vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602A, States I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC ( a ) ( I ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Our HELOC has been approved a loan modification in XX/XX/2022 due to COVID-related hardship. We signed the DEED OF TRUST already with the notary public that they sent to our house. On the day of signing, the notary public also captured our fingerprints. And we have been paying the amount on time according to the official legal deed that we signed. 

However, lately we've received letters of default from them. After reaching out and speaking to numerous agents over the phone, the research they conducted has found that they had made a mistake, and now they wanted us to sign another document to correct their mistakes and refused to acknowledge the deed that we signed and promptly removed us from collection and other default proceedings. 

We refused to sign another document because we had already signed and we had followed all their proper procedures to apply, submit paperwork and review process, and signed a legal document that they had finalized for the day of signing and witnessed by the notary public that they sent to our house. More importantly, it clearly states on the deed that it is a loan modification agreement providing the fixed rate, and it also has the breakdown of the monthly payment and number of payments. And we have been paying according to the terms and conditions on the deed for more than 6 months now. 

We escalated the issues to the Servicing Executive Officer or Servicing Escalation Specialist. She basically just wanted us to sign another document to correct their errors and continued to re-route us into cycles saying that we have reached the highest level of escalation with the executive office.

We don't think this is a right practice and it's totally unprofessional. It's totally wrong. How can we trust them they won't come back to us again in the future and ask us to sign again because of the other errors they made! 

Therefore, we are writing to seek help and advice on how we should proceed this. 

Thanks so much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  account XXXX XXXX 15 USC 1681section 602 A, States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ( a ) ( I ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX BANK XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
As dated, XX/XX/2023, Southwest Credit System has invasion my rights to privacy. I, XXXX XXXX, do not agree to contract, I do not give consent for such company to have my nonpublic personal information. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
The Citi Dividend XXXX XXXX, like many other cards, offers 5 % cash back on merchant categories which change quarterly. Each quarterly offer is in effect for three months. Typically customers can activate each new offer at least 15 days BEFORE the quarter begins.

Sadly, for multiple quarters, Citi has kept customers from using the full three month offer by delaying signup availability until well after the quarter begins. Today, XX/XX/XXXX, Citi 's signup page at https : //www.citi.com/credit-cards/dividend-quarterly-offer still displays the offer that ended XX/XX/XXXX, despite multiple refreshes using different browsers and platforms. My wife has noticed similar delays every quarter for at least the past year. This despite the claim on the attached screenshot that registration opens XX/XX/XXXX for the quarter beginning XX/XX/XXXX. Unlike other card issuers, Citi also states in the fine print that " the offer starts within two business days of when you enroll '', potentially further extending any delay.

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 2023-01-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
From the year XXXX to XXXX a former bookkeeper for the business was fraudulently using a business credit card to make purchases from XXXX, XXXX XXXX, XXXX, etc. to the amount of {$23000.00} This was not recognized until she was already fired for payroll theft and we were going back through the records. It was hard to differentiate our XXXX purchases from her XXXX purchases so we decided to call XXXX to verify. We were able to get a XXXX on the phone and she was able to help us go through the many transactions that were there and let us know which ones were fraudulent and which ones weren't. I spent no less than XXXXXXXX XXXX  on the phone with this particular XXXX going through each individual charge, what it was and who made the charge. She was also able to let us know that this bookkeeper had XXXX credit cards linked to her XXXX account that did not belong to her. After we discovered the XXXX fraud we then noticed that there was fraud by XXXX XXXX. We also have XXXX XXXX for our business and when we went back and looked we were being charged XXXX every XXXX by XXXX. Once for our cell phones and once for the bookkeepers entire family cell phones. This was not just her phone, but everyone in her family. Once we had gathered our information we immediately notified the police and Wells Fargo. Wells Fargo rejected the fraud because she was a bookkeeper for the company. We never gave her the credit card to use and she never had it in her possession. We do not know how she was able to obtain the number. Once Wells Fargo denied the claim we had our attorney send them a letter with more information. He also called Wells Fargo to try and resolve this to no avail. The bookkeeper has since been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for these credit card charges but we still have not received any help whatsoever from Wells Fargo other than for them to tell us that they denied the claim. We would appreciated any help that we can get. This process has been prolonged due to XXXX and the court system being backed up.

