vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
had 2 loans with wells fargo in XXXX, they had me make payments XXXX XXXX - then they said they never received the payments. they started foreclosure on my home and I secured a lawyer. eventually they said they would refinance with another company and I could start making payments again. which I did for several years and then wanted to refinance my loan and paid a appraisal fee just to find out some other company real time solutions has a interest or deed on my home so i couldn't refinance. Real time solutions wouldnt work with me to finance it all into one loan. they wanted me to pay a new balance which was like XXXX loan started at XXXX so now real time solutions bought my 2 nd mortgage for pennies on the dollar and is just waiting till I build enough value in home to take over my home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
5. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told the XXXX, Transunion, and XXXX to reinvestigate the accounts above. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
5. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told the XXXX, XXXX, and Equifax to reinvestigate the accounts above. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this 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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have checking & savings accounts with Bank of the West. Bank of the West has been merged with a XXXX entity called XXXX. As of XX/XX/XXXX. XXXX, I have been unable to access my accounts online. I tried several times to go through their online process, complete their forms & provide required information. It didn't work. I keep getting error messages. 

The Customer Service telephone number is fully automated. It requires a " Telephone Banking Password. '' There is no way to get this password because I can't penetrate their systems. I am locked out of my bank accounts & can't get in touch with a human to help untangle this mess. 

There is no " contact us '' email possibility on their website. 

I can't use my debit card, access ATM funds, pay bills, buy food, etc. I need money to survive. What can I do?? 
XXXX has my contact info, my email address, my telephone number, etc. I have NO WAY to contact them directly to resolve this problem.

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 2023-09-07 00:00:00
Product: Credit reporting 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: RI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my deep concerns and frustration regarding the recent investigation I conducted on my credit report. The findings of this investigation have not only caused me severe emotional distress but have also uncovered several unverifiable, invalidated, inaccurate, and questionable items. I believe it is essential for your agency to ensure that all information reported on my credit report is 100 % accurate, in accordance with the Fair Credit Reporting Act. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is clear that credit reporting agencies are obligated to maintain the utmost accuracy when reporting consumer information. Unfortunately, these accounts that I have identified are in clear violation of these statutory requirements as they are not reporting information that is 100 % accurate. 

I would like to bring to your attention that the credit reporting agencies have acknowledged these discrepancies in my credit report. However, their response and action taken thus far have been insufficient, and these inaccuracies continue to affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and ensure that the necessary corrective actions are taken promptly. It is of utmost importance that my credit report accurately reflects my financial history, as these inaccuracies have significant implications for my financial future. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this issue and appreciate your dedication to upholding the integrity of credit reporting in accordance with federal law.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my deep concerns and frustration regarding the recent investigation I conducted on my credit report. The findings of this investigation have not only caused me severe emotional distress but have also uncovered several unverifiable, invalidated, inaccurate, and questionable items. I believe it is essential for your agency to ensure that all information reported on my credit report is 100 % accurate, in accordance with the Fair Credit Reporting Act. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is clear that credit reporting agencies are obligated to maintain the utmost accuracy when reporting consumer information. Unfortunately, these accounts that I have identified are in clear violation of these statutory requirements as they are not reporting information that is 100 % accurate. 

I would like to bring to your attention that the credit reporting agencies have acknowledged these discrepancies in my credit report. However, their response and action taken thus far have been insufficient, and these inaccuracies continue to affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and ensure that the necessary corrective actions are taken promptly. It is of utmost importance that my credit report accurately reflects my financial history, as these inaccuracies have significant implications for my financial future. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this issue and appreciate your dedication to upholding the integrity of credit reporting in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unauthorized Inquiry from : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Unauthorized Inquiry from : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am accusing US Bank customer XXXX XXXX XXXX being involved with fraud. US Bank has done nothing except give me the run around every time I call to try and get my money back. This money will fraudulently transferred to XXXX and I want all of it back. US Bank has done nothing to resolve my issue and hiding behind the fact I am not their customer when they can clearly see the transactions took place and I have provided them all the evidence showing them that their customer is involved with fraud. Now the government knows you will do nothing when someone has proof of your customer engaging in fraud. I am asking you ( US Bank ) to do the right thing and return all the money your customer was involved in stealing from me. 

