vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act 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 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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My mom passed away on XX/XX/XXXX. I have been trying to pay her mortgage and my mortgage but when COVID hit it became difficult.

I came into some money and I wanted to catch up on my payments to Bank of America. On XX/XX/XXXX I called and spoke to a representative and they laid out some options. She said the best course of action was to submit for a loan modification and to not do anything until it is decided. I did however go ahead and pay {$1000.00} as a good faith gesture. Today I was informed that the girl that originally " helped '' me didn't do the right process. Instead of paying {$6000.00} XXXX grand on the XXXX, had I been instructed to, I now have to pay {$10000.00} plus {$1100.00} for an attorney. These calls are monitored and they should be replayed. We are hit with added money that is not our fault. I was abled and willing to pay on the XXXX but was instructed by BANK OF AMERICAS EMPLOYEE to not do this, so, I assumed I was taken care of.

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 monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, I was sent a XXXX-Covid 19 Recovery Loan Modification Approval by PHH Mortgage which I was to accept the offer and return by XX/XX/XXXX as my forebearance ended which I sent USPS overnight XXXX XXXX ) to the XXXX XXXX XXXX XXXX XXXX I received another package in XXXX of the same documentation with a new payment amount which was to be returned by XX/XX/XXXX, which was not a business day. The package arrived to the XXXX XXXX XXXX XXXX on XX/XX/XXXX ( XXXX ). The first payment of {$1700.00} was due by XX/XX/XXXX which I sent. I received another package in XXXX which was notarized by the bank and next to my name they placed my driver 's license number, I received a call from the mortgage company that they only needed to put my name. I requested that they send out a notary to my home which they did this document was to be returned by XX/XX/XXXX and was received on XX/XX/XXXX. I received a call from the company on XX/XX/XXXX that I needed to sign the document in a former name not stated in the mortgage documents. The representative sent an email with a document to show how it is to be signed but never sent an updated package so when I go to any notary they are saying the date is passed so it can not be notarized. To this day I have not received an updated document but she stated that I have until XX/XX/XXXX to return the document. I did get it notarized and was picked up by the company on XX/XX/XXXX ( XXXX ) XXXX explained that these documents were to be updated since XXXX  and I do not understand why the document is still showing a name that I don't have any identification for and the mortgage note have the current name on my id only. There was no document with the name that they needed me to sign in and it was not explained to the notary they sent. With that my modification was denied but they are not putting the real reason they are saying it was denied because documents were received late. None of my documents was received late. I followed all guidelines. This company need to honor the agreement and if there is something that needs to be done with the Title then they need to find the documents that was sent since XXXX PHH mortgage is not following XXXX Guidelines and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I went to XXXX and purchased 3 google play gift cards for {$50.00} each. I was only able to redeem 1. The other 2 when I put the redeem code, a message says more information needed. Which I filled out. I tried contacting Google several times to fix this and they simply just will not respond. I don't understand why they won't redeem the 2 cards that I purchased that I physically have and I have the receipt. So I don't understand why google gets to keep the money and not redeem the cards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/2022 I transferred {$45000.00} from my account ending in XXXX to pay {$47000.00} down my XXXX balance. As of XX/XX/2022 that money has still not been credited to my account. It was an internal transfer, both accounts were at US Bank. 

It was from funds available. I no longer have access to the money, in either account, and it is causing me financial issues with other accounts.

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 2022-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
I paid off a mortgage on XX/XX/2022 and still havent been reimbursed my remaining escrow balance. The servicer, XXXXDovenmuehle , just informed me of an additional 30-60 day processing period if I would like the payment resent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
The agency hired by HSBC continues to harass me about a debt that was discharged in bankruptcy in XXXX XXXX XXXX 

The recovery agency is XXXXXXXX XXXX. They are KNOWINGLY attempting to collect a debt after discharge and that's against the law. 

I have referred them to my attorney and we are collecting the information about every contact. He said we should have several contact noted over several months before we sue. Can't wait until we meet that threshold! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I SEND A LETTER TO EACH CREDIT BUREAU BY USPS ON XX/XX/2022. THE TRACKING NUMBERS ARE AS FOLLOW ; XXXX # XXXX, EXPERIAN # XXXX AND XXXX # XXXX. I GIVE CLEAR INSTRUCTIONS TO REMOVE INFORMATIONS I DONT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802. NO FINANCIAL INSTITUTION SUPPOSE TO SHARE MY INFORMATION TO A THIRD PARTY PEOPLE. 
THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.

