vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 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:
Unauthorized inquiry on consumer report I have informed XXXX, Experian and XXXX to remove hard inquiries off my consumer report due to not having my consent but they have willfully non-complied. Ive sent in multiple letters on the FCRA laws that govern them and they have still not responded by removing these hard inquiries. 

XXXX XXXX XXXX XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third-party with my private or personal information your offenses amount to Aggravated identity theft pursuant to 18 USC 1028 ( a ). You have knowingly transferred, possess, or use, without lawfully authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment, in addition to civil liability.

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 2022-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND THE CONSUMER. After reviewing my consumer report, I noticed that there were a couple of hard inquiries on my report which I did not authorize. On XXXX XXXX, TransUnion posted a hard inquiry from XXXX XXXX XXXX to my consumer report and a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX. Pursuant to 15 U.S.C. 1602p, my credit was misused. I never gave written instruction to TransUnion to furnish a hard inquiry to my consumer report ( 15 USC 1681b ( 2 ) ), therefore, for these hard inquiries to be reported, it is identity theft and have to be deleted. TransUnion also allowed XXXX and XXXX XXXXXXXX XXXX to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). With an initial investigation not being completed by TransUnion ( before furnishing the information ), these hard inquiries should have never been reflected on my consumer report pursuant to 15 USC 1681a ( 2 ( b ) ), which states a hard inquiry should be excluded from a consumer report. In response to the review of my consumer report, I have sent TransUnion a remedy letter, a notarized affidavit of truth, an invoice and a supporting document which they received on XXXX XXXX, XXXX. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SOUTHSTATE BANK CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX my wife and I signed a Bill of Sale for the purchase a boat from a private seller. The sellers had a lien on the title. We decided to use the same bank the sellers used to facilitate a seamless transfer of the title, registration, and sale of the boat. 

The bank we used was SouthState Bank and we chose the branch at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The branch manager, XXXX XXXX, assisted with the loan process from start to finish. 

We closed on the loan on XX/XX/XXXX at the branch with the sellers present. Including in the documents we signed was an application with the North Carolina XXXX XXXX for a three year boat registration and gave XXXX a check for {$180.00} to cover the fees. She informed us that their back office handles the title transfer and boat registration and we had nothing else to do. 

While the NC XXXX processes the registration, we are given a XXXX grace period to use the boat as long as the Bill of Sale was on board while boating. During that period we had not received the boat registration. 

On XX/XX/XXXX, XXXX days after our grace period ended, I emailed XXXX informing her that we had not received the registration. I did not receive a response. I then called XXXX directly on XX/XX/XXXX and left a voice message indicating the same. I did not receive a response. I later sent a follow up email on XX/XX/XXXX. XXXX finally responded on XX/XX/XXXX, 32 days after my initial inquiry. 

XXXX informed me her " ... loan booking department stated Title was mailed to seller ... '' This was a mistake. The title should've never been mailed to the seller as it was simply a transfer from the sellers to us. She said they were working on it and will get it resolved. 

Subsequently, I emailed XXXX on XX/XX/XXXX to find out if they've received the title. They hadn't received it and I then asked if she should simply apply for a lost title with the NC XXXX XXXX. Her response was to send me a link to the NC XXXX 's website with instructions on how to do this. 

I also indicated to XXXX that I was confused as to why the title was mailed to the sellers. Her response, " I asked the same question and did not get a straight answer. All of our department employees are still working from home and there are only a select few allowed into buildings you are not the loan I am having issues with right now not an excuse just being honest. '' In essence, she's too busy to help. Meanwhile we're continuing to make monthly payments on a boat that we have no legal ownership interest in and we can not use and enjoy due to the bank 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
This is the second complaint that I filed on this issue. The first complaint was filed on XX/XX/2021 and the ID for this complaint was XXXX. After my first complaint was settled Mr. Cooper is insisting on charging me a fee of {$97.00} for " Lender paid expenses ''. I have called every month since the initial complaint was responded to for an explanation of this fee and none of their customer service representatives were able to explain it. I have asked for this fee to be removed multiple times and the customer representatives tell me that they will help resolve this but nothing is ever done. Every time I call for an update the process has to start over because this disreputable company keeps no records of this complaint. 

Since they refuse to explain or remove this fee I can only assume that this fee is in retaliation for the first complaint that I filed against them. I need help to get them to take this matter seriously and actually address the issue instead of ignoring the problem. 

Also from the first complaint I never received a clear breakdown of how the escrow amounts and late fees were refunded. Due to this companies unprofessional behavior I am concerned that I was intentionally shorted on my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
I attempted to pay our XX/XX/2022 Citizens One Bank mortgage during the week of XX/XX/XXXX through XX/XX/2022. Apparently, Cititzens One Home Loans online account www.citizensbank.com was changed to Citizensonebank.com.

