vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have recently applied for a Chase credit card and been approved. After setting up my account, I tried to use XXXX XXXX. The system told me I need to call, as there was a problem and they needed further info. 

I have called three different agents. Every time I call, I have to enter my full Social Security Number and my date of birth. After being connected to the agent, the agents ask me for the Social Security Number again. I am very concerned giving my SSN to somebody over the phone. I don't understand, why Chase would need to have that twice and why there is no safer way to identify me. This seems to be reckless. 

Also the agents were completely incompetent and I assume they were located somewhere in XXXX. Is this a third party call center and how is my information safe? 

The third agent finally told me, that the issue has to be fixed with XXXX but that I need to call earlier. 

So I called today again. Fourth agent put me thru to XXXX. Again, I have to give my entire information over the phone. They say that Chase reported a wrong Social Security Number and that I have to contact Chase again. 

Fifth agent at Chase ( XXXX ) I talked to, again asked me for my SSN. I told her what are my concerns. She tells me, that she had many other customers telling her that concern. She could not tell me, why this has not been fixed or why she is not able to explain, why they have to ask for the full SSN. She also tells me it happens that they screw up SSN numbers, when connecting to XXXX. 

I would like the two following questions answered : - Why is Chase asking for full SSN over the phone, even though customers are prompted to enter SSN before getting connected? 
- How could Chase approve a Credit Card if my SSN is wrong or does Chase have a systems issue, so the interface of XXXX XXXX to XXXX screws up the SSN?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I made a {$5000.00} payment to the money source company. Before they transferred the mortgage to Mr Cooper. Now Mr Cooper will not acknowledge the {$5000.00} payment on their side. I have proof of payment from XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: AL

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 : 1XXXX 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 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 2023-03-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: IA

Complaint narrative:
purchased house through mortgage broker XXXX XXXX in XXXX LAST MORTGAGE SAYS MY NAME XXXX XXXX WAS REMOVED FROM MORTGAGE DATED XX/XX/XXXX doc # XXXX STILL CURRENT! I NEVER REMOVED MY NAME FROM ANYTHING CHECK THIS OUT WITH NOW ROCKET MORTGAGE NEW LOAN # XXXX XXXX NORTH XXXX OSKALLOSA IOWA XXXX? ROCKET WILL NOT GIVE ME INFO NOT ON MOERTGAGE! PLUS I HAVE 2 RETIRERMENT ACCOUNTS MISSING XXXX XXXX XXXX IOWA, XXXX XXXX FROM XXXX AND XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX! ALL THESE RETIRERMENT ACCOUNTS HAVE GONE MISSING ******* PLASE HELP XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Netspend Corporation
State: NY

Complaint narrative:
I purchased a netspend prepaid card for {$100.00}. 
I tried using it on XXXX a couple of times but my payments did not go through. 
I went online today to confirm that the XXXX purchase I made today went through and I noticed that not only did my purchase not go through but I was being charged an inactivity fees of {$5.00} for the past 2 months. 
I called to try and resolve this but both customer service reps and the supervisor I spoke to told me they could not access my account nor could they give me the balance of my account back. I want others to know they should stay away from this company. As far as I can see all they want to do is scam you out of your money

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 2023-03-01 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: IL

Complaint narrative:
I am putting in a complaint because Transunion XXXX XXXX XXXX has reported My bankruptcy when in fact my bankruptcy court has given me written proof stating they indeed don't report to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
During Cocvid-19, I started working with my mortgage company, Bank of America XXXX XXXX modify my loan. Bank of America assured me several times over 2 years that they were working on my loan modification each time I submitted the modification documents. Each time the modification packet was submitted, I was told constantly that the underwriters were reviewing the packet and it takes time to process. Eventually, I was told that the underwriters took too long to review the documents and I had to start the modification process all over! again, and again, and again and again!!! This happened each and every time I submitted the required document packet! Bank of America NEVER worked with me to modify my loan, and out of no where, they notified me the sale date of XX/XX/2023 to foreclose on my home!!! I was given the run around for over 2 years. Each and every time documents were requested by Bank of America, I submitted all documents, and called them to confirm that ALL documents were received each time!!! I spoke to a Law Firm and they offered to take my case and bring charges against Bank of America for unlawful foreclosure, because a large volume of other clients of this law firm have been treated the same in dealing with Bank of America in the same way when it comes to modifying a home loan with the end results being a Foreclosure!!! Here is the previous claim number, were Bank of America responded stating that they were working with me to help me stay in my home by modifying the loan!!! 