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 2022-05-23 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: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/22, I received an email from Discover Card Services that they had closed my account due to not being able to verify private information. When I reached out to the customer service associate, explaining that I have had this card since I was a college student and received no notice from them regarding the need to verify information, they remained firm that they were closing my account and could do so accordingly. Had I been told that I needed to verify information, and what information, I would have provided it accordingly. They are wrongfully providing harm to my credit report by closing an account with an active balance to my card. I loved being a loyal Discover Card customer, used my card frequently, but now they want me to reapply to reopen my account. I do not want to do that. I want my old card/account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
XX/XX/2022 Just Received a letter from XXXX XXXX XXXX from XXXX SC First Citizens Bank branch. The letter informed me now they are closing all my accounts, its comical because I called them out on them stealing my money and now they just want to close my accounts? It seems like to me the discrimination and the lack of competency has become too much for this bank and this branch specifically to handle. I have had many banks in my life and this bank is by far is the most incompetent, disloyal, and consistently demonstrates a lack of integrity in all their affairs. This Bank shouldn't even exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account DEPT OF EDUCATIONXXXX 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 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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account DEPT OF EDUCATIONXXXX 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 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 2022-05-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We are in need of funds for college education for our daughter and a few projects we would like to do for home improvement. We met with a Bank customer service agent in Bank of America XXXX XXXX, MA main branch and were told our best option was a HELOC. We were put in touch with XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX. She took our application the XXXX week of XXXX, XXXX  and felt things would go well. We added my wife to the application and we were declined because of a delinquency on her credit. XXXX then asked if it would be better to resubmit and the loan officer/underwriter she spoke with said that it would be much better if I submitted by myself. That based on everything I would have no problem getting approved. I was declined again but this time due to home value to loan balance ratios. This is something that the underwriters should have known up front, the ratio requirements are very clear cut. They should have not encouraged the application. I would have looked at other areas such as parent student loan or a Parent Plus loan. With the volatility in the market due to the time I waited ( 2+ weeks ) not looking at alternatives, rates have gone up on these other loans and I missed an opportunity to lock a lower rate and save some money. These type of incompetent banking practices at this level of the institution ( I assume fairly senior staff who have experience in these types of things ). XXXX has also filed a complaint on my behalf internally and with her manager. I have no complaint with XXXX for the record. While I probably can not change anything on the loan decision, Bank of America, who I have banked with for over 20 years, should at least acknowledge their error and apologize.

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 2022-05-23 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: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
My loan with Hyundai Motor Finance was paid off in XX/XX/2020. Unbeknownst to me, they never released my title. I have put in numerous requests for my title to be released. Every representative gives me the same story. There is no direct communication access to their title department. I can not receive my title or a release of lien letter. 

This has caused a great hardship to me. I am trying to sell my vehicle but can not. I was literally in the middle of a transaction of a {$16000.00} transaction that fell through because I can not get access to my title. This 2 year delay is inexcusable. 


I am desperately asking for someone to expedite my matter and provide me with a release of lien letter.

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person ....

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 2022-05-23 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: Entrata Inc.
State: NY

Complaint narrative:
A hard inquiry showed up on my XXXX credit report on XX/XX/2022. 

XXXX XXXX Inquired on XX/XX/2022 Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX  XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX By Googling the address and phone number, I got to know that the inquiry was done by Entrata , Inc.. I did not know Entrata and did not apply for apartment or credit from Entrata. Actually, I did not apply for credit from any companies in the timeframe.In order for XXXX to remove the wrong hard inquiry record, I was asked to get a letter from Entrata to state that the inquiry was not intended but a mistake or to convince Entrata to directly request XXXX to do so. However, Entrata did not agree to provide me with such a letter, despite the representative from Entrata Tenant Verification Team told me that Entrata never pulled my credit and I was not on their customer profile list.

Company response to consumer: Closed with non-monetary relief