vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: SC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DC

Complaint narrative:
Around XX/XX/ I made a purchase for XXXX $ cash at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX around XXXX oclock eastern time. I lost my money order & receipt all while walking to my vehicle after a frantic search I went back to the XXXX XXXX XXXX to ask for and receipt of my transaction each day for two weeks hoping there would be another woker on duty that would care enough to help Ive made multiple replacement forms and attempted but nobody will contact me back its is now XXXX  and I have yet to get and email an call and I would like my money back I filled in all three lines so nobody could cash it in they also said it wasnt cashed in yet there self so I want to know where are my funds and why is it so unprofessional even when I expressed my family emergency they would keep insisting I do a replacement form Which I have done multiple times in hopes they would help me in stead they wanted me to give up my efforts I am a XXXX father looking at and eviction I am not trying for steal I just want what was rightfully mine and I trusted this business to be there for me in times like this when my back is against the wall not treating me like Ive never brought the moneyorder because the store has cameras bout they wouldnt rewind those either for me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am behind on my loan at XXXX XXXX. I am not 30 days behind and plan on paying the installment when I receive my next paycheck. The company decided to do a hard inquiry on my credit for some reason. They said it was because they wanted to see if I was eligible to redo my loan. I did not want to redo my loan. I only want to pay it off in the time allotted by my loan agreement that I already have. In short. They did a hard inquiry on my credit without my permission. I am trying to improve my credit but, of course, they knocked my score down with a hard inquiry. 

XXXX XXXX, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/2022, a redemption of {$790.00} was made to my checking account on file. To date, the deposit has not been made and the credit card company has no answers to explain why my monies have not been transferred and deposited to my account that they have on file and withdraw from to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I set up a Remitly.com account and transferred funds from my XXXXXXXX XXXX  to a XXXXXXXX XXXX  Account to pay for a XXXX The process was confusing and my transfer was did not appear to have been saved. The XXXX XXXX XXXXs well reputed and I used the link they sent me. I checked that all the URLs were Remitly.com so I don't suspect I was on another site. I then initiated the process again and ended up mistakedly with XXXX transfers for the same thing. XXXX notified me that my transfer was pending because they needed more information. They prevented me from logging in to further process anything online. On the login I was give a screen with only XXXX options to call them. 

I XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX  do not work. Eventually I got the on chat and they called me. They passed me through XXXX agents and then started asking what I thought was invasive information about the recipient, what was I paying for, I said a service, they wanted to know the specific service, and they wanted to know my physical location as well. This XXXX XXXX for a financial service that already had all the account information to process the transfer. 

I had supplied Passport photo, facial video that their site requested. I requested with the agent that both transactions be cancelled, she told me that " made her XXXX  that I was cancelling my transactions '' ( bizaare language choice for a financial company ) and assured me they had been cancelled. I received emails saying as much. On the Remitly account they show as cancelled The next day a transaction went to my bank for $ XXXX. It is pending so I have to wait until it finalizes to dispute it with my bank. SInce it is a debit card it is difficult to force resolution ( sadly. ) What am I reporting? XXXX customer service for a payment processor, recommending to others not to use this company if they value peace of mind, and posting a withdrawal to my bank after I cancelled my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: PA

Complaint narrative:
XX/XX/XXXX I made my last payment of {$82.00} I had a balance with late fees that I asked to be removed but they said no XX/XX/XXXX {$3700.00} now they are asking me to pay {$4400.00} to take me to court which I received the paperwork opened with a breech of privacy it was sent to the wrong house. And a random man dropped it off XX/XX/XXXX. In XXXX of XXXX I called the credit card account and told them that because of my XXXX XXXX XXXX  and me living with them if they could pause my payments because I was waiting to be XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and told them I would be moving which is the new address they have on file. They arent helping with access to the account to check the statements or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Homeward, Inc.
State: TX

Complaint narrative:
On XX/XX/2022, we received a closing disosure, showing we would be required to prepay 2 months of property tax for a total of {$1600.00}. On XX/XX/2022, 6 days before closing, we are now expected to prepay 12 months of property taxes for {$7900.00}, the full tax bill. We are entitled to homestead exemption for 20 % reduction of taxes in Texas. They are not taking it into consideration either. 

On the XX/XX/XXXX closing disclosure, they are charging us XXXX for an appraisal in section B, and then another XXXX for an appraisal fee in section K. No explanation was given. 

This was a part of the cash up front program, where we agreed to have our mortgage company buy the home with cash, and rent it to us until we sold our house and bought it from the mortgage company. They are charging us for 30 days rent, when we will have only rented it for 24 days. 


My rental agreement shows a total of XXXX a month, on the closing disclosure they're charging us XXXX for the full month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is now reporting I owe {$36000.00} on a debt that's been discharged on XX/XX/. This is a violation of my rights.

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 2022-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
My XXXX and I are XXXX  military and live in a house which has a VA XXXX XXXX. The loan and title has both our names on them and the loan is currently serviced by Amerihome Mortgage. We XXXX XXXX  recently and I have acquired a position with the XXXX XXXX XXXX ( Government service ) in XXXX. I leave early next year. Our VA loan has an assumption clause and on XX/XX/XXXX, we requested the paperwork be sent to us to get the process started. My XXXX is taking over the loan and house as I wish to have the loan responsibility removed from my credit. We did not receive the paperwork until XXXX XXXX. After filling out the paperwork, we chose to email a scanned copy to the XXXX  department as described on the paperwork on XXXX XXXX. Their auto email response states to give them XXXX business days to process. On the XXXX business day ( XX/XX/XXXX ), after no response, I called customer service to see what was going on. On this call, I found out a couple of facts. First, no one can contact the XXXX  department directly. Secondly, the paperwork we submitted was only to request the actual paperwork to start the process! The customer service agent started a workorder for the XXXX  department to contact us. She stated to give it a couple more days for them to contact us. At this time I also sent an email to the XXXX  department to see if they would respond that way. Since then, no response and I have called XXXX more times. The second to last time, I insisted I talk to a higher level who can affect the situation more expeditiously. Customer service connected me to the escalations department on XXXX XXXX. I found out that someone closed the original call-in workorder. Escalations re-opened it. They also sent an email to the " Research Team '' in order to investigate. Again, I was given a timeline of a couple of days. The final time I called, XXXX XXXX, the escalations specialist stated that the workorder is still open, but nothing has changed. She did state that XXXX  usually doesn't take this long and she didn't know what's going on. Bottom line, once the paperwork is actually submitted, Amerihome says the process could take up to XXXX months! My time is limited and we need to get this going. I believe it is terrible business policy that customers can not get in touch with XXXX  directly to be given a progress update. We are in the dark. We started this on XX/XX/XXXX and haven't progressed very far at all. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-26 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-26 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-26 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
Back around XX/XX/2022 I made two cash deposits at a convenience store loading a total of {$900.00} into my chime account. Shortly after I made the deposit I discovered my account had been frozen and when I contacted Chime I was told my account was closed due to suspicious activity. How does one deposit cash into an account and is told the deposit is suspicious. They requested I verify my identity which Ive done several times and have had no response or no access to my funds. I would seriously like my money back. I even provided them with photocopies of my receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is now reporting I owe {$36000.00} on a debt that's been discharged on XX/XX/19. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NorthShore Financial, L.L.C.
State: TX

Complaint narrative:
Hello, Ive been charge the total of {$410.00} from services of NorthShore XXXX XXXX XXXX  on XX/XX/. On this day I had to go XXXX Room with intolerable levels of hardship, due to an accident during my first day of work. The companys insurance was supposed to provide help. I never heard back from them and I dont have the money to pay for it. Im still injured.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-26 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: VA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2022-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I never received my escrow refund checks for loans : Mortgage Loan XXXX XXXX XXXX XXXX {$3600.00} Mortgage Loan XXXXXXXX XXXX XXXX XXXX XXXX {$4200.00} use edisbursement and deposit this money into my checking account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AZ

Complaint narrative:
I had 3 unauthorized transactions on my account from an ATM. I informed CashApp the second I found out about them. One was for {$460.00} on XX/XX/XXXX, XXXX the other was for {$300.00} on XX/XX/XXXX, at XXXX and the other was for {$180.00} on XX/XX/XXXX, at XXXX. I did not authorize these transactions, my debit card was canceled as a result and the location said they had video evidence that it was not me performing the transactions but they would only provide that information or video I should say to whoever was investigating it. I told this to CashApp. They refused to investigate and just denied my disputes. I informed them of regulation E sec 205.11 and how it related to unauthorized transactions. They have denied these 5 times. They ignored me and then told me to call the police. But they were the ones accusing me of lying or committing fraud. As I would have to be in order for them to deny these. I have reached out to the over 200 times just be hung up on, ignored and be caught in their passive aggressive refusal to accept responsibility for their actions or lack their of. This company needs to be thoroughly investigated for rights violations and banking fraud. They need to be put out of business for good.they are a prime example of what is wrong with financial institutions today in the United States. Cash app also installed malware on my XXXX which I have proof from XXXX I had to reset my XXXX as a result and it cost me pictures of my XXXX XXXX XXXX that I will never get back. Attached is proof. Look up the doimains they installed the I called them all day. They took over my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2022-11-26 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: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

Company response to consumer: Closed with explanation