vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HFS Financial LLC
State: CA

Complaint narrative:
Applied in XXXX, conditionally approved then advised to call 3 credit bureaus because there a freeze on husbands credit, spent multiple hours on phone with credit bureaus - all stating no freeze. Loan declined. Told to resubmit everything to try again. They already had everything but said they could not use it. Requested declination letter, was told it would have to come from lender that declined loan but they would not provide name of lender and I still havent received it. Resubmitted for 2nd try- was told approved and to watch email for loan docs- lots of incompetence but bottom line was they did not approve loan because I refused to take my house out of trust ( this loan was unsecured ) I advised on XX/XX/27 that I did not wish to move forward with loan- got confirmation this morning that loan was denied it wasnt, it was withdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: VA

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 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 XXXXXXXX 15 USC 1681 section 602 ( a ) ( XXXX ) - I have rights to privacy. 

15 USC 1681 Section 604  ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer.

15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: OH

Complaint narrative:
On XX/XX/2022 I XXXX XXXX received a response from all three credit bureaus XXXX, XXXX and Experian saying my information was verified. Under law it cant be verified if I never have permission to report. 

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681B 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681B 4

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 2022-09-28 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 — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
I closed my Discover Card a few months ago and it had a plus balance of over {$300.00}. They transferred it to my checking account, but that was reversed for some reason. It was sent back to Discover. I have called them twice and they said they'd send it again, but nothing happens. I did get the cash back into my checking account and another refund, but they intend to keep the plus balance ( from a refund ) for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-28 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: GA

Complaint narrative:
I have been sending letters to Transunion since XX/XX/2022, with my driver 's license along with my utility bill verifying that its me sending them my letters. you will see with the attachments that i have sent. They are not investigating or verifying anything, and it has been going on past 60 days now. Here is a letter they sent me dated XX/XX/2022 stalling yet again and still reporting inaccuracies on my credit report. I have asked over 4 times already for them to show me how those inquires and charge off collections are verified, and validated, and they have been refusing to investigate and show me proof of anything. here are the letters i have been sending them.

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 2022-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: IA

Complaint narrative:
Representative specifically suggested a co-signer for my loan application be my HUSBAND. I am not married. I have an EX husband and applied for credit SOLELY. My rights were violated in that it was suggested he be my co-signer. I was not approved for the loan because he wouldn't co-sign it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/2022 - Transunion - reported to creditor XXXX Bank that my XXXX XXXX was XXXX in XX/XX/2022. I received notice from XXXX Bank that as a result of the low score they are closing my account. I called XXXX for an explanation. I was told by the creditor that I must obtain a copy of my credit history from Transunion- for the month of XX/XX/2022. I contacted reporting agency - Transunion and asked why they misinformed creditor of a XXXX score in XX/XX/2022. ( My score was never XXXX in the entire year 2022 ) I requested a copy of my scores from XX/XX/2022. Transunion stated they do not have any records of my credit score from XX/XX/2022. I was upset and informed them - as a result of the poor credit score they reported to XXXX my account was closed. They told me there was nothing they can do. They stated all scores are erased after the day has passed. And they can only provide me with credit scores for today 's date. So now my credit account with XXXX has been closed and my credit score dropped almost 10 points since the account closed.

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 2022-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hi, I received a credit alert about a Major Derogatory Account and the company is HUNTER WARFIELD. I see they are a debt collector. I haven't heard of this company, received any contact from them and I have no idea how this got on my credit report. I pay all my bills and on time. I'm not sure how they can do this legally but this on my credit report and has affected it negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My mortgage with XXXX was transferred to RightPath in XX/XX/2022. 

As instructed by XXXX, I made my XX/XX/2022 and XX/XX/2022 payments to XXXX  on time and in full. I began paying RightPath XX/XX/2022 until the present - again paying on time and in full on the XXXX of every month. 

RightPath claims I owe them for 1 month 's payment- but I do not. I've contacted RightPath several times since the transfer. I've provided proof of payment for XXXX XXXX XXXX from my bank. I emailed proof on XX/XX/2022, XX/XX/2022 and XX/XX/2022 but to no avail. I've asked RightPath to reconcile my account and apply payments correctly and I've been getting the run around. 

I've attempted to contact XXXX to solicit help but they were acquired by RightPath and their site no longer allows me to contact them about my loan. 

