vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I received an email from a company called XXXX. According to their email their contact information is XXXX, phone number XXXX and their mailing adddress is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ks XXXX. They emailed my email address which is XXXX with information about my sister XXXX XXXX owing a debt to LVNV funding LLC with the amount owed of XXXX. This is a violation of the FDCPA, not only did they send this information to the wrong party, they disclosed amounts and dates of the debt, possibly to try and embarass my sister.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: VA

Complaint narrative:
My right to privacy is being violated by XXXX, in accordance to 15 U.S.C 6801 ( a ) FCRA. I have the right to privacy of my personal information. I find the obtaining, selling, and furnishing of this XXXX XXXX Bankruptcy information to be an invasion of that right and demand that the bankruptcy accounts be removed immediately from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE 2 COMPANYS HAS VIOLATED MY RIGHTS 15 U.S.C SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C SECTION 604 A SECTION 2 .IT ALSO STATE A CONSUMER REPRTING AGENCY CAN NOT FURISH 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 2022-06-23 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE 2 COMPANYS HAS VIOLATED MY RIGHTS 15 U.S.C SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C SECTION 604 A SECTION 2 .IT ALSO STATE A CONSUMER REPRTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX submitting this complaint against CREDIT COLLECTION SERVICE and their is no third party involved. 

This company has violated my rights under the Privacy Act of XXXX. I HAVE A RIGHT TO PRIVACY, according to 5 U.S.C. 552a.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am 100 % XXXX veteran with sole income from XXXX. My Va XXXX gets deposited into Current Bank checking ending in XXXX. On XX/XX/XXXX, I transferred {$1000.00} of my XXXX check to Navy Federal Savings account ending in XXXX. That same day Navy Federal withdrew {$790.00} to pay a charged off credit card from 10 years ago, that has since been closed and removed off my credit report. There was no warning that they were going to use those funds to pay off debt. When I informed Navy Federal that they has used my VA XXXX check I transferred to pay my rent, they informed me that they did not care that the debt was from 10 years ago and that they were not going to return the money despite me needing this VA check to pay for necessities such as housing. I have no other income. I informed them that it is illegal to collect VA XXXX to pay debt, they informed me that it came in by transfer so therefore the law didnt apply. However, it doesnt change the fact that my XXXX check was used and I informed them that I can provide proof that transfer came out of my XXXX check. This has put me in a great financial bind. The bank is not hurting financial over a {$700.00} debt from 10 years ago. However, for me it makes the difference between having a roof over my head and not. Navy federal does not care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
XX/XX/22 purchased VISA VANILLA AMOUNT TO BE ON CARD {$75.00}. XXXX XXXX XXXX XXXX  " UNACTIVATED ''. 
RETURNED TO XXXX, XXXX DIRECTS ME TO CONTACT XXXX 
THE MANAGER CALLED XXXX XXXX. CUSTOKER SERVICE. 
, I THEN HAD TO FAX COPY OF RECEIPTS AN DOCUMENT NOW THEY ARE WITH HOLDING MY FUNDS FOR 3_5 DAYS. I VANILLA VISA CARD- XXXX IS REFUSING REFUND VISA VANILLA CUSTOMER CARE IS WITHOLDING FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I applied for a mortgage loan on my home that I own outright in XX/XX/2022 because Chase was no longer doing HELOCs.

I was told I needed to put down {$500.00} as good faith funds ( which was a struggle for me ). I was given misinformation regarding the type of home appraisal that was needed. I was told it would be a drive by, it was not. In addition, they told me I needed to make {$5000.00} worth of repairs to my home before they would approve my loan. This was not something I could afford. 

I asked them to refund my good faith funds since I was misinformed on the appraisal and was never made aware that repairs of this nature could be a possibility. They refused to give me my funds back. 

I dealt with XXXX XXXX and XXXX XXXX originally. XXXX XXXX was nice at first until I began questioning the process and brought it to a supervisor 's ( XXXX XXXX ) attention that I had been having issues. XXXX then called me out of the blue on XX/XX/XXXX and harassed me telling me that she did nothing wrong, her manager was on her side, and that even if she had done something wrong I would never get my money back. I asked for a copy of the recorded phone calls, and she refused to give them to me. 

I made Harms aware of this phone call, but I never heard back, so I contacted his supervisor, XXXX XXXX. 

XXXX was the first person to get any forward progress. He said he would get all of the sales and lending managers together on the phone to discuss the issues. By XX/XX/2022, I received a phone call and an email from XXXX stating that I would be receiving a full refund of my good faith funds within 7-10 days of him closing out my loan file. 

I thought that was that, until I didn't receive a refund or an update in almost two months time. I reached out to XXXX twice this past month and finally received an email response on XX/XX/XXXX stating that my refund was actually denied and that I wouldn't be receiving my money. 

XXXX 's supervisor, XXXX XXXX, said this was due to a " policy change '' during my application process. 

I was never made aware of this change, I was never notified that I wouldn't be receiving my money back, in fact it was the opposite. I was told I would be receiving a refund, I was given a timeline, and an apology. 

