vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: TX

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. 

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 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I did a Tax Refund Advance through XXXX XXXX, provided by Credit Karma. I was advised I could get an advance of {$3000.00} sent to a spend account on Credit Karma. The advance went through, however when trying to make 2 separate instant transfers to transfer my money from the Credit Karma account to my external XXXX XXXX account, the money went missing. The transactions were for {$980.00} and was done on XX/XX/24 at XXXX and the other was done on XX/XX/24 at XXXX. My money was removed from the credit karma spending account, and NEVER transferred to my XXXX XXXX account. Credit Karma claims the instant transfers went through on their end, and they cant resolve the issue any further. So basically Im out of close to {$2000.00}. Which is a lot of money since Im a single parent. Credit Karma has done nothing to help find this missing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Nationwide Mortgage Bankers, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I closed on a home loan with a broker from this company. 
On XX/XX/XXXX, I reached out the supervisor regarding contact information for the escrow account to start rehab on the home. I elected for a XXXX loan. 

On XX/XX/XXXX, the supervisor replied that he would " find out '' this information. 

To date, this information has not been provided or has any additional feedback been given nor has a timeline on when I might receive the information been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 2024-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of late payments from my credit report. Upon reviewing my credit report, I noticed that there are several instances of late payments recorded 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 2024-02-15 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: TX

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.

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 2024-02-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My vehicle was robbed multiple times, my purse was stolen with all of my information in it. I filed complaints with the XXXX XXXX Police Department. As a result, there has been fraudulent accounts opened up and fraudulent inquiries on my credit report. I provided proof that they arent my accounts and the credit bureaus isnt deleting the false info from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Credit and Collections Inc.
State: TX

Complaint narrative:
I called the collection UCCXXXX on to inquire of the date. I asked that they send me a letter or proof of debt invoice by mail. I received the letter on XX/XX/2024 to disclose the amount that is owed and who the original creditor was. I sent a pay to delete letter by email to the collections agency on XX/XX/2024. An agent called me and left a message saying they wouldnt make a settlement so I called them back on XX/XX/2024 and made a full payment. There was not clarity by them that they would remove the debt from my reports. I called and never gotten a phone call back for confirmation of removal of the debt. I feel they are avoiding me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: GA

Complaint narrative:
In accordance below with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 609 of the Fair Credit Reporting Act ( FCRA ) a federal law that protects consumers from all unfair credit and collection practices I told XXXX, Transunion, XXXX to reinvestigate these accounts XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX 15 USC 1681 section 602 A. 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 instruction.

None of information as been removed upon request of deletion.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK

Complaint narrative:
I previously made a complaint on here in regards to my former credit Union completely breaking the law and improperly handling my wife and I separate accounts. They put my account negative a decent amount for money that was just attempted to be taken from my account by companies. The bank declined these attempts but still put my account negative the full amount of the attempt each time and my account wasnt even allowed overdraft of any amount. Chex system is preventing me from opening up any other account at any financial institution Ive tried. I cant get direct deposit, pay most my bills, or anything else for that matter. The situation at the before mentioned bank would be the only possible reason for any negative info. I also just learned from the IRS this week that I had my third and final stimulus deposited into XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Ok the same bank and I was never notified and my account had been closed long before then but once again they still let it go through and all {$1400.00} was kept by them which if I actually did owe them money that amount would of been more then enough to clear it. My complaint is on both Chex System & the bank stated above its ridiculous and I have my wife and her bank statements clearly showing the bank taking a large amount out of her completely separate account that has nothing to do with myself to cover the money they put my account negative for.

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 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Date XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV Funding LLC for the violations of consumer financial protection laws. The specific violations are in reference to the following regulations 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( I ) 12 CFR 1006.34 ( d ) 15 USC1681S-2 ( 7 ) ( a ) Additionally, I have requested debt validation and purchase agreement information from LVNV Funding LLC , as permitted by 15 USC 1681S-2 ( 7 ) ( a ). However, the company has not provided the necessary documentation, raising concerns about its compliance with federal consumer protection laws. 

