vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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:
In accordance with the fair credit reporting act the following XXXX companies listed below has violated my rights 1. XXXX - XXXX ( Account # XXXX ) 2. XXXX XXXX XXXX ( Account # XXXX ) 3. XXXX XXXX XXXX ( Account # XXXX ) 4. XXXX XXXX XXXX ( Account # XXXX ) 5. XXXX XXXX XXXX XXXX  ( Account # XXXX ) 6. XXXX ( Account # XXXX ) 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.

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 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a text on XX/XX/2022 saying that my card needed attention. When I called the # provided they asked for all of my personal info., SS #, mother 's maiden name. 
Phone # I was told to call was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a paying customer and my report still says XX/XX/2021. I have called and submitted several help tickets to Experian and still no response nor a solution to my problem. Last time they said they would send me an email to fix. I got the email and followed the instructions. I get the same technical error I did over 4 months ago. I decided to cancel my membership because of this.

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 2022-04-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax shows a consistent credit score of XXXX or above for me report. I have verified with Equifax directly and gone line by line on each item of my credit report and have the copy of the report. XXXX XXXX XXXX XXXX did a soft pull and shows my credit score from Equifax at XXXX, a XXXX point difference. A few months back, it also showed a XXXX despite me verifying everything directly with Equifax. Another lending institution pulled my credit and again, the lender got a XXXX but when I called to verify with Equifax, they show high XXXX 's. 

I can not get an answer from Equifax as to why multiple banks are pulling my score and they keep getting a XXXX when my score with them reflects XXXX or above. Equifax directs me to the banks. The banks direct me to Equifax. This has cost me money in higher interest rates, and I'm now being denied loan products because my score keeps coming back at XXXX. 

Confirmation # provided Equifax : XXXX Credit Report Identifier provided by XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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.

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 2022-04-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
My mortgage lender or processor is US Bank Home Mortgage. I live in the XXXX of Massachusetts. I routinely pay more than is due every month because I am trying to eliminate my mortgage debt before I retire. I will be XXXX in XXXX. I have the mortgage statement that I received on XXXX XXXX. It shows that the principal due is {$1600.00}, the interest due is {$270.00} and the escrow due is {$1100.00} for local taxes and insurance. The statement shows that the outstanding principal balance is {$82000.00} and the interest rate on the fixed rate mortgage is 3.95 %. I looked at the way that my last payment of {$11000.00} was applied. The payment was for the month of XXXX and my check was received on XXXX XXXX by US Bank. The XXXX XXXX statement shows that {$580.00} was paid in interest for XXXX. There has never been any delinquency. If we owe {$270.00} in interest in XXXX, why did we pay {$580.00} in XXXX? If I take the outstanding principal balance and multiply it by 3.95 % and divide by XXXX the amount is {$270.00}, the amount on the XXXX statement. How could it have been {$580.00} in XXXX? The statement shows that the bank collected {$290.00} for XXXX and {$290.00} for XXXX. Those months had not occurred yet on XXXX XXXX. Interest is the amount I owe for borrowing the principal amount for a given period, one month. How could I owe interest for months that had not happened? How could the bank know what the principal balance would be in XXXX when I had not made my XXXX payment yet? It is my intention to pay {$15000.00}. If the amount is not interest, what is it? I understand that the XXXX does not allow pre-payment penalties. Is this a pre-payment penalty? When I discussed this matter with the bank, their response made no sense to me. I want the bank to collect the interest that it is due for the money that I have borrowed for time periods that have actually occurred. The rest has to be applied to principal. I feel that I have been cheated. I believe that the tax form that was sent to me for last year by the bank showing my interest deduction was not accurate. The interest owed is only 3.95 % of the weighted average outstanding principal.

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 2022-04-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Accounts : XXXX XXXX XXXX number XXXX XXXX XXXX-Account XXXX XXXX XXXX, XXXX.-Account number XXXX XXXX XXXX XXXX-Account number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXX XXXX  NA XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MO

Complaint narrative:
I sent a dispute letter to all XXXX credit bureaus telling them that specific hard inquiries were not authorized and should be deleted. It has been over 30 days and I have not heard anything back and the items haven't been deleted

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 2022-04-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I sent a dispute letter to all XXXX credit bureaus telling them that specific hard inquiries were not authorized and should be deleted. It has been over 30 days and I have not heard anything back and the items haven't been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XXXX separate occasions my Wells Fargo XXXX account was hacked and I am requesting my money back for a total is {$2600.00}. 
These were not approved and I want my fund returned to my account.

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 2022-04-19 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: FL

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 Account # XXXX has violated my rights. 

XXXX XXXX XXXX Account # 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 2022-04-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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.

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 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
During past week, I was mailed a letter informing me that a certificate of ownership was needed in order to maintain the account... .this account has been in force since XXXX. 
We have never been asked for a certificate, although I was actually discussing this account with bank managers as late as XX/XX/XXXX. This letter was so urgent that my account was scheduled to be locked on XX/XX/XXXX -- -- the same day i received a very non descript letter from us bank -- -- ( i think if i had a customer with a {$360000.00} acct, I would send them a registered letter to indicate this urgent situation ). XXXX, i was on the phone with a XXXX XXXX who informed me i need to complete the certification form and sent to his e mail He would then expedite the info to have the acct opened. By this time I am begging him to allow my payroll to go through In 30 years of business, I have never had a paycheck bounce. It is very demeaning and humiliating to have staff bring me a bad check. XXXX later stated the form was wrong because I Iisted a person who is not an owner Although this is my account -- -i can list who I want! I corrected the errors and removed the extra name. I was told by XXXX XXXX that the form looks good and was to be expedited for reopening the acct. She later found something wrong, I corrected, and talked to XXXX XXXX  who swore he had done his due diligence and the form would be expedited to team who would open the account On Monday, the XXXX, I called to verify the release, as I am still getting calls about checks not clearing. i was told by XXXX XXXX that I didnt send the back of the form although I have e mails indicating that i sent complete form There was a issue that i did not write, XXXX XXXX XXXX Mo XXXX in a small area that asks for STREET ADDRESS. Just above that address, i had written the complete address including zip So what we have is a bunch of nit picking when my paychecks are bouncing. Furthermore, this account has been active since 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 2022-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Loan was in forbearance starting XX/XX/XXXX. On XX/XX/XXXX, forbearance term was extended to XX/XX/XXXX. Attached is documentation. Per the Cares Act, no late fee shall be charged while a loan is in pandemic forbearance, yet a late fee in amount {$130.00} was charged on XX/XX/XXXX, to loan no. 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 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIFIRST FINANCIAL, INC.
State: OH

Complaint narrative:
I went through XXXX  Amerifirst financial mortgage with a lender XXXX XXXX. I decided to go to another lender. He called my cousin who is a real esate agent to tell him I went elsewhere and gave him the info of who I went went with. This is unethnical and my information should of not been told to anyone. This also has caused a huge rift in my family by his actions. 

I then reached out to the company XXXX financial mortgage based out of Arizona and am no longer receiving calls back from this man named XXXX at XXXX that is in the complaint department. 
I am not being heard and its against the law to give out information on a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have been fighting reliacard now for 2 years to get my funds that were sent to me from child support. I have contacted the state and my worker who has sent the requested info for the deposit made to the reliacard company but we're never credited to my card.. 8 transactions in XXXX and XXXX totaling {$1200.00} The child support agency has sent the 8 payments I have been XXXX  since XXXX and this should have helped prevent that. I will be getting a lawyer after this and sue for damages and hardships if tho is not resolved

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 2022-04-19 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : XXXX, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hello, XXXX Claim # XXXX. Wellfargo assitance center. 


I have someone was used my ATM card in last month XX/XX/2022 ( two time as same day ) total amount {$6700.00}. I was call wellfargo and talk with them about what happend to my cheking. they tell me go to branch to report. I did go to branch and report to banker. two week late I have letter from well fargo and claim #. A letter was say I am authozized to someone to use my ATM card and my personal pin. The claim is closed. 
I did call wellfago back to asking what happend. they tell me claim is claim is closed. if I want to reopen? then I was receiver a second letter from wellfargo and had same subject is claim is closed, because I am authorized to someone to used my ATM Card and personal pin. I have a few question how that happend, but they dont anwer my question, as sample : 1. how Max limit for ATM card can use a day. 
2. who are person can set limit for each card. 
3. How can I use my card in NY as same time, same day in company. 

Please, help me to solve a problem. My Email : XXXX Thank You 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 monetary relief
Consumer complaint received 2022-04-19 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: FL

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 Account # XXXX has violated my rights. 

XXXX XXXX XXXX Account # 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 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a summons from Midland Credit Management Inc. and provided answers to the court. I also sent certified letter to the XXXX attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, ) for " Request For Production. '' They did not respond. Although I have proof the letter was signed & received by their office on XX/XX/XXXX. They also failed to show up to court on XX/XX/XXXX. The next hearing has been rescheduled for XX/XX/XXXX. My lawyer and I are prepared to file suit against Midland Credit Management for fraudulent debt collection if they can not properly validate the debt or dismiss the lawsuit before the next court date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: GA

Complaint narrative:
Experian is not accurate with they information u can never get one otp to help they score is way different from the other two credit company they refuse to delete secondary company but got original one deleted they moving to slow and what they doin is illegal and I did not ask to share my info which is illegal not with my consent

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