vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I was negotiating with them about loan modification. Also, I was trying to dispute {$1300.00} they charged for insurance. I faxed the insurance policy a few times, but they told me they haven't received. In end of XXXX, they told me to provide the insurance policy. XXXX, I faxed the policy again and tried to tell them that I faxed the insurance policy again and kept asking to lower the interest rate. ( 5.375 % I have ) I also made sure not to foreclose my house. All the representatives I talked told me they won't foreclose. Then, they suddenly foreclosed my house. I asked them why? I was very late for the payment, but they were willing to do loan modification and I was negotiating. Then, they gave me another chance and told me to make two months payments by XXXX. They told me to XXXX the money from XXXX. I made sure if they accept the payment even last day. They said they will take if I go to XXXX on XX/XX/XXXX. I went to XXXX ( XXXX XXXX XXXX XXXX ) to XXXX  the money before XXXX but I was told that they only can do up to {$500.00}. I called Selene Finance and asked what to do. There was no supervisor and I was told to call back tomorrow morning. I kept asking if there's any other way to make payment. She said wiring takes 24-48hours. I was never told about wiring before. All I was told was to send by XXXX from XXXX. I was on the phone for XXXXminutes. The representative just told me to call back next morning. I called next morning and asked a way to make payment. But I was told they won't take payment anymore and they won't stop the foreclosure process unless I pay reinstatement. Yesterday, they emailed me a reinstatement quote for a wrong person. They sent me another quote next day and it says {$90000.00}. I could have stopped foreclosure last month if I was able to pay {$4400.00} by XXXX and I brought that money. I tried to dispute but the customer service blocked and rejected my email. Now my house is going to auction on XXXX. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: CA

Complaint narrative:
I have been a victim of identity theft and there are several accounts opened by the person who stole my identity. The following accounts a result of my identity being stolen. 
XXXX XXXX Opened XX/XX/XXXX {$9200.00} stolen XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} Stolen BANKRUPTCY CHAPTER XXXX Filed XX/XX/XXXX I have verified with all these companies that these accounts do not belong to me and they're going to send a letter to remove these accounts in " 4-6 week ''. It has been more than the time frame they've given to me yet these accounts are still reporting to me. The representatives at XXXX, XXXX, and TransUnion neglect deletion of these accounts even with valid documents requested by them. They even neglect deletion using the Fair Credit reporting act.

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 2022-06-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft and there are several accounts opened by the person who stole my identity. The following accounts a result of my identity being stolen. 
XXXX XXXX Opened XX/XX/XXXX {$9200.00} stolen XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} Stolen BANKRUPTCY CHAPTER XXXX Filed XX/XX/XXXX I have verified with all these companies that these accounts do not belong to me and they're going to send a letter to remove these accounts in " 4-6 week ''. It has been more than the time frame they've given to me yet these accounts are still reporting to me. The representatives at XXXX, Equifax, and XXXX neglect deletion of these accounts even with valid documents requested by them. They even neglect deletion using the Fair Credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX ACCOUNT # XXXX  has violated my rights XXXX U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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 2022-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: FL

Complaint narrative:
They are harassing me repeatedly. They said I have a warrant to go to jail. They are making up costs saying I owe them money that I do not owe. They call me and email me with constant threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX and also XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX 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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and also XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I called Equifax on XX/XX/22 to file a official dispute over the phone. I previously filed a dispute over the phone with Equifax on XX/XX/22 and had no issues and the dispute was resolved. When I spoke with XXXX on XX/XX/22 from Equifax she would not officially submit my dispute. I was informed that I must submit documentation on my identity. I feel this is biased towards me as Equifax already has my personal information on file and this is proved by the dispute filed on XX/XX/22. I feel Equifax is not following the Fair Credit Reporting Act by taking my official dispute over the phone on XX/XX/22. I did send in the requested information on XX/XX/22 and expect Equifax to remove the XXXX disputed items as stated in my letter to them dated XX/XX/22. I would like Equifax to be investigated on the practices of consistency in not being biased as to what information or items to investigate to delete from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Social Finance, Inc.
State: IL

Complaint narrative:
Recently we received PIN notifications in the mail from SoFi regarding a credit card account in my name and that of a person named XXXX XXXX. We immediately contacted SoFi on XX/XX/28 and informed their representative that we did not apply nor do we have any open any account with your company. They informed us that the account would be flagged as fraud, closed and the three Credit Bureaus would be notified. 
We then received two physical credit cards. One for myself and one for XXXX XXXX. After receiving these cards we contacted SoFi again on XXXX and received the same assurances. 
We then started to receive demand letters from SoFi advising we have missed payments. We informed our local police department ( XXXX XXXX Illinois Police Department ) and contacted the three credit Bureaus to freeze my credit. 
We then received the enclosed letter stating that our request was cancelled as we did not provide the information necessary. This is not true. We sent the affidavit when it was requested and it was XXXX XXXX. Their Fraud area should research the difference between a Notary and a XXXX XXXX. 
Our police department advised against sending any further information as they felt that the requests may be coming from the individuals who are committing the fraud. As recommended by the Officers, we reviewed my credit reports from the three bureaus and the promise made was not completed as promised. My credit score has now been negatively effected by SoFi opening this account without authorization as it now shows that it is in default. 
The three credit reporting agencies need to be notified that this account should be removed from my history and have my history returned to where it was prior to SoFi opening this account fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 604 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 non-monetary relief
Consumer complaint received 2022-06-09 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: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 604 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T Bank- they have caused my funds to be low. If there are no funds in the account dont ok payment I have tried to talk with them and nothing, during this time of covid still going on, and work being low. they are placing me in a financial bind

