vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against my mortgage company for violating the Real Estate Settlement Procedures Act ( RESPA ) and the Consumer Financial Protection Bureau ( CFPB ) consumer laws and regulations. I recently refinanced my mortgage with this company, and I have experienced several issues with their services.

The main issue is that the mortgage company did not pay off my 12-month investment loan by the maturity date of XX/XX/XXXX, as stipulated in the loan agreement. As a result, the investment loan accrued daily interest from XX/XX/XXXX to XX/XX/XXXX, totaling {$6000.00}. This interest was not my responsibility to pay, as it was a direct result of the mortgage company 's failure to pay off the loan on time. 

The mortgage company closed on the refinance on XX/XX/XXXX, which was after the maturity date of the investment loan. Despite this, they did not pay off the investment loan until XX/XX/XXXX, and they did not inform me of this delay until after the fact. They then attempted to charge me for the interest that accrued during this time, which is a clear violation of the CFPB consumer laws and regulations and RESPA. 

I believe that this behavior by the mortgage company is unacceptable and violates my rights as a consumer. I respectfully request that the CFPB investigate this matter and take appropriate action to hold the mortgage company accountable for its actions. I also request that the mortgage company be required to pay any fees or penalties that may be incurred as a result of this violation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: NY

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, XXXX # XXXX, US DEPT ED # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 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: NY

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, XXXX # XXXX, US DEPT ED # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: MS

Complaint narrative:
In accordance with wFair 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a late 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 2023-03-12 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NE

Complaint narrative:
Chime card as stolen my money. I have been trying to get my refund that was sent back to the card on XX/XX/2022 from my cash app but chime is refusing g to give it back to me. I have sent them all my documentation that I got from XXXX XXXX showing they sent them my refund and still nothing. I have lost a lot from this and was late on car payments. Please can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: MS

Complaint narrative:
In accordance with wFair 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a late 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 2023-03-12 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: WI

Complaint narrative:
I sent the credit Bureau XXXX TRANSUNION ) on XX/XX//23 letters asking them them to verify the fraudulent items on my report. I've also sent in FTC Report and Each time they update the file stating that everything is verified correctly. My credit report are still showing inaccuracies.15 U.S.C 1681s-2 ( A ) ( 1 ) ( B ) 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is Inaccurate ; and ( II ) the information is, in fact, inaccurate. 
Accounts/Inquiries are below. TRANSUNION is the only CRA reporting this! 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX 2.XXXX 3.XXXXXXXX 4.XXXXXXXX 5.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 non-monetary relief
Consumer complaint received 2023-03-12 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have sent multiple certified written letters to Santander Consumer USA asking for the removal of a 7+ year old auto loan that is being reflected as negative information on my report. They have refused to do so. As I am aware that consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years. I am submitting this claim in an attempt to have them fix this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: TX

Complaint narrative:
I have sent multiple certified written letters to XXXX XXXX XXXX asking for the removal of a 7+ year old auto loan that is being reflected as negative information on my report. They have refused to do so. As I am aware that consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years. I am submitting this claim in an attempt to have them fix this issue. 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 non-monetary relief
Consumer complaint received 2023-03-12 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: TX

Complaint narrative:
I have sent multiple certified written letters to XXXX XXXX XXXX asking for the removal of a 7+ year old auto loan that is being reflected as negative information on my report. They have refused to do so. As I am aware that consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years. I am submitting this claim in an attempt to have them fix this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: TX

Complaint narrative:
I have sent multiple certified written letters to XXXX XXXX XXXX asking for the removal of a 7+ year old auto loan that is being reflected as negative information on my report. They have refused to do so. As I am aware that consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years. I am submitting this claim in an attempt to have them fix this issue. 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 non-monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XXXX XXXX 2023, I received a text message saying that the phone number on my account was changed to a different number. I also received an email. 
I tried logging into my Chime account but the app wouldn't let me, neither would the online website. 
I then called Chime and after waiting for about 25mins, I was able to talk to someone about changing the number back to my real phone number and accessing my account. 
When I finally accessed my account, I found out that someone had taking all the money out of my account, and left me with just pennies. They had taken {$2400.00}. They had transferred the {$2200.00} out of my savings account, added it to the money in my checking and then send the money to a name that I had never heard of. 

