vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I filed bankruptcy, I experienced a financial hardship due to XXXX, I lost my dad ( a veteran ) due to XXXX, and I was fired from my job. I applied for a forebearance, and I have explained that I am currently experiencing financial difficulties, but I want to keep the home and I am requesting a lower payment. They sent me a refinance, which INCREASED the monthly payment, increased the interest rate, increased the amount owed to be HIGHER than the original amount purchased in XXXX, and started the loan over to a new 30 year mortgage! I REFUSED to and agree and I told them this was predatory lending!! 

They then stated they would do a " partial claim '' for {$31000.00} and HUD would put a lien on the home and I would owe a " balloon payment '' at the end or the current mortgage, or if I sell them home. XXXX delivered the modification papers on Saturday, XX/XX/XXXX and the interest rate has still changed to 5.5 % ( which is higher than the original 4.25 % ), and it says the loan is now 40 years to XXXX, instead of XXXX which should be remaining and my loan ends in XXXX! My last mortgage statement shows the balance is {$160.00}, XXXX but this paper work says the new balance will be {$210.00}, XXXX!! I do not understand how and/or why they are changing these figures, but it seems like a scam or rip off and they are taking advantage of people due to a Pandemic and financial situations that are out of anyone 's control!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Account was opened in my name on XXXX of XX/XX/2021. Navy Federal Cr Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$610.00} 15 USC section 1681 a ( i ) ( 2 ) states medical information about the consumer can not be furnised 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a2 states a consumer reporting agency can not furnish an account without my written permission. 

XXXX XXXXXXXX XXXX  XXXX XXXX 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604a2 states a consumer reporting agency can not furnish an account without my written permission Fraudulent inquiries -- -- -- -- -- -- -- -- -- XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have sent over MULTIPLE letters, disputes and made too many calls to count. I have verified my identity, sent in documents from XXXXXXXX XXXX  that my file was compromised. whomever hacked in through my bank has my driver license number, address, social security number, birthdate, account number and anything eles that was on file. 
I have done everything the credit reporting agency has asked and more and they will not remove these items. Pleas someone help me!!!!!

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 2022-08-09 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: IL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : 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 Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Addresses : XXXX XXXXXXXX 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 XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: IL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXXXXXX 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 XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 XXXXXXXX Employer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : 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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
AMERICAN EXPRESS has discriminated against me under 15 USC 1691 the consumer and original creditor proven under 15 USC 1602f by denying my right to credit under 15 USC 1601. AMERICAN EXPRESS has committed Federal Violations against me under 15 USC 1602p and 15 USC 1644 for unauthorized use my credit card to where I receive no benefit. I have exercised my right under 15 USC 6802abc to opt out of their negative reporting. I fell hurt, embarrassed, neglected, depressed and discriminated for the adverse actions and ill will of AMERICAN EXPRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Recapping compliant to file with XXXX. 
See attached PDF of confirmations XXXX, XXXX, XXXX. 

I made online reservations with XXXX XXXX 3 times staring Tuesday XX/XX/2022 using my XXXX XXXXXXXX XXXX # XXXX and it was denied each time. 

XX/XX/2022 -Reservation # XXXX was denied and when I called XXXX XXXX Customer Service, no valid reason other than it looked like XXXX. I was told the charge was denied and to rebook the stay, the customer service representation had spoken to their security department. I also called the hotel directly to confirm the reservation could not and would not go thru, the cjharge had been denied. 

XX/XX/2022 -Reservation # XXXX was denied again and when I called XXXX XXXX Customer Service and spoke to a XXXX, no valid reason other than it looked like XXXX being charged to my account. I was told the charge was denied and to rebook the stay, the customer service representation had again spoken to their security department. I also called the hotel directly to confirm the reservation could not and would not go thru, the cjharge had been denied. 

XX/XX/2022 -Reservation # XXXX was denied again and when I called XXXX XXXX Customer Service, no valid reason other than it looked like XXXX. I was told the charge was denied and to rebook the stay, the customer service representation had again spoken to their security department. I also called the hotel directly to confirm the reservation could not and would not go thru, the cjharge had been denied. 

XXXX time I used another credit card and booked the hotel successfully. 