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: VA

Complaint narrative:
I received a notice in the mail from Capio Partners stating that I owe " XXXX XXXX XXXX XXXX '' the amount of {$1400.00} for services they claim I received on XX/XX/2020. This is completely false and I have never conducted any business with either of these companies. I have included a copy of the notice I received in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I disputed a closed XXXX XXXX account in XXXX of XXXX. Since that dispute, the account status has now changed to open and the monthly payments amount reported is {$6100.00}. Since filing a dispute with Trans Union, XXXX, and XXXX my score has dropped from XXXX to XXXX. The biggest factor being my debt to income ratio which now is over XXXX percent of my income. This is so let attributed to the supposed {$6100.00} dollar monthly payment being reported by XXXX XXXX. If you review my XX/XX/2022 credit report you can clearly see this account was closed for well over a year. Then after the dispute it e as reported as open and the remarks and monthly payments changed. Almost every negative account on my file has incorrect dates and billing information. XXXX was submitted the same disputes as TransUnion and XXXX and failed to investigate any of them disputes to this date. Well over the 30 day time frame. I have a certified receipt showing the day it was received. I have tried multiple times in the the last year and a half to resolve my disputes and have my credit files corrected and updated to no avail.

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 2022-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 non-monetary relief
Consumer complaint received 2022-06-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX These accounts has violated my rights! Account # XXXX, Account # XXXX, Account # XXXX, and Account # XXXX!! 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy. 

15 U.S.C 1681Section 604 A. states that a consumer reporting agency can not furnish a account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Applied for capital one card through my work which was Walmart. Used the card one time for XXXX gifts. Later that month I tried to pay it and they said I didn't have an account with them and said I didn't owe anything. I called for the next two months, and they kept giving me the same answers. I never received a card. So, after a couple months go bye with still no help, I get a paper in the mail saying I owe a bunch of money and I have multiple missed payments. So, I call them about the statement I finally received, and they said there is nothing they can do to help with all the late fee charges even though I have called each month to try and pay them. They said for them to be able to help I have to give them my, Social Security card, bank info, birth certificate, and address. I said I didn't feel comfortable sending all that and asked for another way to resolve this because I just want my credit fixed and to pay the money I owe with no late fees. They give me different answers every time I call and say they can't do anything without all that info. So, until I send all of that information I DONT feel comfortable sending they will not let me pay my bill. I just want to pay what I owe, and they are not letting me and racking up late fees that are not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: MO

Complaint narrative:
I HAVE SUBMITTED A DISPUTE 3 TIMES ALREADY WITH ALL THREE CREDIT BUREAUS AND ONLY ONE BUREAU REMOVED THIS BANKRUPTCY FROM MY CREDIT FILE. I ASKED FOR PROOF OF HOW THEY VERIFIED THIS INFORMATION AND STILL NOTHING. THESE CREDIT BUREAUS ARE NOT PROPERLY DOING THEIR JOB. I HAVE SENT ALL SUPPORTING DOCS TO THESE BUREAUS.

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 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc.
State: FL

Complaint narrative:
- Signed up for a SoFi Credit Card on XX/XX/2022 through XXXX XXXX where I was offered {$200.00} if I spent {$1500.00} within 3 months. I was instantly approved for the card when signing up. 
- I completed the {$1500.00} spend requirement on XX/XX/2022. 
- I chatted with SoFi support on XX/XX/2022 asking when I would be getting the bonus since I completed the terms. 
- The support agent said they would put in a ticket with the backend rewards team to see if they can check into it and I would be getting an email from them with an update. 
- I then chatted again with a SoFi support agent on XX/XX/2022 asking for an update on the ticket since I never received any email communication. 
- I was told by the support agent that I did not signup though XXXX XXXX and that I signed up through the SoFi website. I told them I 100 % did signup through XXXX XXXX and have screenshots. I then provided them the screenshots and the SoFi support agent said they would attach them to a new ticket and I would be receiving an email with an update. 
- Today ( XX/XX/2022 ) I called SoFi support and once again asked for an update on the ticket since I did not receive an email. The support agent told me the rewards team denied my request again because it shows on their end that I did not apply for XXXX XXXX. 
- I explained to the agent once again to look at the screenshots which clearly shows I signed up through a partner link ( XXXX XXXX ). 
- The agent offered for me so speak with their superior and I said yes. The " Account Manager '' then came to the phone and reconfirmed everything in the notes and told me there is not much she can do as a manager. 
- She offered to speak directly with the rewards team to get it appealed and that she would call me back between XXXX EST today ( XX/XX/2022 ). 
- The account manager XXXX called me back at XXXX and told me there's nothing they can do. She said that I got a higher tier bonus of 3 % which quite literally did not exist at the time I applied for the card. So that was clearly made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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