vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 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: FL

Complaint narrative:
in accordance with the fair credit act convergent account # XXXX XXXX  XXXX XXXX has 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 that a consumer reporting agency can not furnish a account without my instructions

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 2022-04-05 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:
just checking my credit report and noticed accounts and inquiries that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
just checking my credit report and noticed accounts and inquiries that doesnt belong to 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 2022-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
Cash APP notified me via email. I was unaware of the breach by a former employee. Please see their attached email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX XXXX  / {$0.00} / XX/XX/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 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX XXXX  / {$0.00} / XX/XX/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
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
1. UNITED REVENUE CORP ( Original Creditor : XXXX XXXX XXXX ) I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
In XXXX of 2022, in response to a goodwill requests, my rights were violated. 

15 U.S.C 1681 Section 602 A states I have the rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Garrison Investment Group
State: AZ

Complaint narrative:
Good day. 

Since XX/XX/2021, I have not been able to receive statements. I used to sign in online and despite conversations with the lender directly to understand why the statements stopped populating while I have made on-time payments struck me as unusual. 
No resolution has come from me trying to resolve this with Foundation Finance directly. I have some concerns as I do not see balances reflecting my payments. 
Even if they were applied correctly, I should be receiving a statement monthly on an active loan to see where I am. I am requesting assistance to get Foundation Freedom to show me statements for XX/XX/2021- Present. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: DC

Complaint narrative:
My original mortgage was serviced by XXXX XXXX XXXX XXXX  and later transferred after I refinanced in early XXXX. Currently my mortgage is serviced by Freedom Mortgage Corporation. In XX/XX/XXXX I received the escrow account disclosure statement ( attached ) indicating my account had a Shortage Amount in escrow due to an increase in taxes or insurance. To avoid changes in my monthly Mortgage payment I elected to pay the Shortage Amount in full, {$240.00}, with my XX/XX/XXXX payment and contacted Freedom Mortgage to determine the best method for payment of the additional amount. My XXXX payment included my current mortgage amount, {$2100.00}, plus the {$240.00} shortage payment. See Mortgage Statement dated XX/XX/XXXX attached. 

In spite of the Shortage payment made in full to reach the required minimum balance in Escrow with my XXXX statement, I noticed in my XXXX Statement the Escrow amount shows an increase of {$43.00} ( {$420.00} to {$460.00} ). I dont understand why, nor has ( Freedom Mortgage ) the mortgage servicer been able to explain satisfactorily the increase. 

The Escrow Account Disclosure Statement indicates the Projected Minimum balance and the Required Minimum balance to determine the Shortage Amount. By paying the Shortage amount I shouldnt have the shortage spread automatically over the next 12 months or an adjustment to my currently mortgage payment amount of {$2100.00} without any data to support the adjustment. 

Please see attached statement XX/XX/XXXX as a point of reference for my original loan amount before the XX/XX/XXXX increase. 
The contact person ( Escalation Specialist ) I spoke with at Freedom Mortgages name and information is : XXXX XXXX Email : XXXX Ph. XXXX or XXXX ext : 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 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My check was cashed with fraudulent endorsement from Citibank. 
Citibank clearly knows who did corroborated with its bank teller. But would not tell me. 
I suspect the landlord did it, because of only one mailbox. 
I have visited XXXX XXXX XXXXXXXX, Citibank, several times, and Police Report obtained. 
It is XXXX XXXX XXXX, they are all thieves, not telling me who got the money. 
I got the final letter recently from Citi, telling me XXXX XXXX XXXXXXXX is check signer, therefore tell them your problem. XXXX XXXX XXXX XXXX XXXX finally tell me to report you. I believe XXXX XXXX, XXXX XXXX. This is simple request, let me know who is thieves, then I resolve this by my own hands. 

XXXX XXXX XXXX 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 2022-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX XXXX {$73.00} / XX/XX/2021

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 2022-04-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I've been attempting to get CareCredit to correct their errors in charging me interest on promotional purchases I paid off prior to expiration date plus it looks to be that I'm given 12 months or 24 months for the promotional purchase and at 6 months suddenly CareCredit interest charges hit my account? 
They will not send me my past statements from the year ( s ) prior and when following their online process to request older statements, their system logs me out of my account each time. 
I've been able to find some older statements to prove the inaccurate charges but without ALL my statements showing payments/transactions I am unable to calculate exactly how much in inaccurate interest charges are on my balance.

