vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Middle class tax refund card was stolen in the mail. Requested replacement. Replacement was sent. Set it up, and noticed that balance was only XXXX . Clearly the money was stolen. Unable to contact company. Company does not have an adequate fraud line. Attempted to call over 10 times. There is no customer service agents who answer.

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 2023-04-07 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: NCD Financial, LLC
State: NY

Complaint narrative:
I am a consumer pursuant to 12 CFR 1022.3 ( f ), 15 U.S. Code 1681a ( c ) NCD FINANCIAL LLC Identity theft 12 CFR 1022.3 ( h ) using my identifying information without authority ____________________________________________________________________________ i do understand NCD FINANCIAL LLC thinks they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a of the FCRA, My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 15 U.S. Code 1681a ( d ) ( 1 ) ( A ) making Creditor NCD FINANCIAL LLC a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 15 U.S. Code 1681g ( f ) ( XXXX ) ( A ) ( i

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: DISCOVER BANK
State: OH

Complaint narrative:
I recently check my credit report and found out there is charge off from XXXX XXXX, Discover Bank and XXXX XXXX. I never opened these accounts, it looks like someone used my informations to open these accounts. 
Please remove these items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I CHECKED MY CREDIT REPORT AN THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

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 2023-04-07 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX and I have a mortgage with select portfolio services since XX/XX/16 and have Never Had Any late Payments, currently Ive been paying $ XXXX {$400.00} weekly and currently my mortgage is not due until XXXX, my mortgage is currently {$990.00} Until I received a call from select portfolio escalation escrow stating that there computer did not direct the proper amount towards escrow causing a {$3000.00} deficiency, I could lose my home. I am XXXX XXXX XXXX on a fixed income and I should not be made to suffer because of there computer. XXXX XXXX offered NO RESOLUTION that would make me whole again instead of cause me a Hardship!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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:
EXPERIAN has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EXPERIAN failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q

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 2023-04-07 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: OH

Complaint narrative:
My name is XXXX XXXX and I recently checked my credit report, then found out there is credit cards charged off from XXXX, XXXX XXXX and XXXX XXXX under my name. It looks like someone else used my informations to open these accounts. As I NEVER opened these accounts. Please remove them from my 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 non-monetary relief
Consumer complaint received 2023-04-07 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: OH

Complaint narrative:
My name is XXXX XXXX and I recently checked my credit report, then found out there is credit cards charged off from XXXX, XXXX XXXX and XXXX XXXX under my name. It looks like someone else used my informations to open these accounts. As I NEVER opened these accounts. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: OH

