vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX we joined Discover, have been congratulated and thanked for longevity over the past XXXX  years. Credit limit has been increased. 
In XX/XX/XXXX I called to have payments put on automatic withdrawal from my checking account. I answered all questions factually ; yet was told my social security number does not match what they have. The original application was paper and apparently they can not locate it. 
My number has not changed! Discover stated they can not complete the automatic withdrawal. However, they did on XXXX XXXX with another scheduled for XXXX XXXX. 
They wanted me to have a notary certify my social security number, notaries only certify signatures. 
In XX/XX/XXXX, without notice, I found out Discover closed our account. It is the only card we have and caused us to be without a credit card, having to scramble to make payment arrangements for items paid with this card AND Discover reported it closed by them to the credit reporting agencies, thus reflecting negatively on our credit. 
I have made several attempts to straighten this out, having been on the phone excessive hold times, transfers, given a fax number to call and shuffled between various departments including " credit bust out team '' " identity protection '' and " verification department ''. 
I was told the last 4 numbers do not match and then told the last 4 numbers are correct, just not in the correct order. 
All they have to do, after XXXX  years of extending credit, raising the limit, etc is to correct their error. I provided them with the correct number or they wouldn't have issued the card to begin with. 
Now they have taken my rewards with the current statement showing {$0.00} when as of XX/XX/XXXX we had {$350.00}. 
This has all been caused by Discover being negligent in their record keeping and not having the integrity to right their wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I have been trying to get a loan modification for the past 5 months. They denied me because they said my income was not sufficient to sustain the payments of XXXX I submitted income showing XXXX  monthly. They also said that I exhausted my modifications. ( MODIFIED IN XXXX ) WITH A PREVIOUS MORTGAGE COMPANY ) MY MORTGAGE WAS SOLD IN XXXX IN WHICH IM ASSUMING THEY CHANGED IT FROM A FHA LOAN TO A CONVENTIONAL LOAN WITHOUT MY KNOWLEDGE. THE COMPANY THAT I AM NOW WITH WHO MY LOAN WAS SOLD TO IN XXXX SAYS THAT I HAVE A CONVENTIONAL MORTGAGE. WAS IT LEGAL FOR THEM TO CHANGE THE LOAN FROM A FHA TO A CONVENTIONAL LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 




In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account 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 : 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 explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint towards : Chase XX/XX/2022 : My wife and I went to our local Chase branch and opened new joint accounts ( one checking and one saving ). 

XX/XX/2022 : I initialized a XXXX money transfer from my existing XXXX checking account to the new Chase saving account. The transfer was initialized on the Chase website. I added my XXXX checking account as an external account, and then initialized the transfer from Chase. 
( I have been using this XXXX checking account to pay my Chase credit card for years. When I was trying to add it as an external account, it was automatically detected and added on the Chase user portal ) Also, I updated my employer 's payroll system to use the new Chase checking account as the direct deposit account. 

XX/XX/2022 : I can not log into the Chase website or the mobile app. It says that suspicious activities are detected in my account and asked me to give a call. I gave a call to Chase and was told by phone that my accounts are subject to closure. No reasons are given over the phone. 

XX/XX/2022 : We went to the same local Chase branch and asked the banker for help. The banker helped us to call Chase again. However, still, no reason is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: MD

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX  - xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - xxxxxxxx XXXX XXXX XXXX XXXX  - xxxxxxxx XXXX XXXXXXXX XXXX XXXX XXXX xxxxxxxx XXXX XXXX XXXX xxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 section 604 A section 2. It also states a consumer reporting agency can not furnish a count with our 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 2022-08-25 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 section 604 A section 2. It also states a consumer reporting agency can not furnish a count with our written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I currently having issues with my mortgage company, LoanCare and HAF ( Homeowners Assistance Funds ) payments. I was sent confirmation on XX/XX/2022 that I was approved and payments of {$640.00} for the next 18 months would be sent directly to my mortgage service provider but as of today, XX/XX/2022 my mortgage loan is still currently late/past due, {$1200.00} and no payments have been made/accepted. Furthermore, due to this issue my credit score is being negatively affected.

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 2022-08-25 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:
I am in the XXXX XXXX  and a XXXX XXXX Report # XXXX was pulled on XX/XX/XXXX. On this report was an account with creditor : XXXX XXXX XXXX with a balance of {$7600.00}. Open date of account was XX/XX/XXXX. I have never applied for credit of any sort with this organization. I called to have this disputed on several occasions and was told that it was because i had a loan with XXXX XXXX. 
I had a loan from XXXX XXXX for {$7800.00}. This loan was placed into a debt consolidation program with XXXX XXXX XXXX and was later settled with a collection agency : XXXX XXXX XXXX in the sum of {$4700.00}. I have attached all documents received to support my claim that this outstanding balance is null.