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 2023-01-12 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: OPORTUN FINANCIAL CORPORATION
State: ID

Complaint narrative:
Ive been in bankruptcy since XX/XX/XXXX. My lawyer, XXXX XXXX XXXX, sent out a letter of proof on XX/XX/XXXX to XXXX. They still are showing my XXXX account as open and active in their er site as well as my XXXX credit report and possibly XXXX and XXXX. I know for sure in XXXX. Its illegal to keep open my XXXX account after Ive filed for bankruptcy. And when I call XXXX Im automatically transferred to collections where they ask for payment. Its illegal to do this after I filed for bankruptcy which I did on XX/XX/XXXX. Please cease and desist attempts to collect money when I call in and am transferred to collections. Please contact XXXX and change my account from open status to closed due to bankruptcy. Also close my account number XXXX. Stop showing Im in past due status on XXXX website. Im in bankruptcy. Its illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: GOLDMAN SACHS BANK USA
State: ID

Complaint narrative:
Goldman Sachs Apple Card are still showing my account as open on all 3 credit reports. XXXX XXXX, XXXX, and XXXX. Apple Card are aware that I am in bankruptcy, and yet still have not closed my accounts on these credit bureaus. They also mentioned something about a charge off, which is extremely harmful to my credit score, and thats illegal to create while I am in bankruptcy as well. I have been in bankruptcy since XX/XX/XXXX, my lawyer sent a letter to Goldman Sachs/Apple XXXX back oXXXX XX/XX/XXXX. This is illegal after filing bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX added a collection amount of {$2000.00} onto my credit report XX/XX/2022 via collection agency XXXX XXXX XXXXXXXX XXXX 

This is incorrect. XXXX XXXX XXXX  XXXX paid and approved rent assistance of {$4300.00}. 

I should not be charged any amount. I emailed the XXXX XXXXXXXX at the time of payment and she knew I was approved for rental assistance. 

This is fraud. 

XXXX 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 XXXX XXXX XXXXXXXX

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 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Scam call ( s ) from ( XXXX ) XXXX. When I answer phone call from this number, its informing me that I had a transaction that they were checking on. Then, when I informed them that they had the wrong number and I don't have a bank account under PNC bank they asked me for my bank and I told them it was none of their business. They then told XXXX XXXX XXXX XXXX XXXX XXXX ''. Please use the phone number to crack the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: IL

Complaint narrative:
XXXX Ad XXXX of XXXX Description 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 XXXXXXXX, 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 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 XXXXXXXX XXXX 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Act Name : Affirm, XXXX Act Name : XXXX, XXXX XXXX Name : XXXX, XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I received a Vanilla Gift card as a form of payment from a customer. Every transaction has been declined. The card balance has been verified. I have had this problem often with this particular gift card company numerous times in the past XXXX  months. Their customer service is non-existent. I have called every number listed for them. I end up on hold for XXXX minutes every time I have called. No one Ever answers. This company has been nothing but problem after problem. And then prevents and/or ignores any attempt to get help from them. I am frustrated and feel ripped off And deceived by Vanilla Gift. Please help. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: WI

Complaint narrative:
As I'm going back on my credit report I noticed usual use of my credit report. Someone has used my credit for information that does not tan towards me. Some of the information with accounts reporting on my has be used that was not authorized by me. 


These accounts have been included on my FTC Fraud Affidavit XX/XX/XXXXXXXX presented by my local police department XX/XX/XXXXXXXXXX/XX/XXXX DEPT OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX

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 2023-01-12 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: AL

Complaint narrative:
On XX/XX/22 I sent a letter to the credit bureaus to validate accounts for the following : 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 No actions have been taken.

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 2023-01-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase rejected my claim against XXXX on the basis of the service being available by vendor at the time of booking. This was obviously handled unprofessionally, and at a very low level, because it is completely XXXX to the fact that we had hurricane Nicole on XX/XX/2022. All flights out of XXXX were canceled and I could not get to the XXXX destination to pick up my rental car. A hurricane is considered to be an act of XXXX, and constitutes a force majeure event. If the rental car company was affected by a hurricane, they would have simply not provided a car, based on a force majeure. Why should I be handled differently as a consumer?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I been trying to get XXXX to update my address since 2020, XXXX has inaccurate information on my report since XXXX, TransUnion has inaccurate information on my credit report since XXXX. I have paid credit repair company to repair and remove those inaccurate information, I cant get approval for a mortgage until I take care of this. Now going on the XXXX  year. This is insane.

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I been trying to get XXXX to update my address since 2020, Equifax has inaccurate information on my report since 2020, XXXX has inaccurate information on my credit report since 2020. I have paid credit repair company to repair and remove those inaccurate information, I cant get approval for a mortgage until I take care of this. Now going on the third year. This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: NV

Complaint narrative:
In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 1681c ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer reporting agency containing any of the following items of information, other than records of convictions of crimes with antedates the report by more than 7 years. 

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or have a 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