vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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: TX

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 2022-07-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 B States a consumer reporting agency can not furnish and 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 explanation
Consumer complaint received 2022-07-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 B States a consumer reporting agency can not furnish and account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
Good morning. My complaint is with the online banking company called Chime. About a month ago I was on vacation and I received an email saying that my account needed to be updated and I must provide them with the following information like driver 's license, social security card, proof of residence, like a utility bill, and proof of income. Also, I had a {$90000.00} deposit that I received from my XXXX the XXXX XXXX, and the rapid funds I sent to myself. I didn't immediately get the information to them, even though they said that I had 5 days to do so or my account would be locked. I have been with Chime for years and never encountered any issues. Also, this isn't the first time I've had a deposit of that amount deposited into my account. Two years ago I had an amount for maybe {$50000.00} deposited into the same account and there were no questions asked then and no problems. I made calls to Chime customer service pleading and many times complaining furiously about my account. Even after I sent them the information they sent me an email saying that they were unfortunately weren't going to be able to unlock my account with the information I had provided. I am the only person on this account. I don't understand why am I explaining the large amounts of money deposited into my account which is nothing new, and how I am using it. When I tried to call and speak with them now I'm just getting the run around. The XXXX of the month is coming up and I have rent and other bills to pay. I don't want my family and I to be outdoors because they want to be different. I sent one last email pleading my case three days ago and they still haven't responded back to my email. I have over {$47000.00} in my account and I told them before that I wasn't leaving it. I now turn to you guys for help in quickly resolving this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: NY

Complaint narrative:
I ask the credit bureau TransUnion to do a verification with everything on my credit report and they did and stated everything was accurate. I did a thorough research myself and found improper, inaccuracy on the credit report even after they did the thorough research. 

Trans Union credit Bureau XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXXXXXX XXXX  Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A section 2 .It also states a consumer reporting agency can not furnish a account without my written instructions l

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 2022-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I have no knowledge of this creditor also... 
In accordance with the Fair Credit Reporting act Spring Oaks Capital LLC 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 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing to notify you of the negligence that Wells Fargo has committed in regard to my mother 's accounts. Well Fargo accepted an invalid power of attorney that named myself and my mother 's partner as dual power of attorney. Not only was I not placed on the accounts as a dual power of attorney, but the power of attorney was also witnessed by my mother 's partner, which makes it invalid, yet somehow Well Fargo accepted it. I have subsequently had a new power of attorney executed properly, which names me as the sole power of attorney. I presented the new power of attorney, which revokes the prior power attorney to my Well Fargo branch on XX/XX/2022. I spent three hours in the branch getting the documents processed to be sent to the Wells Fargo office to update the power of attorney on my mother 's accounts. I am as of today, XX/XX/2022, still waiting for the accounts to be updated. I have called my branch, the Wells Fargo XXXX number, the complaint number and have been told repeatedly that maintenance is backed up but they will try to expediate things. I have been told I will be called back by management numerous times and no one calls me back. This is unacceptable and negligent behavior from Wells Fargo. I need to have this looked into and rectified ASAP.

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 2022-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I have submitted several request to Mr. Cooper/Nationstar to update incorrect reporting on my XXXX and XXXX report XXXX I have also requested the help of the credit agencies directly without resolve. They continue to report my mortgage was paid late, although that information is incorrect. My account was assumed by Mr. Cooper/Nationstar on XX/XX/XXXX, payment in full was received XX/XX/XXXX. 

The attached documents support my claim.Please take note, in the state of Maryland once a mortgage is sold. There is a sixty day period allowing for accounts to transfer and update for payment processing. 

I have requested correction, and Mr. Cooper/Nationstar continues to delay and falsely report my mortgage payoff. These inaccuarte remarks heavily affect my credit rating and livelihood. 

Attempts to resolve : Mr. Cooper/Nationstar XXXX Phone request XXXX Phone/ Email Request XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I contacted a few lenders to find the best mortgage interest rate for my first home purchase. When I decided to go with a lender who offered the best deal, I properly notified the other lender, Rocket Mortgage, of my decision. However, Rocket Mortage charged {$500.00} to my credit card on XX/XX/2022. Rocket Mortage said the charge related to a deposit that they used to order a credit report and third-party appraisal report. I never authorized Rocket Mortage to start the loan process as I just inquired about their interest rate. I asked Rocket Mortgage to refund the {$500.00} deposit, but they said it was not refundable. The deposit agreement indicates that if the application is withdrawn for any reason, they will refund the deposit minus the actual costs incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TX

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 2022-07-18 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 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 explanation
Consumer complaint received 2022-07-18 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: NY

Complaint narrative:
The accounts attached are in violation with the Fair Credit Reporting Act and have violated my federally protected consumer right to privacy and confidentiality. Please see attachment.