I asked the representative how this was possible. I made it clear to them that I didn't authorize the charge, I didn't know the person, and I didn't even know how it was possible that the person was able to take all my money in minutes. 

I pointed out to the representative that for as long as I have had my account, I had never sent money to a single person. I used my account to get my direct deposit from my job ( XXXX ) From there, all my funds are distributed to three other external accounts ; XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX. Those are other corporations, not singular people, and it has been that way for as long as I can remember. 

From my experience, distributing the funds as described above usually took about 1 to 2 business days to processs, so I definitely couldn't understand how or why this person was able to take my money in minutes. I asked that since they had the persons Username and information, why couldn't they just freeze the transaction, and they said they had no authority to do that, which left me even more confused. They have the account the money was sent too and they couldn't do anything? not even report the person so the person couldn't keep doing this? 

After being transferred about two times, they opened a case. I am still waiting for my money to be refunded. I am also waiting to understand why it was so easy for someone to access my account and take all my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I did not authorize or consent to this account being opened. I have no knowledge of this account nor did I use it for myself. I did not approve any charges or apply to it being opened. I have asked to have it removed as fraud and for all derogatory comments and remarks to be removed. I have not had success trying to get this resolved or removed. It is ruining my credit. Please remove account and all related negative reporting from all credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 XXXX XXXX XXXX : # XXXX XXXXXXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN : # XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I opened a PayPal account about two months ago, since then I have been able to only complete two transactions and even that was difficult. I have verified my identity and banking information, I have a verified email and phone number, no history of fraud in general or with the company. Every transaction I try to complete is Denied. They blame the banks for this and act like they play no role in it, but all my accounts linked to PayPal give an alert for a declined transaction and never once have I gotten one and the banks dont even see an attempted charge! First for me to send money or make a payment it wants to send me a code to verify my identity. Shouldnt be an issue Since I have a verified number on my account. Well that number doesnt show up as an option and when i enter it to add it it says this type of number can not be used! Its a XXXX  post paid phone number in my name! Someone was able to send me money but it was denied by PayPal when I tried to transfer it out! It wouldnt allow me to refund it out because it wanted to send me a code to my verified number that they struggle to figure out. I was forced to send the money as a bill payment to XXXX just to get it out of PayPal because I do not trust to have any funds held in their control. Ive Been blocked from being able to utilize almost all the services they offer. When I call In its a different story every time, the most common story is their security systems blocked it. Well i have a right to know if there is a security issue with any of my personal information. In fact they are obligated by the patriot act to inform me of any negative information that leads to a denial in hopes to catch if money laundering is taking place. They offer no remedy and the people you get on chat or the phones are a special breed of their own

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am requesting a late payment forgiveness as a courtesy to help my credit. Outside of the 2 missed payments, I have perfect payment history. I was XXXX XXXX XXXX XXXX XXXXXXXX during the missed payments XX/XX/2020 and XX/XX/2020. This applies to my capital one platinum card as well as my capital one wal-mart card .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a car to XXXX XXXX in XXXX, California and Lobel, financial finance the loan and XXXX XXXX use my {$2500.00} down payment to pay off their fraud fees to the California DMV and then I have to turn around and pay {$260.00} to the DMV to get a full years registration, which was included in my loan agreement XXXX XXXX lied to Lobel financial about the state of the car and Ive had to pay thousands of dollars to repair it and Lobel financial refuses to put me in a new car or cancel the loan on this one and get me a new one or either way the loan costs more then the car and I want the loan forgiven since I have had to make all these extra repairs and and loan now costs more then the car and I want to be compensated for the fraud that XXXX XXXX and Lobel committed in order to keep me in this car. I only got this car five months ago and I had to pay more and repairs and fraud fees because of Lobel and XXXX XXXX in the car is worth, so I think i should own it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief