vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
I discussed my huge increase on monthly payments with a loan specialist through the mortgage holder and when I done the math on the figures he gave me it didn't add up to the amount I'm paying monthly. When I asked about the extra charge they said the didnt have a specific answer to my problem. Also I have been receiving information on them continuously adding more to the total cost. They ask me to provide documentation to prove the unexplained increasing on my payments/total cost. The most recent monthly statement has a XXXX fee that doesn't explain what it's for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, As violated my rights. 

15 USC 1681 section 602 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 a account without my written
instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Purchase securespend prepaid card for {$500.00} on XX/XX/XXXX, went to check the balance of the card and received an error. Called the phone number on the card and was told that card was marked for fraud as a transaction for {$500.00} had been made. Transaction was not me clearly. Expect a refund, or new card with same amount. Filed a dispute case with agent over the phone, and signed it online. 
Has been over 30 days that I have not received my money back or a new card .... ridiculous to wait this long for my {$500.00} which was stolen. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: ERC
State: KY

Complaint narrative:
ENHANCED RECOVERY CO L has flagged your account as Collections on XX/XX/2020. 

Source : XXXX XXXX : ENHANCED RECOVERY CO L Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2020 Balance : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX, As violated my rights. 

15 USC 1681 section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX, As violated my rights. 

15 USC 1681 section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 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: NJ

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

Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX Account name : DEPARTMENT OF EDUCATION/XXXX XXXX XXXXXXXX Account name XXXX UNKNOWN # XXXX Account name : UNKNOWN # XXXX Account name : UNKNOWN # XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

These accounts have violated my rights. 

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 a account without 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 if information. Any other adverse item of Information, other than records of convictions of crimes which anecdotes 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 2022-12-04 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: NJ

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

Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : DEPARTMENT OF XXXX XXXX XXXX XXXX Account name : DEPARTMENT OF EDUCATION/XXXX XXXX  XXXX Account name XXXX UNKNOWN # XXXX Account name : UNKNOWN # XXXX Account name : UNKNOWN # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

These accounts have violated my rights. 

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 a account without 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 if information. Any other adverse item of Information, other than records of convictions of crimes which anecdotes 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 2022-12-04 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: Creditors Bureau Associates
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purXXXXpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX, As violated my rights. 

15 USC 1681 section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
In XX/XX/2022 I was contacted by a person who claimed to be XXXX XXXX, she was very convincing. after a while it al became very romantic and she wanted me to come to XXXX. I told her I don't have the money for it. She told me she would help me invest some money in crypo and real estate and so I put XXXX,- in XXXX XXXX  and this made XXXX profit and the suddenly the money completely dissapeared from the site. I invested XXXX, - in a real estate investment through XXXX and this was out of my site afterwards. I tried to withdraw money from the XXXX bank it was send to, but no result and no money. 

She told me I had to buy a XXXX XXXX XXXX to meet her and I paid XXXX,- for the card and I received all kinds of documents to get it. After a few months I watched the XXXX show XXXX and found a way to reverse phone search option, but when I tried it on the number of her on Telegram it turn out to be a scam. I told her and the one who provides the card to send me back the money but non of them did. So I want the bank and others to send me back the money. This all got me into serious financial trouble. 

I have all the email and telegram conversation in XXXX XXXX for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, As violated my rights. 

15 USC 1681 section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
They advised me that they investigated with the company and the negative account ( and its impact on my credit ) remains as accurate. The account was PAID OFF the same day after it was reported 30 days late. I want the status update to reflect that it has been paid off. Please see the attachment for additional info. 

The fact that I have to report the credit bureaus every other day is absurd. Why is it so difficult to do your job? You are going to find yourself landed in court with another lawsuit if my credit report continues to be inaccurate and youve been given multiple chances to make the appropriate corrections ( with evidence ). 

You have been warned.

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 2022-12-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.

Complaint narrative:
I would like to ask for your help : On XX/XX/XXXX, my mother, XXXX XXXX, signed a reverse mortgage for {$77000.00}. Unfortunately, on XX/XX/XXXX, my mother suffered a severe XXXX and became unable to work. She was never able to use the {$77000.00} reverse mortgage. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 
On XX/XX/XXXX, I received the following response, which I quote verbatim : " 'These funds were not sent to your mother 's bank account, but were used to pay off a mortgage loan with Champion Mortgage. 

