vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, Please remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, Please remove it from my credit report

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 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX. Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear. CAINE & WEINER COMPANY INC XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am XXXX XXXX XXXX XXXX XXXX XXXX, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX {$6.00} Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$82.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$6.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$82.00} Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$6.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$82.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX  Collection Closed {$8200.00} Reported XX/XX/XXXXXXXX XXXX XXXX Collection Closed {$600.00} Reported XX/XX/XXXXXXXX XXXX XXXX  30+ days late Closed {$0.00} Reported XX/XX/XXXX Installment XXXX XXXX On time Closed {$0.00} Reported XX/XX/XXXXXXXX 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX  XXXX {$6.00} Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$82.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$6.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$82.00} Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$6.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$82.00} Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Collection Closed {$8200.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Collection Closed {$600.00} Reported XX/XX/XXXX XXXX XXXXXXXX 30+ days late Closed {$0.00} Reported XX/XX/XXXX Installment XXXX XXXX  On time Closed {$0.00} Reported XX/XX/XXXXXXXX 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 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XX/XX/2023 we received communication our mortgage was sold to PNC bank and we are to send XX/XX/2023 payment to PNC Bank XXXX XXXX XXXX, XXXX, CA. We sent payment on XX/XX/XXXX with the address provided. see attached letter. 
Now XX/XX/2023 we get new statement stating we did not send XX/XX/2023 payment. 
Contacted the bank several times, filed complaint with the bank, no help or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked into my credit report, which made me very depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % accurate in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are attached below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I purchased XXXX XXXX XXXX XXXX XXXX necklaces in XXXX. 

On XX/XX/XXXX  I purchased 1 at {$680.00}. On XX/XX/XXXX  I purchased another that I was charged {$680.00}. Both purchases were confirmed by their service personnel as full credit within 30 days. 

I returned both in the same package on XX/XX/. 
I received a credit of {$440.00} on XX/XX/XXXX  and another credit of {$490.00} on XX/XX/. 

Total charges were {$1300.00}, partial credit received was {$940.00}. I called XXXX XXXX, spoke to customer service and was told a supervisor would contact me with 10 days. Nine days later I received a voice mail message from " XXXX '' who said there was a restocking fee with returned items and that is why I did not receive full credit. 

This is when I contacted Citi Visa to dispute the missing {$420.00}. Now after 4 months of dealing with Citi Visa they sent a letter to my online Citi account saying due to the amount of time since the original charges they no longer have any recourse on my behalf. Citi Visa made mistakes from the beginning over credits, conditional credits and credit reversals. Citi Visa has charged my account and extra {$680.00}. Citi owes me {$680.00} credit plus the {$420.00} they never resolved with XXXX XXXX. 

It absolutely has taken me a long time to try to get this resolved. 

Citi Visa never got the amounts correct, never done the right thing by standing for me, they have only allowed time to go by without ever persuing the correct amount I should have been credited by XXXX XXXX in XXXX! Three months later they give up and charge my account again! I am absolutely disgusted with XXXX XXXX for not properly crediting me the full charges stated in their their policy and 3 of their employees, 2 when I purchased and again when I called to verify the return mailing address stated. I am more disgusted with Citi Visa for not properly addressing my dispute, doing anything about it other than charging my account incorrectly and now for totally dropping the ball. They need to credit my account {$1100.00} immediately. I will then pay the balance on the account and cancel the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Why is Navient allowed to NOT disclose the full MONTHLY interest amount due on my XXXX  loans on it's website or on my monthly statement? It's impossible to determine how much I need to pay to cover all the interest due on my {$120000.00} student loan debt. Right now, my total debt INCREASES every month because I don't know how much I need to pay to cover interest without CALLING Navient and sitting on HOLD. 

Why is Navient allowed to not FULLY & CLEARLY DISCLOSE the monthly interest accruing on my loan on it's website or on my monthly statement??? The total monthly interest is NOT on my a MONTHLY STATEMENT and IS NOT disclosed on my ON LINE account. 

They tell me I need to a ) figure out the daily interest and then multiply it by the days of the month, or b ) compare two statements from different months and calculate the difference in the statement balance to determine the interest. Huh?

They INTENTIONALLY obfuscate the monthly interest amount due. Something needs to be done about this. There is a student loan crisis in the US and Navient is INTENTIONALLY making it difficult for borrowers to learn the TOTAL monthly interest amount accruing on their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX  my wife tried to load {$260.00} into my cash app when cash app wouldnt let her so she sent it to me thru XXXX XXXX and I sent it to my cash app so I walk to the store on the phone with my wife my XXXX XXXX when my XXXX XXXX went dead so I had to pull my phone out my back pocket where my card was and I had a little piece of paper with PIN number on it and it fell out my pocket so I tried to retrace my foot steps to located my card while I was searching for the card I received an alert to my phone saying {$260.00} was taking from my account so I immediately contacted cash app via phone call and the app to try to stop it but it was to late so an agent assist me with filing a dispute and told me it would take 10 days to get it resolve after 1 day I received and email stating my dispute was denied its seem as if cash app is not protecting consumers money when it comes to fraudulent transaction me and my wife work to hard for our money and for someone to steal it and get told your dispute is denied confirms cash app supports fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
While using WF there was so many fraud happening and it makes my account goes overdraft and have to wait on the reimbursement.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove this item on my behalf and this is greatly affecting me and my personal life. 

XXXX XXXX XXXX XX/XX/2019 {$11000.00}

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 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
Gemini Trust Co, they have changed my phone number in order to prevent me get into my account. It has been more than a year since I have tried to get into my account to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
At the beginning of XXXX  I requested a loan modification from Mr. Cooper. Over the course of the year they have requested mutliple documents from me in addition to statement of explanations. I have provided the documents they requested as well as the statement of explanations but they continually requested updated documents. Finally when they accepted all my documentation on XX/XX/2023 I was advised by one of their representatives that it would be in underwriting for up to 30 days. On XX/XX/XXXX they denied my a modification after months of me submitting and resubmitting the documents they requested from me. It leads me to believe they have no interest in working with me trying to modify my loan and help me keep my home. 

I also notice on my XXXX mortgage statement and noticed there was a what they referred to as " Maintenance Fee '' in the amounts of {$200.00} and {$500.00} totally {$700.00}. I asked the representative what the charges were for and they did not have an answer. I subsequently spoke to another representative and she advised me it was for a utility ( water ) lien on my home. I could not understand why there would be a lien when my water bill is current. She sent me a screenshot of what was showing on her screen but it is illegible. I called my water company and they confirmed there was never a lien on my home. I call the City of XXXX XXXX and spoke with the tax department and they confirmed there hadn't been a lien on my home. I call the XXXX XXXX Municipal Authority and they said they don't put liens on homes. There was mention of my home being vacant which it has never been. I have confirmed multiple times with Mr. Cooper 's representatives that I occupied the residence. I also just received a letter dated XXXXXXXX  from Mr. Cooper stating that I requested an appraisal along with the appraisal. I did not request an appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I signed up for credit monitoring and noticed some unauthorized inquiries on my credit report. Please remove, i did not authorize these inquiries, nor do i have any knowledge of them at all.

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 2023-12-21 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I am writing to formally dispute the presence of these unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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