Throughout this process I have been misinformed, talked down to, harassed, ignored, and blatantly lied to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I opened a new SoFi checking and savings account on XX/XX/2022, transferred {$5000.00} into the account from another bank, and set up the account to receive direct deposits. The next day, they froze my account without giving any reason, locking both the {$5000.00} I deposited and giving me no access or record of the direct deposit funds that also should have been sent to the new checking account I have tried calling their customer service fraud prevention line several times as well as reaching out to them through their XXXX account direct messages. They have been completely unresponsive providing me with no avenues to get information on the issue or resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have tried over a dozen times to reach EXPERIAN on the phone. They have made it impossible to speak to a live person. I have resorted to emailing their CEO, XXXX XXXX to have someone contact me. I need to speak to someone to thaw my credit freeze because I'm applying for credit.

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 2022-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I spoke with Prestige Finance in regards to my XXXX  XXXX XXXX at XXXX central time. I called to get clarification on the finance charge and its disclosure. I spoke with XXXX he said he was the advice collection president. When asking him to explain the finance charge to me he tells me that my down payment comes from this charge and also that the dealer is paid from the Finance charge. Which it also states in the contract also. But according to 15 USC 1605 The finance charge should be the sum of ALL charges. It also states it should not include fees or an amount imposed by third party. It also states that the interest should be included in the finance charge. If the finance charge is supposed to be the sum of everything home come it is considered as interest ONLY? 16 CFR XXXX XXXX XXXX due to the consumer when the consumer incur a finance charge. This is considered fraud and also a violation under the truth in lending act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NY

Complaint narrative:
all 3 XXXX Equifax and XXXX delayed by months to update score causing my score to be under there not reporting accurately or timely. Fico score not updating causing a financial hardship in my financial status please help in this situation thanks Also a car that was paid in Full in XX/XX/2020 is coming up as a charge off by XXXX financial i called and they will not remove they say its accurate charge off is incomplete collections vehicle was paid in full. During Covid 2 Companies went out of business closing XXXX  XXXX closing there credit cards although paid in full causing it to reflect on my credit even through hardship paid. I was not at fault they dissolve company it should not reflect on me XXXX XXXX not allowing any late pays or hardships to be over looked charged everything i paid and reported negative on my score XXXX XXXX offering credit card upgrade not explain its a new card and hit in there store on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The debt that XXXX XXXX  for XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, and XXXX XXXX  is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for XXXX XXXX  for XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX  is XXXX. It has been more than three years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The debt that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Simply be is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for XXXX XXXX  for XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX is XXXX. My account number for XXXX XXXX  XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX XXXX XXXXXXXX. It has been more than three years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The debt that XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Simply be is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for XXXX XXXX  for XXXX XXXX XXXX is XXXX. My account number for XXXX Bank for XXXX is XXXX. My account number for XXXX Bank XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX XXXXs XXXX. It has been more than XXXX years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.

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 2022-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
1. In/about XXXX XXXX, my wife and I applied to Bank of America N.A . to refinance the loan secured by a mortgage on our home from another bank. We applied via BofAs office in XXXX, NJ where we have for decades maintained a checking account. 

2. The office put us in touch with a BofA lending officer through whom we completed the application process in early XX/XX/2021. 

3. On XX/XX/2021, the lending officer called and later dated XX/XX/XXXX letter arrived, each said our application was denied. 

4. To the question why, the officer replied based on the materials submitted. I asked for an elaboration but she didnt give one.

5. Also during the call, the lending officer refused our request for the materials-whatever the medium or format in which they were created and maintained-that were used in taking the decision to deny us. 

6. She referred us to another BofA person-with the title Assistant XXXX and a different office address- because we wished to further pursue our questions and requests. He did not reply to our written requests for reconsideration. 

7. Despite the lending officers earlier refusals, later that day she sent me an email showing our monthly income of {$10000.00} was {$220.00} less than the required percentage per their underwriting requirements. 

8. Our complaint is based on the fact that BofA omitted the following items from our income shown in the email : Federal tax saving on 15 % of exempt Social Security {$130.00} p.m. 

NJ tax saving on 100 % exempt Social Security income XXXX p.m. 

Federal & NJ tax saving on 100 % of Roth IRA income XXXX p.m. 

Wifes omitted interest income {$25.00} p.m. net of tax XXXX p.m. 

Total {$350.00} p.m. 

9. The omitted items exceed the short-fall by {$120.00}. Therefore it appears our application should not have been denied.

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 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I have a checking account with Bluebird.com from American Express.Yesterday ( XX/XX/2022 ), I made a {$20.00} gas purchase at a XXXX convenience store near my house in XXXX XXXX. Right afterwards I tried to use the ATM at that same store and my Bluebird card declined. So I checked the balance and found out my card was drafted over {$160.00} when I made the {$20.00} gas purchase. I asked the store clerk about it and she said its something they started doing on my type of card but the funds should be back on the card in XXXX minutes. It didnt happen, so I called XXXX XXXX and they told me it could take up to XXXX hours to get the funds back, if not call them back. I called them back today sooner than XXXX hours because I have bills that are Now Overdue Today because I had planned to pay those bills yesterday after I bought the gas. On a XXXX way conference call a XXXX agent and I called my Bluebird customer service and they informed me that it will take 5 DAYS FOR AMERICAN EXPRESS TO RETURN THE $ XXXX THEY PUT ON HOLD!!, NOW I WILL LOSE MY GOOD STANDING WITH MY CREDITOR!!! 
THEY HAVE DAMAGED MY CREDIT STANDING!!!

Company response to consumer: Closed with explanation