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 2022-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I used my Capitol One credit card to book a vacation for myself my daughter and my grandchildren, there was an issue while at the hotel. The hotel has promised me a refund. Credit card company has received evidence that a refund was promised. Credit from merchant or credit card has not been posted to my account. Credit card company is not honoring the refund that was promised to me or helping to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On XX/XX/2022, I made a payment of {$2500.00} from my XXXX XXXX XXXX  checking account via XXXX XXXXXXXX 's online billpay system, to my Marcus by Goldman Sachs XXXX XXXX. 
Payment was made referencing my XXXX XXXX credit card #, and in accordance with the instructions from Marcus XXXX XXXX. Funds have never been applied to my Marcus XXXX XXXX. I called Marcus approximately XX/XX/XXXX and they opened a ticket to search for the payment, but they claimed to have never found it. As of XX/XX/XXXX, the funds are still missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: DISCOVER BANK
State: OK

Complaint narrative:
Discover has been harassing me about owing on an alleged debt. I have contacted them several times about this including 6 phone calls, and a written debt verification letter. I also have sent a request to dispute through XXXX. 

The alleged loan does not identify me. This violates the ECOA for discrimination based on age. 

Discover sent a letter dated XX/XX/2022 and an email dated XX/XX/2022. The letters are in violation of the ECOA based on familial status, source of income, and several violations of the FDCPA Both letters are attached. They both threaten me in violation of the FDCPA. 

" Your full balance will be due immediately. 

Your account will be reported as a bad debt to the credit reporting agencies. 

Charge off status may remain on your credit report for up to 7 years. 

We will refer your account to a collection attorney to continue collection efforts on our behalf including the possibility of filing a lawsuit against you.. lawsuit against you.. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I contacted your agency for assistance about Bank of America and the fourclosure process in which I felt XXXX  fraudulently fourclosed on my home at the time and received a response from them through your " process of complaint '' proceedure. I am again asking your agency to investigate the " larceny '' of subterfuge behind closed door egregious and chicanery I was subject to while trying to get my mortgage modified. I was never able to get in touch with the person ( s ) to actually have the mortgage modification process proceed. In addition, I enlisted the help of the XXXXXXXX XXXX XXXX  to help and again they were stonewalled and received no help what-so-ever from XXXX. I am enclosing documents that directly contradicts what XXXX say 's they did and what actually transpired in their own admittance. Since I never started the process how could I have sent anything remotely resembling evidence to the contrary? Lastly, bank of america sent me multiple documents in hopes of quailing this inquiry but failed to send me any copies of said request of my wanting to modify with my original signature. In addition I believe they broke and or ignored the " LAW '' because I never received the original deed of ownership from them as well. I felt they or their representatives did not actually own the property when they fraudulently fourclosed on 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 non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: OK

Complaint narrative:
I purchased a home in XX/XX/XXXX, and purchased a XXXX XXXX policy on the home when I purchased it, paid through the title company. In XX/XX/XXXX, I switched carriers to Openly and paid the balance myself. XXXX XXXX sent a refund. On XX/XX/XXXX, I received a letter from the people my bank sold my loan to, Planet Home Lending, which stated they paid the new insurance policy premium. I called XX/XX/XXXX and was told it was due to them receiving a bill, however, my insurance company states they sent a XXXX dollar invoice notifying them of the change. I called Planet Home Lending again on XX/XX/XXXX and they are saying they submitted payment despite acknowledging that the letter was XXXX dollar balance due and they had XXXX regard for spending my money from my account without even looking at the balance due. Now I'm left holding the bag.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 BANK # XXXX. 
Account XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account 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 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 2022-07-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
By the end of the XXXX of XXXX, I received the notice about upcoming payment from the XXXX XXXX bank. I contacted the bank to verify which card it is ( I opened new account back in XXXX, so I tried to clarify if it is the same or not ), whenever representative confirmed that it is 2 different banks and they dont work together, I stated that I never open the account with XXXX XXXX and not aware of this account. They suggested to file dispute due the fraud or contact their Fraud department. I did file the dispute with Experian on XX/XX/XXXX, the response from the bank were that they wont dispute the account. I called to XXXX on XX/XX/XXXX, filed claim over the phone with them. Been told that I will receive the call back from fraud department - no one reached me back. Called back to XXXX on XX/XX/XXXX, rep claimed that they sent me some paperwork to email, which I never received ( nothing in the inbox or spam folders ). They re-set the email and send it back to me, an hour left - still nothing.

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 2022-07-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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. it 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