vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX my spouse and I requested our annual free credit reports from all three credit bureaus. 

XXXX provided both credit reports as requested. 

XXXX provided a credit report for my spouse, but other than my name the credit report was blank and, and when I tried to refresh the information the site said that I had already received my free report. 

Equifax denied provided both credit reports due to an inability to verify our identities, using the exact same information XXXX and XXXX accepted. 

When I call their support numbers to request mailed reports, both XXXX and Equifax mailed letters stating that a free copy of your credit file alreadt has been sent to you within this past 12 months. This is untrue, and in any case as we understand it, we were entitled to free WEEKLY credit reports during the pandemic. 

Equifax has continually denied my free annual credit report requests in XXXX, XXXX and XXXX, and denied requests from my spouse in XXXX, XXXX, and XXXX. This appears to be a systematized denial of legally mandated credit reports, considering the same identity information provided to the XXXX website was accepted by the other two credit bureaus. 

We know our credit bureau files are up to date, because we unfreeze and refreeze them when we perform the annual credit report requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/22 I was denied the right to continue in the loan process for a mortgage because the title to my home shows I am the rightful owner. Because of creative and fraudulent activity my home was stolen from me. Previously submitted complaints. County records state US and received XXXX for my home. XXXX XXXX I had a principal balance of XXXX. Almost 10 years later almost XXXX tacked on and principal not reduced despite making payments and write offs from Litton Loan and Ocwen. I want the release of title and satisfaction of lien recorded with the county.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
YOU ARE BREAKING THE LAW UNDER THE FEDERAL CREDIT REPORTING ACT! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 



To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. 
Mariner Finance {$2200.00} xxxxxxxx XXXX You are furnishing inaccurate and incorrect information on my consumer report. The reporting of such information has caused severe damage to my reputation, general mode of living and my ability to obtain credit for personal or household uses. You and your inaccurate reporting have damaged my livelihood. 



I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( Mariner Finance ) did not disclose this information to me that is required by federal law.

( Mariner Finance ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties.

( Mariner Finance ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.

You are in violation of federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. LEGAL ACTION WILL BE TAKEN IF THE ACCOUNT IS NOT REMOVED AS MARINER FINANCE HAS BEEN PUT ON NOTICE FOR VIOLATING FEDERAL LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was unable to keep up with my monthly payments for my private student loan. I was paying toward the interest of the loan and not the principle. I needed help. I contacted inland debt management company to help me assist with the loan. They negotiated my student loan from {$85000.00} to {$57000.00} from XXXX XXXX XXXX XXXX. But XXXX sold my loan to XXXX. XXXX debt management company contacted XXXX and got my loan further reduced to {$27000.00}. Which is how much I paid XXXX. I completed the payments in XXXX of 2020. And now they gave my account to XXXX debt collection agency claiming I never paid them. They also opened a collection under my credit history as security credit services for {$57000.00}. I am trying to have this removed. Im disputing it with the credit bureaus. This is causing me to loose a home I was about to purchase and these people should not be allow to do business if they will do this to students who settle their debt.

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Chime Financial Inc
State: TX

Complaint narrative:
My check was issued by my employer to be sent out to me. our Pay Date of XX/XX/2022. I can see my check on ADP. Which was then confirm by my place of work, that it was issued to me. I have yet to receive my check. Check in amount of XXXX for XXXX hours of work during the time period. I have called and still have not received my money. Chimes claim that they do not no where my check is which I think is a absolute lie. A representative was able to confirm that their was a check, in my name, from my place of work in the amount of XXXX. They continue to give false narrative. They are not the bank, chimes can not act as an agent for the bank, continue to classify as a bank of financial institutions via recorded phone calls. Where my money, where my pay, who gives you the right to hold my check if you are not an actual bank, and consumer had to verify identity prior to creating an account. Its been 5 days since my pay. Chime is laundering money, involved a huge money scam. This company needs to be AUDIT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Its been over 30 days since I completed my fourth complaint to the credit bureaus all three of them regarding inaccurate information reporting on my credit profile. I have not received a response from them. In regards to a bankruptcy and several other items that are being reported unverifiable and incorrectly.