I kindly request the Consumer Financial Protection Bureau to investigate these alleged violations and to take action to ensure that LVNV Funding LLC complies with all applicable laws and regulations. I believe that such actions are crucial to protecting the rights and interests of consumers Furthermore, I assert my rights under 15 USC 1681s2 ( 7 ) ( a ), as the collection agency has failed to adhere to the Fair Credit Reporting Act ( FCRA ) by potentially reporting inaccurate information to credit reporting agencies. 

. 
As a result of these violations, I am formally disputing all debts claimed by LVNV Funding LLC as I mentioned above and request that the Consumer Financial Protection Bureau investigate these matters promptly and remove from my consumer report immediately. Additionally, I am revoking any rights for LVNV Funding LLC to communicate with me via email, call, and text, in accordance with my rights under the aforementioned laws. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ready Capital Corporation
State: LA

Complaint narrative:
They sent an application and I tried filling out, lost papers, then asked for more, none were sent.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened a CD account with Marcus at Goldman Sacs XX/XX/XXXX. I selected a 10 month CD. 

On XX/XX/XXXX I received an email letting me know that my CD will mature on XX/XX/XXXX and is set to auto renew at a term of 6 months, rate to be determined on XX/XX/XXXX. I was prompted to log into Marcus to make a change to the auto renewal if I wish to make changes.

I utilized the Marcus app to change my s
election from auto renew to " RENEW your CD with changes ''. this is defined in the app as 'change the balance and/or change the term listed in the maturity plan. 

On the maturity date : XX/XX/XXXX, I logged into the account online and noted it did in fact auto renew at a new maturity date was set. I called customer service on XX/XX/XXXX to indicate this was not what I wanted to happen and in fact I would like to close the account. I was told not to worry, there is a 10 day grace period to make changes and that it had just matured on that day of the call, XX/XX/XXXX and it shouldn't be a problem. I was also told by the agent that she in fact does 'see ' in the system that I had indicated a change in the renewal plan before the maturity date and after XX/XX/XXXX. 

After some considerable time on hold, the customer service agent informed me that I would be subject to an early withdrawal penalty because the system had already renewed and set a new maturity date of 6 more months from XX/XX/XXXX. 

I then requested to escalate my call for support given the fact that the information shows in 'their system ' that 1. Today is the maturity date and I should have a grace period to make changes and 2. History reflects my change from auto renew to renew with changes.

My assigned escalated 2nd level customer service representative indicated she doesn't see what the first customer service representative sees. She doesn't show any change in the auto renewal option at all and the time to make any changes ended XXXX on XX/XX/XXXX. She reinforced that if I were to close the account I would be subject to an early withdraw fee. 

When I requested what governing body I can reach out to for more support on this, as my confidence level is very low with one representative saying she 'sees ' something in the system that is different than the other representative 'sees '. I was told I have to do my own research and there is no 3rd level escalation. She did offer to put my information into a customer service support call requested and it will take 1-3 business days to receive a call back.