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 2022-08-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in the XXXX XXXX  and a XXXX  XXXX Report # XXXX was pulled on XX/XX/XXXX. On this report was an account with creditor : XXXX XXXX XXXX with a balance of {$7600.00}. Open date of account was XX/XX/XXXX. I have never applied for credit of any sort with this organization. I called to have this disputed on several occasions and was told that it was because i had a loan with XXXX XXXX. 
I had a loan from XXXX XXXX for {$7800.00}. This loan was placed into a debt consolidation program with XXXX XXXX XXXX and was later settled with a collection agency : XXXX XXXX XXXX in the sum of {$4700.00}. I have attached all documents received to support my claim that this outstanding balance is null.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX offers a subscription service to receive credit scores at a monthly cost, but that subscription can be canceled in the first 2 weeks or so before the customer is billed the monthly fee. I subscribed on Saturday, XX/XX/2022 and have been trying to cancel ever since. I have tried calling them, sending emails, and submitting cancelation via their online forms, all to no avail. It's very clear that the company is trying to make it virtually impossible to cancel the service.

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 2022-08-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my privacy 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 2022-08-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number 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 furnisha 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 2022-08-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number 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 furnisha account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: GA

Complaint narrative:
This is in regards to Equifax, they are reporting an error on my credit report. I sent them proof the other bureaus deleted this XXXX XXXX XXXX, account for {$120.00}. They are refusing to delete this account after I let them know they are in HIPPA violation. It doesnt exist with the other bureaus. This is inaccurate false information being reported on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
Another issue with ServicemMac. 
On XX/XX/2022 I sent a request to ServiveMac to remove part my escrow account ( property tax and hazard insurance ) as I was advised that escrow for flood insurance can't be removed since this loan servicer is quite messy and I don't trust them. 
On XX/XX/2022 received a denial from ServiceMac stating that they can't remove the flood insurance, but I only asked for Property tax and hazard insurance ( copy of the request attached ), this makes me wonder if ServiceMac actually read my request form. 
So this denial has no ground.

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 2022-08-25 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: GA

Complaint narrative:
XXXX is refusing to delete the XXXX  account for {$140.00}. Its an error on my report and it doesnt exist on the other two bureaus. Every time I dispute showing proof they ignore it and continue to report it as verified this is harming me for obtaining credit and I need this account deleted. In the files you can clearly see the account doesnt exist on the other bureaus. They are in violation of the fcra reporting inaccurate information on my credit reporting files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have two checks that were stolen and deposited into the wrong account in XX/XX/2021. I spoke to the bank and was told it would take up to 90 days to complete the investigation and get the money back, but it has been over 9 months, and still no resolution. My bank is Chase, and the checks were deposited into a XXXX XXXX account. They were improperly endorsed, and clearly not deposited into the correct account since the checks were written to a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Opened Venmo account XX/XX/XXXX. 
My brother transferred {$1100.00} into said account. On Monday XX/XX/XXXX my bank account was verified, hours later my account was frozen for failure to abide by terms and agreements, when I call customer service they have no answers.. on XX/XX/XXXX I got an email requesting my bank statement, it has been 21 days now and I havent gotten my money yet. I am stressed financially and was borrowing this money to begin with.. now I feel I have put precious information out on the web because of this app

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25 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: SC

Complaint narrative:
This complaint is regarding an inquiry on my credit report on XX/XX/2022. 

I submitted a letter to the credit bureau regarding this inquiry that showed up on my credit report. 

I explained to the credit bureau I did not authorize this inquiry and that I had reached out to the company regarding this matter to remove it off my credit report. 

The company did not remove the inquiry and that's when I contacted the credit bureau. 

Unfortunately, the credit bureau did not remove the inquiry and advised me I would need to reach out to the company. 

At this time I'm hoping you can assist me with this issue and help me to get this inquiry off of my credit report. 

Thank you

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 2022-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
NCB Management reports fraudulent accounts to credit bureaus. 
NCB Management fails to comply with federal regulations by credit reporting agencies. NCB Management is guilty of : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The listed account below was opened fraudulently and charges were made without my consent also the account was previously removed from my trans Union credit report but was illegally back reported and also the account is past 7 years old. 

TransUnion XXXX XXXX XXXX  {$1200.00} Acct # 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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NV

Complaint narrative:
LexisNexis and XXXX are reporting false information that should be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: GA

Complaint narrative:
I have sent several disputes regarding this loan for {$12000.00}. They havent taken any action deleting this account when it doesnt exist with the other 2 bureaus. It is harming me for obtaining credit, I have never lived in XXXX  so where is the information coming from? Who was on this joint account? This information is violating the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my privacy 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