When I attempted to setup a new login at the new website, it did not recognize my phone number at the new site. Between the old site and the new site, there were 5 phone numbers to call for service. Starting on XX/XX/XXXX, the hold times were extremely long ( over 1 hour ) and often times, I was disconnected before someone answered. 

On the XXXX I finally got through to the rep after 1 hour and 45 min. She said she couldn't help me ( Name - XXXX ). XXXX then transferred me to XXXX. I could hear men talking in the background while she was working from home. She asked me for my full SS # which I refused to give because of the people in the background. I said I could provide her with other info such as my mortgage # which she refused to take. I also asked her for an employee #, which she refused to give. I then requested to be transferred to her supervisor. This was over 2 hours into the call. 

Her supervisor was very professional. He did not understand why she refused to give her employee # to me as that is their customer service identification number. He was not able to help me either, but concurred with me that asking for a social security number in full, in an unsecured call setting was inappropriate for the company and employee to do. 

Any company whether a bank, mortgage, investment, medical, etc type of company that holds identity data should not be using FULL social security numbers as a verification method. My identity could have easily been stolen by the people in the background or even the employee. 

I think that Citizens One Bank needs to find a new verification method for home loans and mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: NY

Complaint narrative:
FirstSource Advantage LLC, illegally bought an unknown debt from XXXX XXXX, They have no Authority. I do not have a legal binding contract with Firstsource Advantage LLC nor do I wish to contract with them. They are violating mail fraud laws, XXXX laws, Violation of my right to privacy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The credit bureaus has allowed creditors to place harmful information on my credit report. I requested from the bureau as well as the collection agency. I have asked for signature bearing documents to prove the validity of the debts I disputed. No such documents have been provided and XXXX  is complicit in this illegal action along with the collection agencies. The credit bureaus are violating the fcra.

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 2022-01-11 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: MO

Complaint narrative:
The credit bureaus has allowed creditors to place harmful information on my credit report. I requested from the bureau as well as the collection agency. I have asked for signature bearing documents to prove the validity of the debts I disputed. No such documents have been provided and experian is complicit in this illegal action along with the collection agencies. The credit bureaus are violating the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: DE

Complaint narrative:
The following items mentioned below were totally incorrect or has inaccurate information being stated. 

XXXX XXXX XXXX Balance : {$140.00} XXXX ; XXXX Please reinvestigate this account, I was never late on this specific account. You have notified me about the late, if theres any, but since I have not received any notification letter, email or any kinds of contacts from this company, this certain remarks should be corrected immediately. 

( XXXX XXXX : ) XXXX Balance : {$92.00} XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX This account, which you are reporting to be a collection, has nothing to with me. I have no idea about this account and your investigation was not done properly. You should have provided the original account name for this and have submitted any proof or documents to support your claims. However, you have failed to do both. Thus, this should be removed as soon as possible. 

XXXX XXXX Date of inquiry XX/XX/XXXX Could you corroborate the accuracy of this reporting since I don't recall inquiring about this company? If needed, delete it from my report. 

XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX Hurriedly check the date presented as I think it may be a possible mistake. Revise or discard this information from appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-10 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have recently moved from XXXX to XXXX. I am a Wells Fargo Customer. I recently visited my local branch here in XXXX  to use my ATM card and was told that there was a block on the account, so I could not use my ATM card. 

I went inside to the branch to inform them and to verify my identity by presenting my ID card and my ATM card. I was told my account was verified and I could continue using my account normally. 

However, I am still blocked out of my account. I have called 3 times, each time waiting over 45 minutes on hold. Each time, the agent refuses to help me and to tell me to visit my local branch to present identification. I have done so already, but am still unable to access my account. 

The last agent on the phone with the name XXXX was rude, harassed me and hounded at 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 2022-01-10 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: NC

Complaint narrative:
There were fraudulent accounts created, once I was aware the accounts were closed. I also stated that these were to be deleted or removed and they remain on my credit profile and they were not authorized at all by me. These accounts were all done in fraud I have sent letters emails and phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus ; XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.

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 2022-01-10 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:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus ; XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-01-10 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: AZ

Complaint narrative:
Well according to 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer I never gave no credit bureau any written consent! 

No consent is Identity Theft.

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 2022-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have been going through my credit report and found that lvnv funding llc has been reporting incorrect data to the credit bureaus as I disputed with the credit bureaus only the experian was removed the other two came back as verified, there is multiple things incorrect in the reporting of this debt including that lvnv funding reported themselves as the original creditor. This needs to be removed from my credit report I will be seeking litigation as it is my right to have a fully correct credit report as stated in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2022, I consumer XXXX XXXX sent NAVY FEDERAL a debt validation letter, impeding on my ability to exercise my rights to validate this debt. This letter was sent via certified mail with the tracking number : XXXX. I previously asked for an audit trail of this account in which NAVY FEDERAL failed to comply. NAVY FEDERAL sent me a written correspondence instead, stating the debt was valid. Only a consumer can validate a debt and NAVY FEDERAL is preventing me from the ability to validate the allege debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation