vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
Specialized loan services, my mortgage company told me during covid not to pay payments because the STATE shut down my XXXX for COVID and i was in a forbearance. the mandates really hurts business but i am willing and able to pay for years now the have denied me for everything and refuse to help the are demanding my deed. they prolong help thru NJ housing and dev. and even they wont help. I will not ; lose my home over this covid closing. i was already battling hardship when covid hit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
XXXX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means XXXX didnt exercise there grave responsibility to my consumer report. XXXX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed XXXX in writing to furnish this report and never consented to this report on my credit file by : Account info Account name WAKEFIELD & ASSOCIATES I Also known as WAKEFIELD & ASSOCIATES Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 230 past due as of XXXX XXXX as well as XXXX XXXX XXXX XXXX  : Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$210.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX XXXX {$210.00} Balance updated XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So XXXX just assumed that XXXX could report this and XXXX never had my permission and stole my identity to report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means XXXX didnt exercise there grave responsibility to my consumer report. XXXX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed XXXX in writing to furnish this report and never consented to this report on my credit file by : Account info Account name XXXX XXXX XXXX I Also known as XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX as well as I C SYSTEM INC : Account name I C SYSTEM INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$210.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$210.00} Balance updated XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So XXXX just assumed that XXXX could report this and XXXX never had my permission and stole my identity to report on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. 
This violation of the FAIR CREDIT REPORTING Act Section 1681b and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My sons SSXXXXI has been deposited into my Chime account every month for a year. Last month I had my 2022 taxes through turbo tax deposited into my account and two additional deposits from a casino website. After I received my Sons SSXXXXI this month Chime closed my account and told me my account violated their deposit agreement. Told me to provide identity proof by sending my drivers license, SS card and proof of residency. I sent all. To which they said due to security they couldnt discuss my account with me. I called and they wanted proof of the DD into my account asking for screenshots to which I provided all documentation. They have told me they will not issue a refund for my sons SSXXXXI and have stopped communicating all together with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: IL

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Dear Recipient, I am writing to inform you that there is an error on my credit report regarding late payments that were incorrectly reported by Navy Federal. I am not sure about this account was for car loan or credit card either I believe no late payments was made. The FCRA law allows any collection after two years be removed from my credit report. I respectful request that this be removed.

I have made several attempts to have Navy Federal. correct this error with no success. I submitted requests for adjustment in XX/XX/2021. 

I am seeking your assistance in rectifying this error on my credit report. Please advise me on the appropriate steps to take to have this issue resolved as soon as possible. 


Thank you for your prompt attention to this matter. 


Best regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have been trying to deal with an account from a company called TD Bank Target card for over a year now. I have sent them multiple dispute letters AND phone calls stating that I had never opened an account with them and they are reporting a fraudulent account on my credit report. Now the account itself is not hurting me as it seems to be paid HOWEVER this account was never opened by me. I have spoken to someone from TD Bank/Target card and the person I spoke to in fraud department assured me that the account was closed and would not reflect on my credit report and here we are a year later with it showing as an open account and NOT REMOVED. I actually have a voice recording of this person at Target TD Bank STATING THIS VERBATIM. I am beyond livid at this point. I have sent the 3 credit bureaus ( XXXX, XXXX and XXXX ) multiple disputes and they still are not help. I am working with an attorney now that is costing me thousands of dollars putting a class action lawsuit together but at this point I am running low on funds when this could all be resolved by just doing the right thing... NOT REPORTING A FRAUD ACCOUNT WHICH I NEVER OPENED. This is going to be the death of me. I have sent TD Bank/Target letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again this last XX/XX/XXXX. Still no one can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist XXXX 2023 Small Business Checking Offer was supposed to pay out {$400.00} as a promotion when {$1500.00} worth of deposits were made. 

Truist customer service stated I was eligible and hit the promotion target but then got an automated email that I did not complete the requirements ( I did ). Customer service states there is nothing they can do. 

After walking through the terms with them, gaining alignment, and showing the transcript proof of customer service rep saying I was good to go, they still stated they could not do anything. I have photos of eligibility and proof that I hit the qualification criteria. They stated the terms said balance must be greater than {$0.00} however my terms ( see attached ) just stated the account could not be negative ( which it was not ). They recently added the new terms ( must have XXXX XXXX in the account ) after the fact when checking for completion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NC

Complaint narrative:
I have ( 3 ) accounts that are inaccurate on my credit report.

( 2 ) accounts from XXXX XXXX XXXX ( loan and credit card ) ( 1 ) account from XXXX XXXX  ( loan ) 15 USC 1681A ( 2 ) - I didn't give written permission to have those accounts furnished on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2023 I was contacted by an individual identifying himself as a representative of Discover Bank Fraud Department. My caller ID showed Discover bank and the individual sent me the expected text message to verify my identity by reading back the number code in the text. They proceeded to have me verify as either authorized or unauthorized, charges on my debit card, due to suspicious transactions. Some of the charges were actual purchases I transacted. Over the course of this call I was tricked into providing them credentials, driver license image, which they in turn used to conduct an unauthorized wire transfer from my savings account, XXXX, in the amount of {$110000.00}. I became suspicious and terminated the call and phoned Discover Bank directly. I was apparently just minutes late in alerting them to the unauthorized transaction. The wire had been sent and the wire recall request, as I later learned, was unsuccessful. 

I contacted the XXXX XXXX, FL Sheriffs Office, Economic Crimes Task Force. They requested that I urgently contact Discover Bank and report back with the wire transfer details : destination bank, account number, Swift number, etc., as they said there would be a short window of opportunity to recover the funds. Discover Bank refused to release the information to me, stating that it was under investigation by the bank. They did however provide me with a direct number for law enforcement use and to provide that to the Sheriffs Office. They assured me they would cooperate with law enforcement without requiring a subpoena. The county Sheriff agent contacted me later to inform me that the call was unanswered and that he received no return call from the voicemail he provided them.

I contacted Discover Bank several days later to inquire about the progress of their investigation. I was verbally informed that their investigation was closed. They stated that the receiving bank refused to return the funds, and there would be no restoration to my savings account. This was in despite of being assured during three different conversations I had with the bank on the day of the incident and the following day, that I could expect the funds to be restored. 

As of this date, XX/XX/2023 I have not received a formal notification of the results of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am stuck in an extremely high loan for a used and 10year old vehicle. The Company is not willing to refinance the vehicle cause me financial hardships.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: MO

Complaint narrative:
To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave wri

tten instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is in response to complaint XXXX. You are reporting the late payment for the wrong month, and this should be removed immediately. Your incorrect reporting has caused extreme hardship. You stated that there was a carrying balance from XXXX, and that everything was paid in XXXX so why is there a late payment reporting in XXXX instead of XXXX? It is recommended that data furnishers follow the XXXX guidance when they furnish consumer credit information to the three credit bureaus, and it is very clear that Bank of America has failed to do so. I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. If you fail to remove this inaccurate information, I will take legal action to protect my credit rating and myself. I will fully exercise my right under the Fair Credit Reporting Act. I look forward to an uneventful resolution of 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 explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
n accordance with the fair credit report act, the list of accounts below has violated my federally proted consumer rights to privacy and confidential under 15 usc 1681. 
Capital One Auto Fin account : XXXX 15 usc 1681 section A. States have rights to privacy. 

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 usc 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 usc 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 explanation