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 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX - Opened XX/XX/2018 - amount of $ XXXX These were fraudulent charges placed on my report I've never had XXXX XXXX as a provider and did not give permission to use my Credit Info . The Company did nothing when notified about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX I received a letter with a debit card attached with my name on it from USAA. I am neither a veteran or a family member of a veteran, as well as this letter was sent to my parents address not my legal address. I will attach a picture of said letter as well. On the same day I called 4 different USAA customer support lines in an attempt to resolve the issue. On the fraud line I was on hold for 90 minutes of the 180 minute wait time before the call just dropped. This also happened with similar results on 2 more of the 4 customer service lines I called in an attempt to report this fraudulent account. On the XXXX of XXXX I recieved 4 more letters from USAA stating the newly opened account has been overdrawn by more then {$400.00} combined between the letters and that I am to settle this amount as soon as possible or they will close the account ( which is not mine ) and report my debit to a collection agency. This time I called a number on said letter, listed as a customer support line, I spoke with a XXXX twice and a XXXX once, both very insistent on getting my full account number ( which I don't have because I don't have an account with them ) or my full social security number ( which I refused to give over the phone ). They both ended up " transferring '' me, resulting in a 2 hour hold period ending in a dropped call at the 140 minute mark. I called the fraud line again this morning to hear there is an 8 hour wait to speak with someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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 — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I noticed an unauthorized charge on a credit card I NEVER used and I immediately called them so they sent me a new replacement card and a fraud form which I filled out and sent back a week ago. When I called today to see what was going on they said I had to pay the minimum payment until the investigation was complete which takes 60-90 days.unacceptable I said but they refused to understand my concerns.they said if u dont pay than I would be hit with late fees and missed payments on my credit report. The credit company is called Aspire. The amout was {$280.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was informed a few years ago that my information was compromised via the XXXX datat breach. They offered me a lot of free this and that but never took the accounts off.

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 2022-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Last year around XXXX I reached out to my loan processor Caliber Home Loans about a refinance on a property that I have with them. The loan processor said that it was possible and got all of the documents he needed from me. My payment at the time was {$1100.00} and I really needed it lowered. He told me that my new payment would be under {$1000.00} and that I would have a better interest rate. With all of the craziness going on in the world an extra {$180.00} per month dramatically would help me and my family out. This got even better when my payment was dropped down to {$940.00}. All of this was great and worked out perfectly, I thought. Fast forward to this year and all of a sudden, I am being told that my mortgage payment has gone from {$940.00} up to {$1400.00}! I almost had a XXXX XXXX trying to figure out what happened to my payment and what I was going to do in order to afford this. I called caliber and asked them what was going on with my payment increase. I was told that I had an escrow shortage on my mortgage because of insurance payments not being calculated correctly. The representative told me that the loan processor did not calculate my home to have windstorm. I don't understand how this could happen, especially since Caliber had done my original mortgage and can clearly see that windstorm was on there previously. The representative was baffled as well, she did her best to help me by extending the escrow shortage over 36 months. This made my payment {$1200.00}, which is more expensive than the mortgage I had before my refinance! This is ridiculous. Now my thought is that the loan processor clearly knew what he was doing and just wanted to turn through another mortgage regardless of the outcome to the customer, or windstorm is not required for my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
I receive up to 3 phone calls a day from Synchrony Bank, with no information left except to contact them back and they leave a mailing address as well. 
Then randomly it will say its regarding a XXXX XXXX tools credit card, which I do not have, nor have ever owned. 
They call as late as XXXX sometimes.

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 2022-04-05 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: TX

Complaint narrative:
Experian is consistently reporting my credit score 70 points below XXXX and XXXX. I was just rejected for a credit card with XXXX because they are saying I have a bankruptcy and my credit score is XXXX. I checked my XXXX Score and it is XXXX and my XXXX score is XXXX. I NEVER went through with a bankruptcy. When you call customer service you can not get a hold of a human. There is nobody to assist you. I want to know why my credit score is 60 points below XXXX and XXXX. These do not update my report timely and somebody needs to explain this enormous discrepancy between their reporting and XXXX and Experian. This company needs to be investigated for NO CUSTOMER SERVCICE, inaccurate reporting and calculating a credit score significantly below the US based Credit 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 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
The secured property is a condominium under management by an Association. Flood insurance is maintained on the common property by the Association 's insurance provider.. A copy of the master policy is not automatically sent to our lender, so every year the lender, U.S. Bank , requests a copy of it. Over the course of the years we have owned the property, we have mailed it to the address provided for this purpose, we have uploaded it to the website they direct and/or both. They allow 45 days for us to provide the information to avoid forced placed insurance. This year in particular, we requested the information from the insurance agent who indicated they could not provide it directly to me and instead needed to send it to U.S. Bank. Wonderful. It was sent on XXXX/XXXX/22, and per phone call today with US Bank, it has not yet been logged to our account. The represented then called the insurance agent and US Bank then gave her the ihaveinsurance website, a fax number and a mailing address to send it to - all BLACK HOLES. If this insurance certificate does not reach the appropriate person who knows how to read it ( yes, that is another issue ), then they put forced placed insurance on our account that I then have to fight to have reversed. OMG!!! How can it take more than 4 weeks for them to process this information. Plus the customer service reps I have talked to all feign ignorance as to the process and act as though there is nothing they can do about it. So my fate lies in the hands of some data entry person for which have apparently been understaffed FOR YEARS!! 
Based on past DOJ lawsuits of similar nature, it seems to me it is a deliberate and intentional way to fleece unsuspecting consumers out of a bunch of money. This happens EVERY SINGLE YEAR!! I have called them about this several times and yet the situation never improves! They know full well the importance of this to their customers, yet they treat it without any amount of caring or concern and total lack of urgency. Please make it stop. Thank 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 monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a rewards check I can't cash since it past the time limit giving to cash check {$83.00} given on XX/XX/XXXX # XXXX And also never got a tax paper for I can do my taxes on this account which was paid off in the end of XXXX of XXXX!

Company response to consumer: Closed with non-monetary relief