via escrow. 

In XXXX of XXXX, I began receiving notices from Mr. Cooper that our home insurance policy had lapsed and they would require new proof of homeowners insurance. After contacting XXXX, I learned that Mr. Cooper had made a partial payment on the homeowner 's insurance premium from escrow in XX/XX/XXXX and then made no further payments. After multiple attempts to contact Mr. Cooper to resolve the situation, XXXX allowed the insurance policy to expire for non-payment in XX/XX/XXXX. I was not notified by Mr. Cooper the policy had lapsed until receiving the aforementioned letters in XX/XX/XXXX. It is my opinion, and the opinion of XXXX, that the fault for non-payment lies squarely with Mr. Cooper. 

Because of this situation, I had to acquire a new and more expensive homeowners insurance policy through XXXX by XXXX. In addition, Mr. Cooper bought homeowners insurance on our behalf to cover the period during which the original insurance lapsed, which was much more expensive than the original policy. There are also the countless hours spent on the phone with Mr. Cooper, navigating their antiquated automated phone system, speaking with incompetent representatives, dealing with multiple transfers to different departments and dropped calls. 

To date, resolve this mistake on the part of Mr. Cooper has added hundreds of dollars to my monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NY

Complaint narrative:
They are trying to say I owe them money for a service I never used. The address and all my peronal information does not match.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I purchased XXXX through PayPal but was unable to transfer the XXXX to my personal wallet. Customer service stated that it was due to a security issue and that ability had been frozen. They were unable to specify why my ability to transfer funds was frozen or deemed a security risk, unable to override the freeze and unable to offer a definite time before transfers would be available. This all occurred today, XX/XX/23 around XXXX XXXX. The inability to transfer my funds is in effect freezing access to the. I was told I would need to wait anywhere from 24-72 hours by various representatives with no assurance that the issue would resolve in these time frames.

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: TX

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 Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX CARD Account Number XXXX ( FRAUD ), FST XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX XXXX FRAUD ), XXXX  Account Number XXXX ( FRAUD ), XXXX XXXX  Account Number XXXX ( fraud ) XXXX XXXX Account Number XXXX ( Inaccurate reporting has reported paid in full due to auction sell on report then re put on credit as a separate debt. Was not notified by certified mail of a debt after sale per Texas XXXX ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXXXXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXXXXXX BANK NA 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 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