My mother 's guardian made mortgage payments totaling {$350000.00} to XXXX. Included in this {$350000.00} was {$77000.00} although this amount was never used. 
Is this horror story because I, as my mother 's heir, am a XXXX  XXXX? 
Please help me. I have all the relevant documents in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inquiries on my credit file that I did not give consent or approval for. This is a violation of the Fair Credit Reporting Act. I want the inquires removed immediately if not I will file a cas on Transunion and each creditor that requested credit without my consent, Transunion would you please provide the IP address and drivers license info used to apply with the creditors. Transunion youre violating my rights just know that. The creditors that requested a credit pull without my consent is listed bellow XXXX XXXXXX/XX/2022 I did not give creditor permission XXXX  XXXX XXXX  I did not give this creditor permission XXXX XXXX  XXXX XXXX I did not give this creditor permission XXXX XXXXE- XX/XX/2022 I did not give this creditor permission XXXX XXXX  I did not give this creditor XXXX I just purchased a product which allows me to keep my credit report locked and only unlock them when I need to apply for credit. Please do not put any alerts on my credit file. Thanks 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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
They advised me that they investigated with the company and the negative account ( and its impact on my credit ) remains as accurate. The account was PAID OFF the same day after it was reported 30 days late. I want the status update to reflect that it has been paid off. Please see the attachment for additional info. 

The fact that I have to report the credit bureaus every other day is absurd. Why is it so difficult to do your job? You are going to find yourself landed in court with another lawsuit if my credit report continues to be inaccurate and youve been given multiple chances to make the appropriate corrections ( with evidence ). 

You have been warned.

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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
They advised me that they investigated with the company and the negative account ( and its impact on my credit ) remains as accurate. The account was PAID OFF the same day after it was reported 30 days late. I want the status update to reflect that it has been paid off. Please see the attachment for additional info. 

The fact that I have to report the credit bureaus every other day is absurd. Why is it so difficult to do your job? You are going to find yourself landed in court with another lawsuit if my credit report continues to be inaccurate and youve been given multiple chances to make the appropriate corrections ( with evidence ). 

You have been warned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently sent a dispute stating that they are reporting inaccurate and unknown information on my credit report. To this day they still have not removed it and I am attaching proof that it is totally inaccurate reporting. I am furious this is still on my credit report. I also have been seeing big lawsuits against these guys which is a big concern and I am ready to file for litigation if they do not remove after this. They are violating multiple laws and I never heard of half of these accounts they are reporting nor gave them permission to put it on my report. 

I have pretty familiar with Fair Credit Reporting Act and consumer law and will list the violations. 

These are the accounts that still must be removed. 

XXXX. XXXX  XXXX Acct # : XXXX This account is not mine and it has different information across the bureaus and I am attaching proof. 

XXXX. XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached XXXX. XXXX Acct # : XXXX Never even heard of this company and they are all reporting different information and it must be removed. XXXX attached XXXX. XXXX XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached THESE ARE THE LAWS THEY ARE VIOLATING XXXX5 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.

I understand they are in a lot of heat right now and all I am asking is that they finally remove these unlawful accounts reporting so I can acquire credit as this is hindering me. I am filing with CFPB to document all of this if I have to file for litigation.

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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Beginning in XXXX this year, I noticed several errors and omissions on my XXXX credit report from Affirm. I sent XXXX a dispute based on the errors I seen. After 45 days, I checked my XXXX credit report again to notice that no action was taken on my dispute. The credit report wasn't even marked as disputed. I know XXXX received my dispute because the credit bureaus send disputes via XXXX to the furnisher of the information. I sent another detailed dispute to both XXXX and Affirm directly. This time, Affirm sent a response saying their information was submitted accurately. After another 45 days, I checked my credit report again only to see that no action was taken on my dispute, but this time it was marked as in dispute. I decided to seek professional help. In XXXX, I filed for XXXX against Affirm. They still assert their credit reporting is accurate even though it is not accurate, and months of data is missing. They hired an attorney who claims that the missing information is because of XXXX. I know that is a bunch of hogwash because if that were the case, THOUSANDS would be suing Affirm right now because of damaged credit reports. It is now XXXX, and no action has been taken by Affirm to resolve this matter. Nor Affirm or their attorney have communicated with my authorized representative in weeks. I wanted to make the CFPB aware of Affirm 's actions before I proceed with Arbitration against them, and give them one last opportunity to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: MS

Complaint narrative:
XXXX XXXX XXXX  reported a late payment on my account when I paid them back in XXXX I've paid them every month on time for the last 4 years and they reported late for 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 non-monetary relief