My mortgage payments have not been applied correctly and I need your help to get RightPath to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: OH

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-28 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXXXX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : -DP OF EDUC XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 2022-09-28 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXXBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMP XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICE XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Back on XX/XX/XXXX, I contacted Bank of America after I found that my account had been emptied. They opened a fraud claim in the amount of {$6300.00} as that is the amount they determined was unauthorized and it was denied on 3 different occasions when I tried to resubmit. When the claim was denied for a 3rd time, I contacted the claims office and got a supervisor on the phone who told me I needed to file each transaction individually. I was able to get 3 claims submitted out of over 60+ transactions that took place from XXXX. I was told to wait on the outcome of those claims before trying to submit any additional claims. 

Those 3 claims had all temporary credits made permanent as of XX/XX/XXXX. I contacted BOA on XX/XX/XXXX and explained the situation to a manager named XXXX. She sat on the phone with me for over 90 minutes and went through all of the transactions to get filed. She submitted the claim and we got off the phone, but her last comment was that the temporary credit should be applied quickly, and there should be no issue getting it after all this trouble. The total amount of the claim was {$7100.00}. 
We received temporary credit of {$300.00} that night and {$3900.00} the next day by noon. When I called to inquire about the rest of the money as those were not the amounts I was told. I was informed on Wednesday XX/XX/XXXX that the temporary credits on the other two claims were a " courtesy '' and there was no guarantee that they would be handled the same as these were submitted individually. One claim for {$300.00}, one for {$3900.00} and one for {$1800.00}. The problem was that there was {$1100.00} still missing that hadn't even been filed. 
After many calls in, I was told that the {$1100.00} in claims would need to be filed on one of the original claims that was filed incorrectly by BOA and that the research department would have to make the determination if it can be reopened. This to me was unacceptable. On 4 different occasions up to this point, BOA has messed up the filing each time. Had this been done correctly in the first place, we most likely would not be having any conversations. But the claim was escalated for review and temporary credit on XX/XX/XXXX and I was to have a response with in 2 business days, and as of right now at XXXX XXXX on XX/XX/XXXX, I have received the temporary credit for the {$1800.00} claim, but no response at all on the {$1100.00} claim.

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 2022-09-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Reverse Mortgage Solutions/PHH has not been a good experience. The company has been difficult to work with from the beginning. There has been no one assigned to us as a case manager. Documents do not reach us in time, yet we are to expedite them in short time. 

When we entered this agreement we were to satisfy XXXX points : Our home is our major residence We are still alive ( XXXX and XXXX ) The property has not been sold. 

Back in XXXX we signed a repayment agreement for our XXXX tax bill. The agreement was signed and payments sent. XXXX weeks ago XXXX of the checks was returned without explanation. When we called they demanded {$6000.00} in full or the house is auctioned on XX/XX/XXXX. What happened to prior notification? We began payment to the county for our XXXX taxes ; they superseded our payment, breaching the contract in XXXX, claiming that the breach was our fault because they paid the bill. If there had been contact made to us, as to how we would handle our taxes for XXXX, there would have been no need for RMS/PHH to pay our tax bill. RMS/PHH is the mortgagor and the collection agency. How can that be?? We had less than 2 weeks notification. There must be a law against this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flatonia Investments, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I received a second letter from Envoy Mortgage LTD. Reminding me that the alleged debt attached to current loan number XXXX was being transferred to XXXX XXXX with a new loan number of XXXX. I had received this letter previously and requested a validation of debt from XXXX XXXX and ceased all payments until this could be resolved. My confusion in this is my letter states that I must make payments to XXXX XXXX, but all correspondence must remain with Envoy Mortgage. If my Mortgage has truly been transferred to XXXX XXXX, then all services should be through XXXX XXXX and Envoy Mortgage LTD must cease all contact. 


p.s The letter was sent on legal paper, and too big for my printer to scan. I have included the cut off sections from pages 1 and 4.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: ROBINHOOD MARKETS INC.
State: RI

Complaint narrative:
On XX/XX/2021 I issued a check from my investment company Robin Hood in the amount of {$4700.00} to be made payable to XXXX XXXX XXXX XXXX XXXX. This check was made payable to pay off my auto loan In full. The money was successfully deducted from my investment account. Apparently when XXXX XXXX received the check and cashed it. The check was then returned and stamped as refer to maker. Apparently XXXX XXXX never received the funds and they reversed the loan payment from my account. The money was never returned back to my Robin Hood investment account. Robin Hood stated when I asked them what happened to my money upon review, we verified that XXXX attempted to deposit the check multiple times. The check was endorsed twice and the first one was successfully deposited by XXXX XXXX XXXX  on XXXX while the second endorsement was returned by XXXX XXXX finance. I have attached multiple documents from all parties. The final result is that the money was deducted from my Robinhood account and never credited back to my account. The check never cleared with XXXX XXXX and I have lost this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation