vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am sending this notice on XXXX XXXX to let it be known that I feel my authority and confidence in the credit reporting business is and has been undermined through means of unfair and deceptive practices. I've been viewing my consumer report and its relationship between XXXX XXXX : XXXX, TransUnion and XXXX. I reviewed my credit report and saw that you guys still furnished the same information that I disputed upon request for proof of the information being violated on XXXX XXXX when I sent a complaint to the Consumer Financial Protection Bureau ( CFPB ) and also to TransUnion and XXXX. via certified in regard to the inaccurate information and how TransUnion and XXXX did not do a proper Investigative Consumer report. I do not recall that TransUnion and XXXX. haven't sent out any further communication with me as the consumer in regard to an investigation consumer report. Since TransUnion and XXXX. haven't verified the information stating how they came up with the conclusion that the information was accurate there's been numerous financial intuitions stating that I am not credit worthy as a consumer for an extension of credit due the fact that there is information on my consumer report that's negatively impacting my credit standing.

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 2023-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: IN

Complaint narrative:
I have had multiple issues with Selene Finance but the following is only a complaint regarding the escrow account. I had to file for XXXX XXXX XXXX  XX/XX/XXXX after taking over the property from my ex wife. This XXXX  was XXXX the end of XX/XX/XXXX. In XX/XX/XXXX we received an escrow analysis stating there was a surplus of over {$7000.00} but I would not receive the funds due to being in active XXXX. The official cure document filed in XXXX  court on XX/XX/XXXX stated there was a surplus of over {$5000.00}. I received another document in XX/XX/XXXX stating that I had a shortage of over {$2800.00} and that my payment would be going up to cover the shortage starting XX/XX/XXXX from the regular payment of {$870.00} to {$1000.00}. My wife and I immediately started calling to resolve this issue as there was never a check sent to me nor applied to the loan account. The representatives state they escalate this information to the XXXX  and escrow departments but no one ever calls back. We have spoken to supervisors and customer care advocates and their answers are always the same " we see what you are talking about we are still researching this ''. We were told that this would be completed by XX/XX/XXXX but now the date changed again to XX/XX/XXXX as well as " we can not commit to a date '' but I still must pay the additional difference in the meantime. We have emailed their customer care team that we disputed the shortage. No one seems to know where the money has gone. 
From the time of the surplus in XXXX to the shortage in XXXX, only two transactions took place- {$580.00} in XX/XX/XXXX to pay for the property taxes and {$1400.00} in XX/XX/XXXX to cover homeowners insurance for the year. There are suspicious entries on the escrow analysis they provided where it shows a negative transaction of {$17000.00} and a positive entry of {$11000.00}. This has not been addressed although we continue to bring it up with every conversation we have had. I have also included mortgage statements where it varies month to month what is owed. At XXXX point we go from owing the regular payment in XX/XX/XXXX to owing {$21000.00} in XX/XX/XXXX. 

Please advise the next steps as we have had to go so far as to contacting the XXXX  to get a simple payment history, but the information we requested was not provided fully. We asked for XXXX to current and was only provided from XXXX. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I have been in touch with Carrington mortgage company several times this month ( XX/XX/2023 ) I called on the 7 to make a payment and they refused to collect a payment, I called again to make another and they refused to take payment. The company stated they want a full payment or nothing at all. I could not come up with XXXX on the spot, I can make a regular payment several times this month to fix the late payments enough times to get me caught up. So I collected the money up to pay the XXXX at once I called today ( XX/XX/2023 ) carrington refused my payment again and stated that they will only accept through XXXX XXXX or XXXX XXXX. This makes me really uneasy because unlike XXXX XXXX or XXXX XXXX I can track when the money is taken out of my account who it went to at what time. So now Im forced to do it through these companies because they are certified and they trust these funds over my actual bank account. XXXX the first rep try explaining why its better but I failed to understand how it is better, then the supervisor named XXXX was very very insist on just XXXX XXXX  or XXXX XXXX. They applied a balance that I have that is XXXX so the full payment will be XXXX. I have had two mortgage companies prior to this company and was never told I HAD to use certified funds to make a payment let alone be denied ever in making any payment when behind. Im conflicted on sending it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Never applied for no old navy charge card in XXXX to XXXX. This on my credit report and needs to be remove immediately. Account # is XXXX on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Ive reached out to Chex System in regards to a paid debt XXXX XXXX XXXX and dispute because it was showing incorrect information. I sent in documents and communicated. Now company is saying the will no longer take any dispute from me and should be against the law to keep inaccurate information on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: TX

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I don't think the credit bureaus are taking it seriously and just giving me the run around without following the laws.