I am writing to file a formal complaint regarding 5 fraudulent and unauthorized transfers from my bank account to US Bank account holder XXXX XXXX XXXX. These fraudulent transfers totaled {$150000.00}. All 5 fraudulent transactions were sent to XXXX XXXX XXXX account at US Bank ( Routing # XXXX Acct # XXXX ) and occurred on : XX/XX/2021 - {$18000.00} XX/XX/2021 - {$18000.00} XX/XX/2021 - {$56000.00} XXXX {$50000.00} XX/XX/2021 {$15000.00} This unauthorized and fraudulent activity has created a massive financial hardship and distress to both my family and myself. Enclosed in this complaint is a copy of the XXXX Report, FBI Report, XXXX Police Report, & the FTC Report which verify my claims. I am requesting a full refund plus applicable interest from US Bank due to this fraud. Names and account numbers will be furnished upon request. All of these transactions were unauthorized by XXXX XXXX. The transactions are as follows : XX/XX/2021 - {$18000.00} From XXXX XXXX # XXXX to US Bank # XXXX XX/XX/2021 - {$18000.00} From XXXX XXXX # XXXX to US Bank # XXXX XX/XX/2021 - {$56000.00} From XXXX XXXX # XXXX to US Bank # XXXX XXXX {$50000.00} From XXXX XXXX XXXX XXXX to US Bank XXXX XXXX XX/XX/2021 {$15000.00} From XXXX XXXX XXXX XXXX to US Bank XXXX XXXX Supporting documentation for each transaction to US Bank can be provided upon request. Again, I am requesting all money be returned to me plus interest due to fraud.

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 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
I filed a complaint ( XXXX on XX/XX/XXXX ) because my servicer never sent over my XX/XX/XXXX payments to department of treasury when I asked for a refund. They agreed that I would not be responsible for those payments and to credit my account {$4200.00} by XX/XX/XXXX ( they said they needed 30 days ). 
On Monday, XX/XX/XXXX and reached out them because they never credited me. The representative I spoke to, told me they actually needed XXXX business days to credit the amount. I said that is fine, but what would happen to the interest that would accrue in the mean time, she assured me I would not be responsible for the interest, since I didn't owe the money. I followed up today, XX/XX/XXXX just to make sure they were on track to zero out my balance by the XX/XX/XXXX - the XXXX business day. I was told that they would put in a request and it would be reviewed in XXXX business days. It takes several hours to get someone on the phone, and I get a different date or response everytime. I had a balance of {$4200.00} before the XX/XX/XXXX. They didn't credit my account for the balance, and now have started adding interest. I want my account balance to be 0, as promised. They continue to miss deadlines and I fear they will try to charge me interest on money I never received and that should have been credited before the interest started again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I believe my ex-wife use my identity to take out a loan for {$5100.00} against our old house. I was not there when this was done she mustve signed my name and I do not owe this debt. Her name is XXXX XXXX XXXX that who owes the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I sent letters to Experian and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the accounts on XX/XX/2023. Experian and XXXX sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian or XXXX doesn't have any files to verify this account, nor will they delete it.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received a response from Comenity Bank XXXX regarding CFPB Complaint # XXXX their letter appears under this complaint thread. 
They mention they committed no FRAUD when they violated my right to privacy when they failed to give me NOTICE that I have a right to opt out or opt into credit reporting and proceeded to illegally transport my NON PUBLIC PERSONAL INFORMATION without my consent or some form of instructions from me. They are using the word FRAUD to describe the situation. They seem to ignore the fact that my dispute is based solely upon their reporting this tradeline in the first place without giving me NOTICE or getting my permission, and now they refuse to remove the charge off information that they report The letter is dated XX/XX/2023. I suggest they read Title 15 USC 6802 The Gramm Leach Billey Act that they KNOW or should have KNOWN that they are violating and that their letter is proof that they do not care about the privacy of federally protected consumers like myself. 
This is a violation of my privacy and they failed to in anyway address the fact that I am disputing because they are the source reporting this charge off because I received no notice regarding my right to opt out or opt into credit reporting and gave them no PERMISSION to report this alledged tradeline in the first place. I plead with the CFPB to investigate your company if you don't remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT ; THOSE LISTED ACCOUNTS AREN'T MINE. Please block that information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dispute that account multiple times with TransUnion because that account been close since XXXX XXXX XXXX XXXX every time TransUnion came back saying the account is accurate and verified but when I checked on the original creator account that I have it showing that its a closed 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 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I met this guy on XXXX that was a mobile body shop. I sent him a picture of the dents in my car and he said that he could remove them. He came to my home and placed some pink paste on the dents. He told me that I couldnt remove the paste for 48 hours. He wanted payment prior to the paste being removed. Once I removed the paste, I realized the dents were still there. I contacted him and explained and he said he would come the following week but I told him I was in the process of selling my car and wanted a refund and was willing to accept a partial refund. He stopped responding to my messages and eventually blocked me. I reached out to cashapp and sent screenshots of our text and photos of my car so that I could receive a refund. Cashapp is saying they cant refund me due to payment being completed after I explained to them that I was scammed.

Company response to consumer: Closed with explanation