vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC
State: KY

Complaint narrative:
On XXXX XXXX XXXX  I contacted Bank Mobile XXXX about some transactions from merchants that I never received my orders. The merchants told me that I would need to file a dispute with my bank. I filed a dispute with my bank, and it's almost been 60 days without any credit back. Also, every time I try to use my debit card at any atm it says there's an issue with my debit card, to contact my bank. I have brought this up to my bank as it is frustrating. Even though the atm said the transaction couldn't be completed it was still deducted from my balance, but no money came out of the ATM. I had to file a dispute for that as well and I am still waiting to hear back from Bank Mobile.

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 2022-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: OK

Complaint narrative:
This complaint is based upon the delay getting Forebearance agreements approved and according to a Lawyer, an Appraisal that was pumped up about $ XXXX above what the house is worth.The buyer bought the home for $ XXXX just 6 months prior to the sale and basically put Lipstick on a Pig. I put all of the improvements into it myself and it still is not worth its appraised value. The retained Lawyer has also stated that Guild Mortgage has violated several Federal Laws ( False Claims Act ) in which they were just fined for in XXXX of XXXX. 
The same time period that this loan was closed. 
There are also documents that were not filled out by the buyer. 

Due to an XXXX  that I have known as XXXX XXXX  ( contracted XXXX on XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX by the XXXX as XXXX XXXX condition unspecified ), I have not been able to work. This illness has prevented me from paying the ( 3 ) payments currently due now. 
Guild Mortgage has given me a deadline of XX/XX/XXXX to pay these ( 3 ) payments and if not met, they will proceed with Foreclosure. My end game at this point is to get these Forebearance forms, which I have submitted, approved as soon as possible. This will give me time to get approved for Disability and Medicare through the Federal Government. 
I also expect to have the Loan deficiencies corrected according to the law as soon as possible. 
The following documents are attached : Property Condition report Estimated cost to buyer Correction document Appraisal Acknowledgement

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: IA

Complaint narrative:
I took my dad to open a new account We are having trouble with my brother abusing his POA his POA has since been revoked. When we got to the bank an XXXX XXXX offered to help. She asked my dads name and asked who I was. I replied im his daughter. She announced my name XXXX XXXX stuck her hand up in my face and said she wouldnt be opening any accounts for me today. I advised her I was there with my dad. She then told my dad he didnt need to change his account and sent us on our way. When we got home my dad was mad and said he wanted his money and wanted to close his account. So we went back to the bank. He walked up to XXXX at the window and told her to close his account. XXXX come running out of her office waving her arms yelling stop. She would not be closing his account and they were not accepting the revocation of the POA. Seems she has some kind of relationship with my brother. The next morning I woke up to a knock on the door. She had called the police and wanted me arrested for trying to still my dads money. This is just a start to what has happened. I have called the bank twice and no one has ever returned my call

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Affirm Holdings, Inc
State: KS

Complaint narrative:
Affirm called with XXXX XXXX XXXXn the caller ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 XXXXXXXX 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 a 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 2022-12-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I reached out to American Express Company about a charge of {$740.00} from the merchant XXXX XXXX ( XXXX ) on XXXX XXXX. 
I used the official XXXX  mobile application to make a change to a connecting flight to give myself some additional time during a layover. I used the XXXX  app to look for flight changes. The app listed numerous flights available for that change, each had a listed charge. There were two flights that showed a charge of {$0.00} and I proceeded to select one of those flights for the change and expecting no charge to process that change. In the screens that followed showed a charge of {$0.00} ( at least two other screens ) and I proceeded to finalize the change. Within a few minutes, I received a notification that my credit card was charged an amount of {$740.00} from XXXX. I called XXXX  immediate ( within 15 minutes ) and spoke to a representative and explained my issue. She said that she was not able to help me because I had finalized my flight change. I asked to speak to someone else or a supervisor multiple times and she put me on hold two times. I waited for a response for more than an hour and after she got back to me, she mentioned that she opened an inquiry for me and that XXXX  will follow up with me within 5 business days. I also filed an online question with XXXX. I did not hear back from them.

I submitted a dispute with American Express Company ( Amex ), the credit card provider that this fraudulent charge was charge to. The dispute closed after XXXX  responded with the position that " The merchant has advised that the change was done by the XXXX  herself through XXXX. '' I spoked with Amex representatives on at least 6 occasions about this dispute. Each time, they expressed to me that my dispute is reasonable and that they will be able to help me. Amex closed my dispute and I called them to express my concern that my issue was not addressed. The representative suggested that we reopen the dispute. The dispute was re-opened on XX/XX/2022 and I submitted additional letters and documents to support my claim. Amex closed my dispute on XX/XX/2022 with the same position as the first time that " The merchant has advised that the change was done by the XXXX  herself through XXXX. '' They also sent a message to let me know that they can no longer investigate this issue further and close this dispute.