I have logged on several times to check my account to make sure the charges did not show up, but today 5 days later the charges showed up on my XXXX XXXX XXXX  # XXXX and the hotel will not refund these charges. I am not paying for this, I should have had good customer service the first time I called. I called 4 times and was told all 4 times, once the charges were denied they would not and could not go thru on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX  XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 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:
My personal info was used without my permission to open fraudulent accounts, unauthorized and unknown residenal addresses. 

Transunion XXXX XXXX XXXX XXXX : {$630.00} Date Open : XX/XX/XXXX Addresses XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$630.00} XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$2800.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx 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 2022-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I officially refinanced my auto loan on XX/XX/22 with Upstart Network. Shortly afterward I made a personal decision to sell my car and was unable to because my VIN is non transferable, due to Upstart 'not having perfected ' the lien as of yet. They gave an expected title processing time for XXXX DMV when I contacted them, which would be XXXX weeks from XX/XX/22. I would call regularly to check on the status of this and customer service will have records of each call I made. Nearly each time I called, my time for processing expectations would be mismanaged or re-set in some way, even to the point of adding significant amounts of time. I was never allowed to speak to any type of supervisor or management and calls were never returned to me as promised. I made an initial complaint to XXXX on XX/XX/22 and this was the only thing that was able to get anyone who you would assume had any authority to respond from Upstart and explain that an error had been made and was now corrected and that the XXXX DMV would have the title from XXXX no later than XX/XX/22 now resetting the expected time to XXXX weeks again which likely will double the time for something that should be a really transparent and straightforward process. Something is wrong here and I am being ignored weather by intention or design. I am actually losing a lot of money because of this issue. I suspect that there is potentially fraudulent activity or some type of compliance violation happening within Upstart Networks who, 4 days after they received my first XXXX complaint, sent a message stating that my loan payment instructions had changed and they were to go here for future payments : Upstart XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I don't know if this is a coincidence or not. But I thought it an interesting detail. I need this to be resolved and I would like Upstart to be investigated. I would like to hear from someone on this matter with regards to my title at Upstart and from someone at CFPB about the rest. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX To Whom It May Concern : I received a copy of my credit report with the intention to trying to improve my credit and take care of mu reasonability and noticed an account I wanted a little more explanation on. I am just saying that I am not 100 percent sure if it is accurate. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you to you all.

Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? I heard that if you can't provide proof. these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent correct. So, could you please check on these and get back with me? I saw on a credit site and board where this lawyer said you had 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or correct on them. 

Account : Account name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Please investigate, if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help with this matter.

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a certified letter to the XXXX credit agencies requesting that they verify a bankruptcy claim that is listed on my credit report with them. I also contacted a United States XXXX court in my state to find out if they were reporting this said Bankruptcy. I received a letter from the local United States XXXX Court that they do NOT report any items to any credit agency and that XXXXredit Agencies use 3rd party vendors to obtain public information. I then received a response from all 3 credit agencies in XXXX " validating '' the bankruptcy information but did not state how it was verified. I then sent another letter requesting a reinvestigation and the steps and companies they used to validate such information. All 3 responded that they verified the information via XXXX. I contacted XXXX directly and asked for a complete report of all the information they retain under my name, date of birth, social security number and address. On XX/XX/2022 I received the XXXX report and they do not list ANY bankruptcy, which is contrary to all 3 credit bureaus claims and re-investigation into this matter. I have attached the proof of my XXXX report, specifically page 27, where liens, judgements and civil filing records are reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Without notice, my account was closed. I was told via the phone, it would be sent to me within 3-5 business days. It's been over a week and still isn't here, now when I call they say it won't be until at least 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 explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
My identity was stolen in XXXX XXXX XXXX after purchasing a car. My information was used to set up a checking account and a credit card with USSA in XXXX. I have called numerous times to close the accounts and have spent hours on the phone. I have enlisted professional fraud services ( ie XXXX and XXXX XXXX XXXX ) to assist in this. They tried to convince me to keep the credit card since it would damage my credit if I closed it and just transfer the information to me. They have yet to close the checking account after the several calls I have made and the promise every time to close the account. I am told every time that the account will be closed in 5-7 days, and to call back. It is never closed. They opened this account AFTER I reported the credit card as fraudulent and was assured precautions would be taken to make sure no access to my information or accounts would happen. 
The account representatives have given out my personal information, and the information of the people who stole my identity. They are not safe with personal information or fraud services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation