vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: VT

Complaint narrative:
I transferred funds from my online bank ( XXXX  ), to my Wise account on XX/XX/XXXX. On XX/XX/XXXX XXXX indicated that the funds had been transferred, but Wise did not deposit them into my Wise account. Today, XX/XX/XXXX the status in my Wise account says the transfer was canceled, with no explanation. When I contacted Wise, they said they had an " incident '' that caused the transfer to be canceled, and provided no additional information. Wise has said they will refund the money to my XXXX XXXX  account, upon me providing proof of payment, which I have sent them. Wise has stated it will take them up to 10 business days to refund the money. This means the transfer amount of {$7200.00} will be in Wise 's hands for up to 15 business days before I receive it back. I need this money to pay my bills, and it is unacceptable for Wise to retain my money for this long when it was their own issue causing the cancelation and delay. I would like my money refunded immediately, and explanation of the incident including whether they suffered a security incident that compromised my account, and compensation provided for the daily interest I lost while Wise holds my funds. The interest I will lose on {$7200.00} for almost a month is approximately {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Both on The First Week of XXXX & XXXX I send a notarized FTC Affidavit for the same purpose. 

Result : Unsuccessful-Willful Non-Compliance. 

On XX/XX/2024 I made multiple calls to Experian Customer Service. 
After the intake of the SS # and correct personal data, I was told I would be transferred to a disputes department to complete the processing of these updates. 

Result : Each Transfer was unsuccessful and the phone line cut off! - Willful Non-Compliance

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 2024-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I opted to receive electronic statements and notifications for my mortgage with Rushmore Servicing.

I happened to go on line to look at my account and realized that my monthly escrow payment had been increased by {$370.00} per month, more than 10 % of my previous mortgage & escrow payment. I was not notified of this change by email or in a written letter.

I called Rushmore Servicing and they said that they don't have to notify me by any other way than sending me my monthly mortgage statement. To be honest, I don't look at the monthly mortgage statements because I assume they will always be the same unless I'm notified otherwise.

Is there nothing in the law that says a mortgage provider does not have to notify a home owner if they are changing their monthly escrow expense?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX Incorrect Name - XXXX XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX EMPLOYER - XXXX EMPLOYER - XXXX XXXX

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 
I have not given you written permission to put anything on my credit profile. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
The account in question is : XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX opened XX/XX/2017 which has also reached the limitation in which said account can be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit 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: VA