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 2022-01-25 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I made a watch purchase that I never received. Item was returned to sender and sender ( XXXX ) issued a refund. Refund was not issued by the credit card company Apple Card ( Goldman Sachs ). They keep charging me for a refund they received on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My husband and I purchased jewelry at an XXXX  store on XX/XX/22. We wanted to get their credit card so we could make payments without interest. My husband was approved immediately. I was denied a card after completing the application and speaking to a representative. 
I received a letter in the mail from the bank on XX/XX/22 asking me to call them to verify my identity. I called and was again declined. I asked for a supervisor. I then spoke with XXXX. She stated that I was declined credit, there was no more information she could ask me to prove my identity, she could not give me a reason and that there was no one higher than her that I could appeal to. 
I believe this to be a violation of the federal equal credit opportunity act because my husband was approved immediately and I make twice as much money as he does and neither of us are in debt and we both have high credit scores. 
Everything points to age and gender discrimination.

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 2022-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied to Sam 's Club Credit Card issued through Synchrony Bank. They have sent me an adverse letter, denying me credit due to " too few commercial credit card accounts '' and that is bull XXXX. I am the natural consumer and I am the one who is supplying the credit. Synchrony Bank does not issue out credit, they just extend MY credit back to ME. They are supposed to be following the Fair Credit Opportunity Act, but they are discriminating against me. I am a " applicant '' pursuant to federal law, and in good faith I exercised my RIGHT to obtain credit under the Fair Credit Opportunity Act, and they unlawfully denied me credit.

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 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I completed my trial payments for modification with Ocwen. After completing the modification and approval process I called for the pay off. I lived out of the state of Georgia and hired a real state broker. Due to fraudulent activities the sale did not go through. Ocwen/PHH  and or XXXX XXXX  foreclosed without notifying me. I now have in possession copies of fraudulent documents stating I sold the home, stating I lived in the Midwest and was notified of a foreclosure despite not being behind. Because the home was sold and I was denied a loan on XX/XX/22 because of my previous home XXXX XXXX XXXX XXXX GA XXXX I am asking for the satisfaction and release of title ASAP. The documents loaded in the countys website show creative fraud in securing my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC System at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$2200.00}. This collection has been reported as past due balance. I have never done business with this company. This company does not have a contact with my signature.

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 2022-01-25 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a closed AT HOME credit card account with Synchrony Bank that has a remaining balance but I'm currently in the process of paying it off. My daughter and I were both hospitalized due to XXXX. I lost time from work and my paycheck was affected due to it. 
I was coming up close to being 30 days late on my at home card payment, so i called into their customer service dept. I was told by the rep that as long as i paid the past due amount of {$100.00} by XX/XX/XXXX i would not get a 30 day late reported to the credit bureaus. 
He said the call is recorded and he was 100 % positive that i would be ok. 
I made the payment by the date he specified on XX/XX/XXXX, the money has been removed from my account. Today XX/XX/XXXX i got an alert from XXXX credit monitoring service that AT Home/Synchrony bank reported a 30 day late on my credit report. 

I have never been 30 days late with Synchrony bank on any of the cards i have with them. this also has caused my credit score to drop XXXX points. I was in the process of refinancing my house and this will literally stop that from happening. I was told what to do by the CSR rep for Synchrony and I paid what i was told to pay and on the date he said to!

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 2022-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I have been a victim of identity theft starting in 2017. This company called Sun Loan Company has a loan balance that was fraudulently open in the amount of {$460.00} XXXX noticed this account last year that was being reported to XXXX XXXX and XXXX. I sent in the supporting documents including a police report and this account was blocked and removed. Now recently this company has reported this account to XXXX because they are blocked from the other two reporting agencies. They continue to report this account that was not open by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: ND

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: ND

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UMB FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been attempting to transfer the funds of my XXXX to another firm. UMB Bank has had the necessary forms since XX/XX/2021 and still has not processes the transfer request. I call on XX/XX/XXXX and and agent assured me that the check had been sent and to wait. 

