vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing the cfpb out of extreme desperation. The credit reporting agencies have caused me great harm and have failed to uphold their fiduciary duties to protect my identity. In accordance with the Fair Credit Reporting Act, they have violated my rights. Pursuant to 15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have never received any written acknowledgements from Experian with the options to opt out. This has caused my family great harm because I have been denied the privilege to buy a home, purchase a car with affordable rates. I was also notified of my privacy being infringed on and my information being exposed, again I HAVE THE RIGHT TO PRIVACY pursuant to the privacy act of 1974. 
Pursuant to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Ive been fighting for years to rectify fraudulent activity, names, addresses, social security numbers, accounts. I have even talked to multiple customer service representatives and they have hung up in my face and refused to put a freeze on my account. Ive been a victim of Experian breach they have failed me and my family. i have feared of someone getting a hold of my information. Because i get alerts that my info has been placed on the Black market or the dark web, this has placed my family in harms way. I just want to live my life in peace and not fear that I'm in jeopardy. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. 
You are also aware that reporting income on a credit report is against federal law. Charge offs are considered a certificate of indebtedness which is income, why are they still fraudulently reporting these accounts. 
It is also illegal to report transaction history on a report. 
15usc 1681s 16 CFR 433.3 Please uphold your fiduciary duties to report accurately. I am invoking my rights to privacy according to the privacy act of 1974. I am also invoking my rights to opt out.

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 2024-02-22 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:
I am in the process of purchasing a home and after viewing my report I see that there are damages on my report. I have tried to resolve this, but nothing is changing. There are late payment being reported and in accordance with the Fair Credit Reporting Act the XXXX, Transunion, and XXXX has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 ( section 6 of 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under under15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I called to get help on my student loan. My loan is in a income driven repayment plan, but was removed from it for 1 month, and I needed help applying that plan to the month. I called and waited on hold for 45 minutes and finally got a human being who identified themself as a trainee. They were unable to help me and transferred me. I waited on hold for over 3 more hours. When a person finally answered my call, they asked my name and then ended the call. I was prompted to evaluate my level of customer service on a scale of 1 to 5. After a total of almost 4 hours on the phone, I still don't have a solution to my problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an account reporting to my credit profile that I do not own and have never owned and did not authorize any collection agency authorization to report this fraudulent account to post to my credit report, I reached out to the company and let them know that I have never had an account with them and that I am a victim of identity theft and requested them to send me a validation letter with my signed wet signature that proves that I have account with them. I provided them with my FTC report and also let them know that I was also a victim of the Equifax data breach and let them know that I have been working with a Settlement Administrative to help me recover the data breach because my information was leaked as well, and instead of them providing the documents I requested they just reported the fraudulent account to my credit report which is in violation of my rights because I do not have or ever had an account with this company. 
This account should not be furnished on my consumer report as they are in violation under 15 USC 1681 b permisable purpose of consumer reports ( a ) in general subject to subsection ( c ) 2 any consumer reporting agency may furnish a consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a protected consumer. 
NO CONSENT IS IDENTITY THEFT also. As a consumer I am demanding the deletion of the account IMMEDIATELY!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
RE : Consumer Financial Protection Bureau Complaint ID # XXXX and the Office of the Comptroller of the Currency Case # XXXX Please reopen this complaint. My concerns were not addressed.Thanks to the CFPB for getting a response from Webster bank. I was ignored after I filed my complaint. Makes anyone wonder how many customers this bank treats this way. 
Webster bank must direct me to their policy of keeping external mortgage information in their bank records. No Webster bank loans were involved. I have discussed this made up information with another bank I use and they have never heard of any such policy. In addition, my mortgage documents have never been retained at other times when I did a wire transfer. 
Webster bank did not explain why my online access to customer service was shut off. 
Webster bank did not explain why all efforts to contact Webster employees to file complaints were ignored. The bank employees in supervisor roles ignored all my emails. 
Most important, which individuals or outside agencies were given access to my wire transfer information?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: NY

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/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 2024-02-22 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Please reference an internal ticket number provided to me by a chime manager during a call around XXXX XXXX XXXX XX/XX/2024 regarding chimes refusal to release my refund after being notified by the merchant that it was ok to refund. 

I booked a stay at the XXXX XXXX  XX/XX/2024 but did not stay and so the hotel refunded me the {$50.00} hold. They sent an electronic authorization to release the hold to chime and chime refused to release my money citing a pending transactions needed to remain on hold for 7 days despite the merchant authorization to refund and release. I asked for an explanation as to why and was repeatedly told the policy with no explanation. 

Countless reps told me they could see the merchant refunding me but XXXX the manager stated he could not. One rep who agreed that it was egregious and vowed to find help was the last rep to confirm he could see the refund from XXXX. Manager named XXXX claimed he could not. ( I dont believe he was looking for it either ) Banks holding on to money that doesnt belong to them for extreme lengths of time is theft! Because banks can do whatever they want with the money while we wait and the customer gets nothing in return!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Made a payment to Goldman Sachs/ Apple Card for {$1700.00} and was informed my payment was being placed on a hold and would be released on XX/XX/01. When asked to show me the terms and conditions where it CLEARLY STATES my payment was subject to a seven business day hold. NO WHERE IN THEIR TERMS AND CONDITIONS DOES IT STATE ANY SPECIFIC TIME FRAME FOR A PAYMENT HOLD. Their terms and conditions state on page 13 : Credit Availability After receiving a payment, we can immediately increase your available credit, or delay increasing the available credit on your Account for a period of time. You can check the status of your available credit by going to your XXXX XXXX, accessing XXXX & XXXX XXXX, online at XXXX, or by contacting us. This is extremely deceptive and misleading practice. No where does it state a SPECIFIC time frame for my funds to be subject to any type of hold. Not to mention their excuse was my payment amount was out of the normal and I JUST MADE A {$1000.00} PAYMENT ON FEBRUARY FIRST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I am writing to file a formal complaint against Fay Servicing regarding the handling of my mortgage account. As a property owner with a mortgage, I expect a certain level of communication and transparency from my mortgage provider. However, my recent experience with Fay Servicing has been deeply unsatisfactory. 

I recently discovered that my property is in default, and I never received any advance notice from them. This lack of communication and transparency regarding my account 's status is completely unacceptable, especially considering the significant impact it has on my financial well-being. 

Furthermore, the amount of these fees is excessive and unreasonable. As a property owner, I have a right to know what I am being charged for and why. I feel that Fay Servicing has failed to provide me with this information and has instead chosen to charge me exorbitant fees without justification or advanced prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
I did not open these accounts

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I submitted a claim against synchrony bank ( CareCredit ) in XXXX because of false advertising on their interest promotion which resulted in a high amount of deferred interest on my card which could have been avoided if I was informed properly of the interest plan. 

finally got a reply from their corporate office from XXXX XXXX a month or two ago. She ignored my voicemail for two weeks then I finally got a customer support manager to force her on the phone. She listened to issue and said she would review the interest on my account and per the only resolution I agreed to pay the premium due once the review was done so I could clear the deferred interest. 

That was due XX/XX/year>. Its been three weeks since Ive heard from her to get this resolved l, so the timeline to fix the issue has passed. Ive left four or more voicemails, called their call center many times, and escalated the issue. I still have no help. I need to get this resolved as its been five months of issues with this company since my first request.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN shared my credit report with XXXX consisting of derogatory remarks, late payments, & false information leading to possible identity theft and harm to consumer. Adverse action has taken place 15usc 1692e 15usc 1666. Opportunity for equal credit has been denied and my application for an apartment had been denied violating my consumer rights. 12 cfr 1026.13

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 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Tried to pay off mortgage after receiving pay off quote given by Mr Cooper. Was given different amounts to pay each time. Spoke to 4 different workers who gave different stories as to why the wire transfers sent on XX/XX/XXXX {$4100.00}, XX/XX/XXXX {$2900.00}, XX/XX/XXXX {$2900.00} and XX/XX/XXXX {$2900.00} were all returned. One said the amount was wrong, another said it was being applied to the principal and not payoff amount on their side and it would not accept it as being applied incorrectly, another said she didn't see any of the wires and the last one we spoke with today said to disregard the bank name to wire to and to use the mr cooper mailing address and name as the bank name instead- but refused to put that in writing. Which is completely different from the wire instructions we received. XXXX XXXX tried to wire the payoff to Mr Cooper payoff wire instructions to XXXX XXXX but it was returned saying the bank account number was incorrect. The worker we spoke with today said the number was correct and exclusive to our home mortgage.An additional payment was accepted by the website for {$1300.00} on XX/XX/XXXX but the worker today said we are unable to make any more payments online or by phone as they have it in a payoff status and can only accept wire payments or cashier check. They refuse to provide a physical address to hand deliver a cashiers check anywhere in the United States where we can bring it in and get a receipt. After a string of errors dating back to XXXX I refuse to send in a check that can be lost, misdirected or otherwise rejected and they are saying that they can only receive wire transfers or mailed in cashiers check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I paid off my {$3000.00} credit card bill completely. Now they're asking for {$6000.00}, which I don't owe them.

Company response to consumer: Closed with explanation