I am submitting this complaint because Amex did not properly investigate my dispute. I did use the XXXX  application to make a change to my flight but the issue was that XXXX  charged me {$740.00} without displaying that amount on their application. I communicated this concern to Amex through multiple calls but it was not heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: TX

Complaint narrative:
I told them that this loan was fraud and they sent me an affidavit last year. I sent it back and I stopped hearing from them. After a few months they said they will remove it off my credit. Then proceed to charge my credit like 7 times. Then told me to file a police report. FCRA Section 609 and FCRA section 604.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # 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 at also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : 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 non-monetary relief
Consumer complaint received 2022-12-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # 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 at also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth - XX/XX/1994 { Date } XXXX To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATIONThe accounts/ INFORMATION below are reporting incorrectly REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect. 
1 : Incorrect Addresses XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX 2. : Incorrect Name Variations, * NAMES REPORTED * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX UPDATE XXXX XXXX please update the following information which I saw your credit bureau to be missing or incomplete:1. Personal current address { XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX } 2. My proper full name { XXXX XXXX XXXX XXXX }, if the bureau has listed it incorrectly } 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. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, { XXXX XXXX XXXX XXXX }

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth - XX/XX/ { Date } XXXX To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATIONThe accounts/ INFORMATION below are reporting incorrectly REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect. 
1 : Incorrect Addresses XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 2. : Incorrect Name Variations, * NAMES REPORTED * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX UPDATE PERSONAL INFORMATIONAlso please update the following information which I saw your credit bureau to be missing or incomplete:1. Personal current address { XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX } 2. My proper full name { XXXX XXXX XXXX XXXX }, if the bureau has listed it incorrectly } 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. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, { 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 2022-12-15 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian is listing accounts as charged off, which is reported as income and its illegal to report income

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 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
To whom it may concern, I am writing this timeline to express concerns about an error that has occurred. I contacted my previous mortgage company XXXX XXXX XXXX XXXX XXXX or XXXX  ) and they claimed that everything was transferred over to Specialized Loan Servicing or SLS. 

I was informed that we were going to get a new mortgage company on XX/XX/2022 ( I attached the letter labeled Transfer mortgage ). I contacted both companies. My previous company sent over documents to prove we made the payments. They sent us something called Payment History ( attached below ) that states our previous payment and the next payment which will be on XX/XX/2022. 

So, the problem began when we transferred to a new mortgage company. We were shocked to find out that we were supposed to be with Specialized Loan Servicing since XX/XX/2022 but we werent informed of this until XXXX when we received the letter from our previous lender. We contacted their customer service through phone and they told us that we needed to make a payment, then we contacted them through email and they stated that we need to send a formal letter to Notice of error and request for information, which we did on XX/XX/2022. We received a correspondence that ultimately said the payment application described in your dispute was not in error dated XX/XX/2022. I have tried to resolve this issue with the mortgage company to no avail. 

Two concerns that need to be addressed by the mortgage company : -Why didnt our payment transfer over correctly? If so, then the first late fee shouldnt have ever occurred.

-Also, why did we get a second late fee charge?

Last thing to mention that I, the consumer, have a 15 day grace period before any late fee incur as per our contract ( attached below as " Loan Details- Specialized Loan Servicing, LLC '' ). Also, we have 60 days from the transfer from one mortgage company before any late fees should incur.

I created a visualization and timeline to help better understand our situation. I also attached statements from XXXX to the current statement. 


Thank you, XXXX XXXX and XXXX XXXX XXXX ( SLS account number : 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 2022-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a statement in the mail for a savings account with BMO Harris Bank. I never opened such an account, or I have no recollection of ever opening an account with this bag. I called the number listed at XXXX XXXX XXXX. The representative asked for my account number name and address, which was printed on the statement, so I had no problem, giving it to them. He then asked me to confirm my Social Security number, which he read to me. I confirmed, which I probably should not have. He then asked for my to confirm my date of birth, which he gave to me, and I refuse to confirm he was very rude and hung up on me. I called back twice and asked for the fraud department and I was never transferred over to them. I dont know if this was a fraud or just horrible customer service but I need some help.

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