Complaint narrative:
I was visiting a friend in New York. We stopped by a corner store we have both been too before. I purchased XXXX energy drinks. A small child rang me up I believe under the age of XXXX and they accidentally charged me {$6200.00} on XX/XX/23. By the time I realized there was an error I was back home at XXXX. I have had previous incorrect charges before and there were resolved without issue. However, this transaction i've had to submit a dispute for XXXX times now. The credit card company ( Apple Card, Goldman Sachs ) continues to state there is no issue with this transaction even given the evidence of correspondence with the merchant stating they will rectify the charge. I have an agent from XXXX supporting this case and has everything documented and all those documents were provided with the dispute. Each dispute is closed without any notice and they take several months to hear back from. Based on how long the credit card company has taken with each dispute the merchant is unable to provide any additional receipts or camera footage. I am deeply concerned about this dispute. I have never made a transition this large before and there were no security checks for this transaction. I use this credit card every day and pay off my bill every month without issue. It is appearing that the bank is uninterested in supporting this dispute. I am left with no other options besides resubmitting disputes but how long can that continue? My last resort is to sue the small business and the credit card company for financial negligence. I am also afraid the credit card company is attempting to scam me out of the exuberant cost of the incorrect charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
In XX/XX/XXXX, I explored renting a unit at an apartment complex called " XXXX XXXX '' in XXXX XXXX, FL, while caring for an ailing grandparent nearby. I gave my information and submitted an application, and gave a " refundable '' deposit to an agent on-site at the XXXX XXXX XXXX named XXXX. I never signed a lease or committed to living in the building. In XX/XX/XXXX, my grandfather passed, and I no longer needed to lease a second unit ( I live in XXXX   ) in XXXX XXXX. I contacted XXXX on XX/XX/XXXX to officially cancel my rental application and return my deposit on the unit ( see " Re : XXXX XXXX - Proof of Income '' email thread ). I received confirmation on XX/XX/XXXX from XXXX confirming the cancellation and refund amount. On XX/XX/XXXX, XXXX informed me that the refund would arrive by check in " 2-4 weeks '', On XX/XX/XXXX I contacted XXXX again as the refund never arrived. She offered to check with her management but then stopped responding to emails/phone calls after that date. I tried escalating by contacting the corporate-manager XXXX XXXX XXXX XXXX XXXX also without any response. Finally, I contacted XXXX XXXX and initiated a dispute ( it was charged to my card ) for the {$350.00} deposit plus the {$120.00} " application fee '' given the circumstances. I forwarded all of my correspondence with the building, and XXXX XXXX found the dispute in my favor and reversed the charge. On XX/XX/XXXX, I received a " Move Out Statement '' from XXXX indicating I owed {$550.00} to XXXX XXXX- where I never executed a lease or occupied a unit. Multiple emails and phone calls to XXXX XXXX and XXXX went unanswered ( see second email thread ( " RE : Need Assistance XXXX XXXX XXXX Move Out Statement '' ). In XX/XX/XXXX, I was notified by the major credit reporting agencies that a collection had been filed on my credit report from " Columbia Debt Recovery '' acting on behalf of XXXX XXXX. I attempted to dispute those records with XXXX, XXXX and XXXX but they have so far not removed this clearly erroneous item from my credit report and are allowing this entity to now tarnish my credit records. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX DATE OF INQUIRY : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Remove these inquiries, please. I'm unaware of them, and the company proceeded without consulting 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 non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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.

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 non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/2024 I attempted to open a Citi checking account. I was denied and told I'd receive a letter in the mail. I received the letter on XX/XX/2024 ( file number XXXX ). The letter listed the reason as " unable to verify information ''. 

Thinking that I perhaps entered information incorrectly upon signing up, I tried again to open the account on XX/XX/2024. I received a denial again, so I called the phone number listed on the letter I received to get clarification about " unable to verify information '' and get a better understanding of what information was unable to be verified. The person I spoke with was unable to provide me with any additional information. 

On both XX/XX/XXXX and XX/XX/XXXX after attempting to apply for an account, I received a notice from " XXXX XXXX XXXX '', a service I have set up to monitor credit inquiries that a lender ( presumably Citi ) attempted to verify my identity. Because of the timing of these notices, I believe these to be requests from Citi. 

Because this is an adverse action that I believe to be based on a credit report, I expected the letter I received to list the specific reason for the action, and also inform me of my rights to receive a copy of the report that the decision was based on. The letter did not contain this information and the agent I spoke to was unable to give me any further information. Because of that, I do not know whether your descission was based on potential inaccuracies in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In XXXX of 2023, I filed a dispute with Navy Federal Credit Union against merchant XXXX XXXX XXXX XXXX. I received defective merchandise, and upon reaching out to customer support, XXXX XXXX XXXX offered me a gift card/merchandise credit to resolve the issue and repurchase items from their website. I agreed to this ; however, after following up with them XXXX times, they completely went AWOL leaving me with defective merchandise and no refund or gift card. Please see email attachments to corroborate this. Navy Federal will NOT return my money, in spite of me providing several pieces of documentation where the merchant themselves offers to correct the problem. This never happened. At one point, NFCU closed my dispute because they said they requested more information ; however, I never received this request and only saw it when I logged into my account online one day and saw a notice that I had a message from NFCU. I have provided Navy Federal with all the documents they requested. There is MORE than enough proof to credit my account the {$260.00} creating a circumstance where it's in arrears and debiting any deposits I make to the account. On top of that, NFCU allows creditors to debit funds from my account when my card is FROZEN in order to prohibit this. They are unethical in that they create situations to nefariously take consumers ' money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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