I feel less than confident in the information I am receiving. Marcus is simply refusing to close my account without charging me a fee to do so, and has now locked my savings into another 6 mo CD without my permission. I'm
feeling frustrated that Marcus is determining the end result of this dispute and it is in their favor of course!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Re : XXXX XXXX XXXX XXXX account XXXX listed incorrectly on Credit Reports : XX/XX/XXXX XXXX Report Number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX, XX/XX/XXXX XXXX report XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX, XX/XX/XXXX Equifax Report Number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX. My name is XXXX XXXX, XXXX, and I am a XXXX XXXX  service connected XXXX veteran. I had to declare bankruptcy two ( 2 ) years ago, which was finalized on XX/XX/XXXX. My bankruptcy was filed on XX/XX/XXXX, but I did NOT discharge my XXXX XXXX XXXX XXXX car loan and I continue to pay the loan as initially agreed with the original lien agreement. I have never been late. I contacted the XXXX XXXX by phone and letter several times but this loan still shows up on my XXXX XXXX as being discharged in the bankruptcy and a XXXX balance, which it was not. I spoke to the XXXX XXXX and forwarded letters and legal documents explaining I wanted to continue to pay the loan as agreed. For Instance, on the Bankruptcy official form 108, I clearly check Retain the property and ( explain ) : and then wrote continue to pay the existing loan. And for Did you claim the property as exempt on Schedule C? I checked YES. Discharged in bankruptcy with XXXX balance, this is incorrect! For XXXX XXXX XXXX account number XXXX, the Credit Reports should read reaffirmed, open, never been late and paid as agreed, or similar language. Because this XXXX XXXX bankruptcy debt is covered by a valid reaffirmation agreement and was NOT discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Re : XXXX XXXX XXXX XXXX account XXXX listed incorrectly on Credit Reports : XX/XX/XXXX Experian Report Number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XX/XX/XXXX XXXX report XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX, XX/XX/XXXX XXXX Report Number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX. My name is XXXX XXXX, XXXX, and I am a XXXX XXXX service connected XXXX veteran. I had to declare bankruptcy two ( 2 ) years ago, which was finalized on XX/XX/XXXX. My bankruptcy was filed on XX/XX/XXXX, but I did NOT discharge my XXXX XXXX XXXX XXXX car loan and I continue to pay the loan as initially agreed with the original lien agreement. I have never been late. I contacted the XXXX XXXX by phone and letter several times but this loan still shows up on my Credit Reports as being discharged in the bankruptcy and a XXXX balance, which it was not. I spoke to the XXXX XXXX and forwarded letters and legal documents explaining I wanted to continue to pay the loan as agreed. For Instance, on the Bankruptcy official form 108, I clearly check Retain the property and ( explain ) : and then wrote continue to pay the existing loan. And for Did you claim the property as exempt on Schedule C? I checked YES. Discharged in bankruptcy with XXXX balance, this is incorrect! For XXXX XXXX XXXX account number XXXX, the Credit Reports should read reaffirmed, open, never been late and paid as agreed, or similar language. Because this XXXX XXXX bankruptcy debt is covered by a valid reaffirmation agreement and was NOT discharged.

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 2024-02-15 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I received a copy of my consumer report from Early Warning Services on XX/XX/XXXX that contains transactions from my XXXX XXXX and XXXX XXXX XXXX XXXX. The accounts I have with these financial institutions are personal checking and savings accounts. The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of consumers information in the credit bureau file. Per 15 U.S.C 1681b ( 1 ) ( 2 ) Early Warning Services is in direct violation. As the consumer, I have the right to protect my private information from being shared. Early Warning Services violated the Privacy Act of 1974. Any and all consent to Early Warning Services to report or provide my information verbally, nonverbal, written implied or otherwise is revoked. And 15 U.S.C 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also, per 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. I appreciate your consideration of this concern and look forward to a profound result that justify me as the consumer rights and facilitate financial fairness of {$1000.00} per violation of the FCRA. I have added the Early Warning Services consumer report as well to reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: TX

Complaint narrative:
I submitted a dispute on XXXX, and I believe they have violated the Fair Credit Reporting Laws by not properly invesigating my dispute. They just marked my credit file as updated in less than 12hrs after I submitted the dispute. 

I ask that XXXX follow the law and rules and properly investigate my dispute to the fullest extent, I filed an identity theft report with the FTC, and i have attached it to this complaint as well. 

I also ask that XXXX follow the same suit with the dispute sent to them and because a Transunion has me blocked from submitting disputes via online I ask for them to open a dispute and investigate this matter as well. Failure to comply will result in me submitting further complaints

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