I continue to wait as the agent instructed and call the new financial institution which states that nothing has been received. I call UMB back on XX/XX/XXXX and the agent tells me that no check has been sent but that they confirmed that the transfer request was received.

UMB then informs me the following day that I need to find account closure forms on my participant portal, however my account is administered by XXXX  so I don't have a portal with UMB.

It would appear that UMB is intentionally obstructing my ability to close/transfer my account despite official documentation of the requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I received confirmation # XXXX from a collection company called XXXX XXXX ( XXXX ) XXXX to affirm that I had in fact resolved this matter for an old XXXX  bill, by settling the payment for {$510.00}. Then a month later the same bill was requested for me to be paid by another collection agency ( who's name I don't recall because once I gave them the information I provided above they dismissed the account ). Then on XX/XX/XXXX I received a letter date XX/XX/XXXX from another collection agency called AFNI, inc. ( XXXX ) XXXX requesting that I pay XXXX again for the same XXXX XXXX I had already resolved with XXXX XXXX. I immediately called AFNI, inc. on the evening of XX/XX/XXXX to explain that this matter had already been resolved but the representative refused to accept my information and stated that if I didn't pay that they would report the account to the credit bureaus ( which they did by the very next morning an AFNI, inc. collection account was reported on my credit report ( XXXX, not sure of the others as of yet ). I contacted XXXX in which they just directed to call another credit agency who directed me to call XXXX back and explain that they must resolve this matter. I can not get ahold of anyone at XXXX to resolve this matter, and I've tried every support avenue they offer from chat to calling them directly. I am at my wits end and do not know what to do from these predatory collection agencies continuing to try and collect on a bill that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Advance Plus Checking account with Bank of America was penalized for charges that were made to my account at a time where there was a low balance. It was due to subscription fees that did not total over {$10.00}, which then caused me to incur 6 individual NSF fees of {$35.00} on top of the overdrafted amounts in my account from XXXX. I immediately contacted Bank of America to explain to them that I had no knowledge of why I was being charged those fees at that time since I expected them at a later date. Bank of America refused to extend any leniency to my situation and now I am out over {$200.00} due to just NSF fees alone. This is theft and should not be allowed as a standard practice for corporate financial institutions to prey on the poor.

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 2022-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a victim of identity theft starting in 2017. This company called XXXX  XXXX XXXX has a loan balance that was fraudulently open in the amount of {$460.00} I noticed this account last year that was being reported to XXXX XXXX and XXXX. I sent in the supporting documents including a police report and this account was blocked and removed. Now recently this company has reported this account to Experian because they are blocked from the other two reporting agencies. They continue to report this account that was not open by me.

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 2022-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WLCC
State: MN

Complaint narrative:
On XX/XX/XXXX, I received an email from this company stating I was in collections and owed them 670 dollarsXXXX  I did admittedly have this fall into collections due to bad management on my part, but it should be noted that this debt is not on my credit report. 

I asked them for a " written validation notice '' before I made any move to repay the debt, as is my right. By law, this must provide the amount of the debt, the name of the creditor I owe, and my rights under the FDCPA. In response, they simply gave me my account number and ordered me to contact them to repay the debt. I asked them for the notice again, making it clear what the notice should include, and they only provided me a copy of my loan agreement ( no mention of my rights under the FDCPA ) and again ordered me to contact them to repay the debt. In essence, they are refusing to give me the written validation notice which is illegal under the Fair Debt act. 

In addition, I have not been able to find evidence this company is licensed in MN, which is where I received the loan. If they are not licensed in this state, the debt is void.

Company response to consumer: Closed with explanation