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 2023-01-23 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: TX

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I don't think the credit bureaus are taking it seriously and just giving me the run around without following the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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 XXXX  account with 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 an 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 2023-01-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account with 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
in the first to second week of XX/XX/XXXX I filed reports with XXXX XXXX that issued the card as well as my own bank XXXX XXXX XXXX  and XXXX credit bureau about fraud or potential identity theft to obtain a credit card using my personal information. as of XX/XX/XXXX my disputes are still under investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 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: GA

Complaint narrative:
An account from XXXX XXXXXXXX XXXX reported on my credit report without my knowledge from the credit bureaus. This ground for removal they also violated my rights under 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 2023-01-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: OH

Complaint narrative:
This is a follow up and documentation of the XXXX  Card company contending to harass me by sending me by XXXX XXXX XXXX  of their policies on interest rates and et al. This is not about any of that information! This is about the voice message of {$600.00} clearly shown owed to me clear and simple! They have admitted the money is mine in an earlier letter sent through this method and then lied that I spent it in following purchases! But that's a lie! All they had to do was do simple addition and subtraction on the statement I attached at the beginning! That statement shows the purchases at that time! 

They think because a little person that they can harass me as they been doing with their multiple mailers all saying the same thing! When in fact I only want what is mine that I worked hard to earn legally and honestly! But I wonder if they really understand that! 

" Their '' voice message attached is clear that they owe me {$600.00}. The attached statement is clear showing the purchases at that time! I don't see why they refuse to honor the truth and give me my money! Please deposit it in my XXXX checking account! But please add daily interest and punitive damages! 

I'm asking the " pfpb '' to instruct the card company to communicate using this method to obtain trailers and paper trails for legal action against them, similar to the class action case against XXXX XXXX! In which I ask the XXXX  to ask The card company for a XXXX  to see how many others are effected to stop the methos of theft! 

It's a shame it had to go this far!

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NY

Complaint narrative:
So I have recently opened a Chime account a few weeks ago, and everything was totally fine. I connected my direct deposit, and everything I needed for my money to go through. I wanted to open a savings account as well, and this is where the problem started. Chime had told me the information I gave them ( which was my SSN ) was incorrect, and that I needed to contact Chime support. I instantly went to chat with support, and they told me there was a problem identifying who I was, so they needed a picture of my ID, and SSN. I responded to them no problem and sent everything they requested. This morning, I went to login to my account only to see that it was locked, and I needed to once again contact them, but through email this time. At this point I'm getting fed up, so I call them directly, and I get connected to a representative. They tell me I need to give them a picture of ID, SSN, and a utility bill for proof of residence. I have already gave them my personal information once, I don't understand why they need it again, and I am never comfortable giving my personal information away, especially my SSN to a company more than once, as others would probably agree. I told them I have already done that and asked why they needed my information again, they would dodge the question and just repeat the same thing of " well, in order to unlock your account we need your identification. '' Not only was the representative unhelpful, they were also laughing as they were repeating the same thing over and over again. so about XXXX is stuck in the chime account that I have no access over. This is massively aggravating as I have bills to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: The CMI Group, Inc.
State: TN

Complaint narrative:
This collection agency Violated my consumer rights : 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : XXXX XXXX XXXX Account Number : XXXX Date open : XXXX XXXX Account Type : Collection Status : Paid, was a collection account, insurance claim or government claim was terminated for default. 

Status Update : XXXX Original Creditor : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: HI

Complaint narrative:
Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am sending this notice on XXXX XXXX to let it be known that I feel my authority and confidence in the credit reporting business is and has been undermined through means of unfair and deceptive practices. I've been viewing my consumer report and its relationship between XXXX XXXX : XXXX, XXXX and Equifax. I reviewed my credit report and saw that you guys still furnished the same information that I disputed upon request for proof of the information being violated on XXXX XXXX when I sent a complaint to the Consumer Financial Protection Bureau ( CFPB ) and also to XXXX and Equifax. via certified in regard to the inaccurate information and how XXXX and Equifax did not do a proper Investigative Consumer report. I do not recall that XXXX and Equifax. haven't sent out any further communication with me as the consumer in regard to an investigation consumer report. Since XXXX and Equifax. haven't verified the information stating how they came up with the conclusion that the information was accurate there's been numerous financial intuitions stating that I am not credit worthy as a consumer for an extension of credit due the fact that there is information on my consumer report that's negatively impacting my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: NV

Complaint narrative:
XXXX atm fees when I used a Wells Fargo atm XXXX was notified regarding data breach had to change my debt card XXXX Overdraft fees when I had money in 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 non-monetary relief
Consumer complaint received 2023-01-23 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: IL

Complaint narrative:
Hi I have tried to fix this false reporting with Transunion last month and they didn't update the inquiries I had. I need these inquiries being reported to be removed, they are unauthorized. I have attached the letter I sent to them and they have no proof of this error they are reporting. This is dramatically effected my life and has me getting denied for cars and apartments. I am now homeless and carless because of these unauthorized inquires.

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