vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 2022-08-11 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: EQUIFAX, INC.
State: GA

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 719XXXX has me at a score around 590. 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Saint Services LLC
State: CA

Complaint narrative:
I hire Credit Saint for repair my credit, they offer me the best package for initial payment of {$190.00} dollars and $ XXXXmonthly payment after that.

they told me if after 90 days no result they return the money when the 90 days my account still almost the same they remove 3 items on XXXX the same in XXXX nothing in XXXX when I called at 90 days they told me wait for another 45 days to remove for items they schedule a call at XX/XX/XXXX XXXX ; XXXX XXXX but nothing was removed still the same. when i tried to cancel a manager called me telling they don't return the money because they working on it and suddenly appear in the web site of them XXXX items removed on XXXX and XXXX XXXX around 6 We started on XX/XX/2022 they collect the first payment of {$190.00} XX/XX/XXXX second payment XX/XX/XXXX {$110.00} Third payment XX/XX/XXXX {$110.00} Fourth payment XX/XX/XXXX {$110.00}

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Amazon store card Synchrony closed my account because they refused to credit my account for refunds on returned merchandise and I filed complaints with the CFPB

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 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
After paying mortgage insurance premiums for 6 months on my mortgage loan, I contacted United Wholesale Mortgage on XX/XX/21 and asked them to remove the mortgage insurance. The purchase price for my home was $ XXXX. The home, at the time, was worth $ XXXX $ XXXX. I provided my mortgage statement, an XXXX, and showed that I could make the payments for 6 months. UWM refused to remove the mortgage insurance on XX/XX/21. They said that I needed to prove that I had done enough work to the house to merit what was already plain as day : that the LTV  should not be based on the purchase price. I should mention that the XXXX that I provided was obtained directly from their website. OR that I needed to wait to " season '' my home 2 years before they would consider *charging me for an appraisal* in order to get my PMI removed OR I could pay {$36000.00} off on my loan to get the fraudulent LTV adjusted XXXX 
The point of mortgage insurance, I thought, was to protect the lender from losing money on the home if I failed to make payments. I proved beyond a shadow of a doubt that in the event that my mortgage foreclosed, UWM would *profit*. I wrote back to them on XX/XX/21 stating again that the equity in the home more than covered any risk involved. UWM wrote me back on XX/XX/21 stating that " We must adhere to investor guidelines as it relates to the removal of PMI. '' UWM also completely botched up my escrow account, first telling me I had an overage and sending me a check for the excess, then raising my mortgage by almost {$500.00} per month after they realized that they do not know how to do math or properly account for property taxes. California property taxes are always reassessed when a person purchases a home. The property tax rate is based on a percentage of the assessed value ( which, by the way, is assessed at over $ XXXX so, again, the PMI is unnecessary ). Yet UWM completely failed to account for this ( obvious ) fact and set up my escrow account with the previous owners ' property tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXXXXXX XXXX XXXX ), account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), account # XXXX ( XXXX ) and account # XXXX ( XXXX ) has violated my rights. 

15 U.S.C. 1681 sec. 602A states I have the right to privacy.

15 U.S.C. 1681 sec. 602A sec 2 it also states a consumer reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX XXXX ), account # XXXX XXXX XXXX XXXX XXXX  ), account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ), account # XXXX ( XXXX ) and account # XXXX ( XXXX ) has violated my rights. 

15 U.S.C. 1681 sec. 602A states I have the right to privacy.

15 U.S.C. 1681 sec. 602A sec 2 it also states a consumer reporting agency can not furnish an account without 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 2022-08-11 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXXXXXX XXXX CBNA/XXXX XXXX XXXX XXXX XXXX TN XXXXXXXX Re : Unauthorized Credit Inquiry To Whom it May Concern : I recently obtained a copy of my credit report from my credit monitoring company, and it reflects two hard inquiries on my XXXX XXXX  credit report . I have researched these with the reporting bureaus, and they are not linked to any open accounts that I have currently open nor in the past. They have stated that I need to dispute directly with our company. 
These inquiries were processed without my knowledge and were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
XX/XX/2022 CBNAXXXX XXXX XXXX  XXXX XXXX TN XXXX Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via CFPB website as it not only requires your prompt attention but reflects the attempts that I have made to resolve this issue. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I am requesting that you provide me with the original documentation showing identification used and authorized signatures within the 30 days as required by the FCRA. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX of SS # - 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 2022-08-12 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 explanation
Consumer complaint received 2022-08-12 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: EQUIFAX, INC.
State: NJ

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 719XXXX  has me at a score around 590. 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: MI

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 719XXXX has me at a score around 590. 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 2022-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In early XXXX I opened a joint account with my wife with XXXX  ( sub of Webster Bank ). After opening the account, I registered for online banking, and immediately connected a few of our other accounts so we could make ACH transfers of money into our XXXX XXXX account. 

The bank did all the verification, and I had an external account connected. The said external account is in my wifes name, who is also on the account of our XXXX account. 

On XX/XX/XXXX, I transferred {$120000.00} from my wifes XXXX XXXX account into my account. XXXX initiated the transfer, pulled it from XXXX and since that date the money is frozen with XXXX. 

They indicate because the accounts dont match they can not release the funds. If that is the case, I asked them to send it back to XXXX XXXX so its in my wifes account. 

This has been going on for a month now and I still dont have access to my money. 

Considering we opened a joint account, and the money comes from one of our accounts Im not sure why this is so hard. With that said, if the bank has a policy both our names have to be on all accounts that send money, then that is fine but then simply reject the transfer and send it back to my wifes bank account. 

This shouldnt be so hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Re : Unauthorized Credit Inquiry To Whom it May Concern : I recently obtained a copy of my credit report from my credit monitoring company, and it reflects two hard inquiries on my XXXX XXXX credit report. I have researched these with the reporting bureaus, and they are not linked to any open accounts that I have currently open nor in the past. They have stated that I need to dispute directly with our company. 
These inquiries were processed without my knowledge and were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
XX/XX/XXXX Synchrony Financial XXXX XXXX XXXX XXXX OH XX/XX/XXXX Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via CFPB website as it not only requires your prompt attention but reflects the attempts that I have made to resolve this issue. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I am requesting that you provide me with the original documentation showing identification used and authorized signatures within the 30 days as required by the FCRA. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX XXXX Last 4 of SS # - 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 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ARVEST BANK GROUP, INC.
State: IL

Complaint narrative:
Contacted my arvest bank XX/XX/XXXX and XXXX in northwest Arkansas to submit a fraudulent claim of theft XXXX transfer XXXX $ not authorized by me. phone was stolen with account info on phone. Bank denied claim stating it wasnt banks error so money would not be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: NY

Complaint narrative:
i have noticed several inquiries on my credit report which was not authorized be me

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 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2022, I ordered a product for brush control in the amount of {$78.00} ( Total charged to my Pay Pal account {$84.00} ( including {$6.00} fee ). I never received a confirmation of my order, so I contacted Pay Pal and filed a dispute. They claim the money was refunded, but it is not yet reflected on my account.

Instead of processing my order, the vendor treated it like a money transfer using my account. Here is the information I have on the vendor : Case ID : XXXX Disputed amount : {$78.00} USD Seller info : XXXX Date reported : XX/XX/2022 Pay Pal has failed to communicate further with me about this. I have attempted to contact them.

Company response to consumer: Closed with explanation