Complaint narrative:
My name is XXXX XXXX and I recently checked my credit report, then found out there is credit cards charged off from XXXX, XXXX XXXX and XXXX XXXX under my name. It looks like someone else used my informations to open these accounts. As I NEVER opened these accounts. Please remove them from my 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 2023-04-07 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 and 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 an account without my written instructions transunion interactive XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 we got a text asking for authorizing of purchase we supposedly did on {$10000.00}. We ( my wife and I ) replied No, we did not buy anything from a shop at XXXX, XXXX XXXX, CA. To make sure that they got the message, I called them same day and reported a fraud, talked with Wells Fargo rep XXXX. In 3 business days, I found that this charge is added onto my account despite the text " No '' and called to warn them same day. I opened a dispute and called again and again I was assured that it will be resolved and removed from my account. Three days later nothing was done and I called one more time to Wells Fargo and talked with a manager XXXX, again I was assured that the charge will be removed and investigation had started. Within two days I received a letter from the Wells Fargo, what stated that if I would not call them, they will drop the dispute. I called them again on provided ph XXXX, talked to XXXX XXXX and he assured me that they are doing investigation and will remove the charge soon. As of XX/XX/2023 ( close of the month on the CC account, the charge is there and nothing changed. 
We have 2 more credit cards and never had anything like this before, despite the fact that wrong charges or not delivered goods happened there also and it was corrected within 2 business days. Please help, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I transfered my checking and savings accounts to Capital One about two years ago. I have noticed that they seem to continuously recalculate the interest they pay on checking accounts in order to lower the amount paid for maintaining a checking account. For me, since I only keep a minimal ongoing checking account balance of $ XXXX {$1000.00} after paying/preparing to pay bills, it hardly amounts to any monthly interest ( around XXXX cents/month ). Yet Capital One will inexplicably adjust the amount downwards with no explanation. When I called Capital One, a supervisor told me the interest rate gets calculated depending on an order of transactions. So they deduct any pending amounts -- even if it's for the next month -- to give customers the lowest possible interest payment possible, even if it means retroactive adjustments. While it's a mere pennies for me, this seems like a pretty shady financial practice and, when spread across many customers, seems like a potentially considerable advantage for the bank at the expense of consumers. I am actively looking to change banks after a really eye-opening and disappointing conversation with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, I refinanced my USDA loan with Mr. Cooper/Nationstar. I didn't realize at the time, but Mr. Cooper failed to add my PMI payments to the final closing disclosures my husband and I signed. As a result, the payments were never added to my monthly mortgage payments and thus never paid to the USDA. In XXXX XXXX XXXX Mr. Cooper must have been alerted by the USDA that they had not received their annual PMI payments so Mr. Cooper withdrew the entire amount of {$770.00} from my escrow account to pay the USDA. They then did an escrow analysis in XXXXXXXX XXXX XXXX  which showed that I, of course, had a significant deficit. They claimed to have sent a letter and if they truly did then I did not receive it as a result of Hurricane Ida which devastated my area the same month. I did not become aware of a problem until my XX/XX/XXXX mortgage payment overdrafted my bank account because Mr. Cooper changed my payment amount from {$1100.00} to {$1300.00} to cover the escrow and now they have started adding the PMI they hadn't been charging me for nearly 2 years. I called them immediately and they explained everything about the escrow shortage but did not understand why I hadn't been charged PMI until I had them check copies of the closing disclosures. Once they realized their employee, XXXX XXXX, made the mistake, they informed me she longer worked with the company and refused to work with me to correct this. They doubled down and said I was going to pay the money back to escrow and pay the PMI regardless of what my signed disclosures stated. At this point and after consulting with professionals, I was advised to refinance again but into a conventional loan. I started that process immediately and in XX/XX/XXXX I no longer had a mortgage with Mr. Cooper/Nationstar and I was out XXXX of dollars due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
A tow truck driver arrive to my spouses job and did not follow the LA state laws of removing a movable vehicle peacefully. She called me frantic after going to the parking lot in the hospital where she worked and another patient told her the tow driver just left with her car. She received a theft alert on her phone so she had to leave where she was working to rush downstairs to see who was breaking into her car. This is ridiculous. Chase Bank hired these people and should be held liable. They violated several consumer laws and should be placed out of service for good. I have called JP Morgan chase multiple times since the repossession of the vehicle and tried to pay them XXXX the same day to reinstate the loan and allow me to catch up. They told me my account had been charged off and they could only accept the full amount of the vehicle which was XXXX or try to get financed through another financial institution. I called and got another bank to get me approved. I immediately called chase back and told them I just needed a letter on their letterhead or a bill of sale to give to the new bank. Every time I called they stated it would take 48 hours at least. I have called them multiple times every day since XX/XX/2023. Every single representative gives a different answer. In Louisiana, you have to notify a consumer about the right to cure prior to redemption of their assets. Also, repos have to be performed PEACEFULLY and it was not. The police were called and everything. My credit report says written off as a bad debt but Chase says it was charged off. They want me to give them the money after an illegal repossession proceeding according to my state law then pay them XXXX back after they have already written this debt off with the IRS on their business taxes. This has to be illegal. If CFPB cant help solve this then big lenders like chase will continue to run over the very same people who trust them with their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I have been denied credit by several companies due to XXXX repeatedly placing XXXX XXXX XXXX Bank acct XXXX ending in # XXXX back on my credit report. The account was flagged for fraud by XXXX XXXX XXXX XXXX They closed the account an issued me a new card ending in # XXXX. I have sent all the bureaus copies of the correspondence from XXXX XXXX XXXX XXXX XXXX acknowledge the fraud. XXXX & XXXX have even requested the information be updated in the XXXX system XXXX Again I have repeatedly been denied credit due to this issue, which is causing catastrophic issues and increasing my debt load because I can not refinance any of my existing debt. 

I have been attempting to have this information removed since XX/XX/2022.

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have been denied credit by several companies due to Equifax repeatedly placing XXXX XXXX XXXX Bank acct XXXX ending in # XXXX back on my credit report. The account was flagged for fraud by XXXX XXXX XXXX XXXX They closed the account an issued me a new card ending in # XXXX. I have sent all the bureaus copies of the correspondence from XXXX XXXX XXXX XXXX XXXX acknowledge the fraud. XXXX & XXXX have even requested the information be updated in the Equifax system XXXX Again I have repeatedly been denied credit due to this issue, which is causing catastrophic issues and increasing my debt load because I can not refinance any of my existing debt. 

I have been attempting to have this information removed since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: OK

Complaint narrative:
Under the Fair Credit Reporting Act, it is crucial that consumer reporting agencies uphold fairness, impartiality, and respect for the consumer 's privacy. XXXX, Transition and XXXX are three such agencies, but as the consumer, I have the right to ensure that my private information is not shared. This right is supported by legislation that emphasizes financial institutions ' obligation to protect their customers ' nonpublic personal information.

As a financial institution, the furnisher of information to credit agencies is obliged to respect my privacy and can not divulge any nonpublic personal information without my written consent. XXXX, XXXX, and Transunion, the furnisher of information to credit agencies do not have my consent to share my information, and any prior consent is now revoked. 

Furthermore, according to the legislation, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise their nondisclosure option. The furnisher of information to credit agencies did not inform me of my right to refuse disclosure. 

The consumer reporting agencies, XXXX, Transunion and XXXX, are also violating the law by reporting adverse information without consent, as well as inaccurate information. They should have reasonable procedures in place to prevent such violations and limit the purposeful sharing of consumer reports. 

Therefore, in compliance with 12 CFR 1016.7, I am opting out of their reporting services.

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