vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In Accordance with Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts Names and account Numbers are as follows : XXXX XXXX XXXXXXXX, 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 HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing ay 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 9 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer-reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In Accordance with Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts Names and account Numbers are as follows : 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 HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing ay 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 9 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer-reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Dear CFPB : We are currently in the process of selling our home at XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXXXXXX. The mortgage was originally held by XXXX XXXX, but was later acquired by US Bank XXXX XXXX XXXX ; XXXX, XXXX XXXXXXXX. 

We obtained our mortgage through US Bank in XXXX of XXXX for a total of XXXX XXXXXXXX, with a {$7500.00} down payment assistance loan from XXXX XXXX, Florida. We paid our mortgage- with a couple of hiccups in XXXX due to XXXX  - up until the XXXX crisis struck. 

In XXXX, we had paid the mortgage down to a balance of {$53000.00}, but, due to the XXXX assistance mortgage payment moratorium we also rewrote the mortgage to the tune of {$8600.00}. Now, please explain to me how a SINGLE YEAR of " ASSISTANCE '' could possibly equate to HALF of what we paid in mortgage and interest fees over the course of XXXX XXXX So now that we are selling our home, the full payoff amount equates to {$69000.00}!!! This EFFECTIVELY means that over the course of the XXXX years that we've spent in our home, we have paid a WHOPPING {$89.00} towards the ownership of our home!!! Who in what office has lobbied and written this type of legislation? 

This is exactly why the American people remain financially imprisoned and why the top XXXX XXXX continue to accumulate wealth on a DISGUSTINGLY IMBALANCED scale. Had we known that the COVID " Assistance '' was going to reset our mortgage COMPLETELY - minus {$89.00} - I would have just gone to work, even though XXXX XXXX XXXX XXXX XXXX XXXX Oh, wait, that would have been inconsiderate, because I could possibly have contributed to the illnesses and deaths of so many other people. So that's not right. BUT what your legislation allows banks to do is the preferred solution? TO ROB PEOPLE and keep them in perpetual financial servitude is YOUR ANSWER? 

This is not acceptable, and it certainly isn't right.

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 2022-11-29 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: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
This company has never been given consent by me to communicate with me regarding an alleged debt, nor to furnish information to my consumer report. Doing so, without my consent is an infringement upon my privacy and a direct violation of federal laws. 15 USC 1692c ( a ) as well as 15 USC 1681b ( 2 ). I am demanding that this company delete this account from my consumer report and Cease and Desist any and all communication with me as it relates to the collection of any alleged debt ( s ) by/through all means except for the United States Post Office . 

This company furnished this same account/information to my consumer report TWICE!! 

No consent is identity theft. I will also be filing a complaint with my states attorney general, Florida 's state attorney general, the XXXX XXXX XXXX as well as the U.S. Department of Health and Human Services for possible HIPPA and privacy rule violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Purchased Home XXXX XXXX Month Later Rushmore Purchased loan. 
Began payments XX/XX/XXXX with compounded taxes and insurance as usual. 
10 months later after paying for insurance tried to make a claim for a burglary. 
Contacted Rushmore XX/XX/XXXX to confirm Insurance policy # they had on file. 
After confirming contacted XXXX and found out that Rushmore had the wrong policy number on file and that the correct policy number was canceled in XX/XX/XXXX. This is Negligence. 
I got an email from an XXXX agent confirming I had insurance in XX/XX/XXXX covering XXXX. 
Contacted XXXX  to correct the issue and was ignored for weeks. Have emails and left phone messages and got no response or resolution. 
Then XXXX XXXX hit and she still did nothing to help before. Heard from her after. 
Now I have 2 claims that I don't have insurance coverage for that I thought I did. This is Fraud. 
XXXX told me I had to get forced insurance through Mortgage and 2.5 times as much to cover. 
Was misled in emails that this insurance would cover both claims. Added to the agreement that I was not at error or responsible and only agreed to the waiver if I received the same coverage and cost I agreed to and was fraudulently paying for. 
After 3 weeks I got a call saying the insurance doesn't cover the Burglary. Complete deception. 
Now they are acting like this was my fault and ignoring me. 
I am not responsible for this problem but am being punished for it. 
I demand that I get the insurance coverage that was contracted for. 
This is negligence and fraud on behalf of both the XXXX broker and the Mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: CO

Complaint narrative:
My wife, XXXX, set up a new bank account with XXXX XXXX on XXXX XXXX 2022 and wished to fund it. I linked this Discover account to it to fund it, and then authorized several {$2000.00} transactions to fund it. However, I or my wife never authorized a {$10000.00} transfer to the XXXX account. Shortly thereafter, on XX/XX/2022 a transfer for {$10000.00} was initiated from somewhere with my wife 's name, with the directions that it was to come from the Discover accounting ending in XXXX. I thought it might have been XXXX, so I looked at that account to see if any {$10000.00} transfers had been initiated with them. None had been, ever. Not just for XXXX XXXX -- there has never been a {$10000.00} transfer either requested or received. To confirm that there hadn't been a problem with their system, I requested a trace number from you and provided it to them. After checking their system, they confirmed that they had no record of that trace number ( XXXX ). I also confirmed with the other banks where my wife has an account that they had no record of a {$10000.00} transfer or that trace number, and they confirmed that they had no record of it. 