Previous Complaint # 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 2023-03-01 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Hyundai Motor Finance/Hyundai Capital America has falsely reported my account as 30 days late, when I am only 12 days behind. This has brought my credit score down tremendously. Could you please remove the late payment against me on my account, as I am not behind by 30 days or more. I asked for a payment deferment, as I am recovering financially from a medical emergency bill, while simultaneously relocating, and this hit to my credit score will greatly hinder my chances of getting approved for a new lease. Please update my account to reflect my fair and accurate account history to XXXX, XXXX and 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 2023-03-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX : # XXXX - Has violated my rights UNAUTHORIZED INQUIRIES : FACTUAL DATA XX/XX/XXXX Has violated my rights XXXXXXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXX  XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX Has violated my rights And other list of INQUIRIES. 


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 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 2023-03-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 XXXXXXXX  : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX : # XXXX - Has violated my rights UNAUTHORIZED INQUIRIES : FACTUAL DATA XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXX XX/XX/XXXX Has violated my rights And other list of INQUIRIES. 


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 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 2023-03-01 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal opened a credit card for someone under my name and refuses to remove it!! It has an address that I NEVER lived at. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I did not open this account and demanded a signed copy of me authorizing this credit card. The bureau reported it as opened in XXXX now it says opened in XXXX. This is not my card and I never authorized it!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: CA

Complaint narrative:
I am writing to file a dispute against XXXX, Experian XXXX XXXX consumer credit reporting agencies, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX & XXXX, XXXX XXXX  Acct # XXXX & XXXX XXXX  XXXX Acct # XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like XXXX, Experian XXXX XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that XXXX, Experian XXXX XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore, XXXX, Experian, & XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of XXXX, Experian XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of XXXX, Experian XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, XXXX, & Experian for their violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: GA

Complaint narrative:
XXXX XXXX  is reporting an account open and delinquent when in fact it is closed and current. They reported this after the due date of the card was changed. There are automatic payments being made on the XXXX of each month and the arrangement was made for this to happen for the next 60 months so why They are reporting the account as open and delinquent is a mystery. It needs to be either validated or removed from all reporting agencies.

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Credit Card company sent promotional materials for 0 % APR interest on balance transfers from existing credit cards. Offer was received late XXXX via promotional mailer from Discover. Respond by XX/XX/2023 - options included online, phone, CHECKS or mobile app. 
On XXXX XXXX my response was to use the checks online to transfer credit card balance from XXXX XXXX. Terms were 12mos at 0 % APR and 3 % promo fee Transfer came through no problem -- I thought, however, received first statement with the balance transfer as a CASH ADVANCE along with a {$75.00} cash advance fee and 28.74 % APR. 
Called Discover in attempt to resolve this issue as it was not my understanding of how the balance transfer was offered on the promo mailer. This was unacceptable. First service rep escalated to a supervisor that person refunded a couple of interest charges then transferred me to a manager for further resolution. He could not reverse the transaction to a balance transfer and that I would have to pay the cash advance off or continue to receive the remaining interest rate for that transaction. No where on the promotion with the checks did it state that this would be a cash advance but a balance transfer with 0 % APR for 12mos. 
On a separate note along with the checks on the back side at the bottom of the page was a statement regarding limitations or details I should know Otherwise, he could not help me reverse the cash advance transaction from the way I had entered the balance transfer by one of the checks provided. I should have sent the Discover paper check to XXXX XXXX for the credit card balance I felt this was totally misleading a consumer

Company response to consumer: Closed with explanation