In short, Discover transferred money to a third party without my consent, and has no meaningful record of who they transferred it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX as hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX/QUICKEN LOANS - XX/XX/XXXX I'm not sure why XXXX XXXX  keeps pulling my credit. they always send me letters in the mail stating I'm pre-qualified for a credit card and i have never ONCE applied for them. As for XXXX, I don't even know who that is and why would anyone apply to the same consumer that close together?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: CORELOGIC INC
State: CO

Complaint narrative:
I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX as hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CREDCO - XX/XX/XXXX CREDCO - XX/XX/XXXX CREDCO/XXXX XXXX - XX/XX/XXXX I'm not sure why XXXX XXXXXXXX keeps pulling my credit. they always send me letters in the mail stating I'm pre-qualified for a credit card and i have never ONCE applied for them. As for Credo, I don't even know who that is and why would anyone apply to the same consumer that close together?

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 2022-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Qualify for my capital one online banking auto access

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NY

Complaint narrative:
My chime account says I have XXXX dollars and XXXX cents. Customer service at chime says I have XXXX dollars. How could that Be? They said it would take to XXXX XXXX XXXX  to look into it which is a totally unacceptable period of time. Money disappearing and I get direct deposit whats going to happen now. Tomorrow I get paid and can't access my account because they Chime froze it after I complained. 
Sincerely, XXXX XXXX XXXX XXXX XXXX cell XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was notified Capital One closed all my accounts including the ones Ive had long term in good standing. They closed all accounts because of one I fell behind on, a new card. 
I called and spoke to senior account supervisor XXXX XXXX on XXXX ; She was unable to tell me which part of the agreement I violated which resulted in accounts in good standing to be closed. She refused to advise me where to look to see what I violated because she didnt have it in front of her Insisted she had to email me the agreement which I have not received. 
She advised me that there are no financial advisors and they can only read off of their templates. If they are able to help with the templates they will otherwise they will not. They have to stick to the templates. 
When asked what they planned to report to credit bureaus for the closed accounts in good standing she advised they had to put all my accounts in negative standing in order to report, which would make reporting fraudulent, however on their end it would be considered accurate reporting. She constantly acknowledged other accounts paid for in a timely manner and paid with more than the minimum payment balance due. However she stated they would be closed and reported as negative closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone stole cXXXX XXXX XXXX check an the deposited it at 5/3rd bank someone forged my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act the companies listed numerically below are violating my rights. 

XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXXL XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX  Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX  Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) AD XXXXXXXX XXXX  Account # XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am currently attempting to purchase a home. XXXX XXXX XXXX is creating an issue on my credit report by reporting that I was 30 days past due for the month of XXXX. To be considered 30 days past due you need to be late 30 days past the payment due date. The payment is due on the XXXX of each month. They received payment for previous month on XX/XX/XXXX, an attempt of payment was done on XX/XX/XXXX which was returned and repaid on XX/XX/XXXX. Since the payment is due on the XXXX of each month this payment would not be considered 30 days past due until XX/XX/XXXX. Why because the payment was due XX/XX/XXXX. I have attempted to contact XXXX several times and I keep getting the run around. The last person I spoke to with the resolution team stated that the credit reporting team states that the payment is considered 30 days past due because it was 30 days past the last payment. That makes absolutely no sense. What if one month I decided to pay the lease early on the XXXX and then the next month I decided to pay it on the actual day its due which is the XXXX then they would report to the credit agency as me being late? Thats ridiculous Ive never heard of such a thing. They are falsely reporting incorrect information and this preventing my mortgage from going forward. Conveniently their credit reporting team has no phone number to speak to so Im left with no resolution. I want to correct this with all three credit reporting agencies immediately.

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 2022-11-29 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: MN

Complaint narrative:
I wanted to purchase a dish washer, washer, dryer, and stove and this was around when covid hit. Although they said they were not going to set them up/ hook them up, so I then said cancel the whole order. And they are still trying to bill me for the services, which I cancelled with order. They are constantly harassing me, via phone and mail, and email. But said they refuse to work with me. Now all Charges have sky rocketed, and they are hurting my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
These guys realize that there was a mistake made They removed it from the credit report on XXXX the XXXX And now they have put it back on the credit report as of XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My issue is an overfunded escrow account which has increased my monthly payments to {$360.00}. mth. The first time this happened, my mortgage company told me my taxes had increased. I'm a senior with senior freezes and homeownership freezes. After investigating with the county, for some reason, Shellpoint was estimating my taxes higher. At the end of each year, I receive a refund. I was paying {$1100.00}. mth, and my monthly payment should have been {$880.00}. mth I live on a fixed income with little room to waggie. The issues in XXXX  the mortgage company again raised my monthly payment. Again I protested and came to the point I could no longer make the payments. On the XXXX of each month, I sent {$1000.00}. They would accept the payment and mark my credit late for 10 months. I was in constant contact but they said they couldn't do an escrow analysis until the end of the year and sent me a check in XXXX for the overpayment. 

Now, after a two-year fight, I have bad credit. This is my problem. I've asked the mortgage company to correct my credit report since I was only supposed to pay {$880.00} mth. I'm looking to see if I have any rights to make the mortgage company change its reporting. Attached is the XXXX XXXX tax bill amount and how much they paid. I sent them a request and their responses need more info XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 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: TX

Complaint narrative:
I sent in several dispute letters that these accounts are not validated and theres no proof of my signed signature on the documents and no valid proof these accounts belong to me I sent in several dispute letters of removal these accounts werent investigated properly

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 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022, I made multiple payment to Capital one bank for my credit card account. 

On XX/XX/2022, I made a payment to capital one for my credit card account. 

On XX/XX/2022, The payment was posted and received by capital one bank. 

On XX/XX/2022, I find out my available credit didnt update to my account so I made phone call to capital one, asking whats going on, the answer I get from the bank is because I made many payment to my account on XXXX, so the bank will hold my available credit until XX/XX/2022, which over a month, even the bank has received my payment. And no one can answer why and whats the reason for that, because thats over billing cycle, its like a punishment for I make multiple payment within 1 months and froze My account.

Company response to consumer: Closed with explanation