vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: AZ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}

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 2022-07-20 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: TX

Complaint narrative:
I have sent Transunion 1099c, tax transcript from IRS, and proof that XXXX XXXX XXXX finance can not report a charge off that has been claimed on our tax return on my consumer report. Transunion will not delete XXXX XXXX XXXX XXXX from my consumer report, once a 1099c is given and included on taxes, this charge off is now consider income. Income is not reported on credit, unless there is a new law that you CFPB have made up and I have not found it in the laws from CFPB and federal bureau have been put in place.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XXXX of XXXX I applied for New Jersey unemployment. Got back paperwork from unemployment saying it was approved and that I would be receiving a bank card from Bank of America to receive pandemic relief funds. After about 2-4 weeks never received a bank card so I called BOA and they said that yes I have an account and that they sent me a card and they can see that money is being deposited onto that card but to this day I have never received a bank card or any funds from the pandemic funds. Called BOA and unemployment multiple times trying to get this resolved but would always get the same response... BOA would tell me it's not there fault to call unemployment and Unemployment would say I needed to call Bank of America because its on there end where the problem exists which I kind of believe because unemployment did approve my benefits and I never ever received a bank card from Bank of America!!

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 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GATEWAY FIRST BANK
State: NJ

Complaint narrative:
Our application was filled out by the lender and incorrectly. Lender would not correct the application, insisted we sign or it would delay processes. Lender would not provide rates and payment terms. Lender would consistently ask for the same income and bank statements even for the same dates. Lender was not responding to emails until settlement date was 3 days away and then they began asking for income documents again. Lender was negligent in retrieving documents we sent them. Lender had multiple agents asking us for the same documents. Lender blamed title company, blamed seller 's agent, blamed buyer 's agent. Lender would promise to work on file and get back to us but did not, several times. Lender confused prior property with current purchase. Lender would not lock in the rate. Lender selected incorrect loan type ( they listed as a foreclosure and an investment, instead of second home/vacation home. Lender 's appraiser used data and pictures from prior evaluation and used incorrect information on final appraisal. On day of supposed settlement we called president and left a voicemail. We were directed to vice president, his son. We were then contacted by three more people. Lender agreed we have a valid complaint and understood we will submit in writing. Lender assigned another agent to call us and start the process over when we were already passed settlement date for second time. One agent was an investigator who asked for documents to from XXXX ( on XX/XX/XXXX ) to substantiate lenders own processes instead of helping us. Process ongoing since XX/XX/2022 and last contact was XX/XX/XXXX. We have done our due diligence. Lender is also assuming sellers assist as payment for points which we did not agree to paying. We merely wanted to know what the difference in payment would be if we paid a point vs XXXX points. Lender refused to communicate rates and P & I on closing disclosure. Lender also would not provide access to company portal and made us send our income documents and all other documents through email. Lender also emailed us someone else 's correspondence, which we deleted per law. We have already paid out of pocket for contractor 's repairs per inspection results and still did not settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: SLM CORPORATION
State: UT

Complaint narrative:
I have co signed on the following student loans with my daughter and although the loans are in Deferral the lender Sallie Mae is reporting that I have borrowered over my high credit limit which is having a negative impact on my XXXX and hindering my ability to secure financing. the loans are : SALLIE MAE BANK XXXX XXXX SALLIE MAE BANK XXXX XXXX SALLIE MAE BANK XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: NCP Holdings, L.P.
State: AR

Complaint narrative:
I applied for this loan through quick credit on XX/XX/22 When I applied the website was messed up not allowing me to pick the proper pay days I proceeded because I thought it wouldnt be a problem to call and give them the accurate dates of my paydays since there sight was at fault and like every other loan company that does not have a problem with correcting that I called to tell them that their website was messed up and didnt allow me to pick the proper paydays so I can pay back the loan this company has charged me double interest and argued with me that they can not change my paydays to the right days of my payday I told them that if they didnt my account will be overdraft which they did do seven days after I had made an payment they took another payment they explained that they were not going to change my paydays to the right days and here is a copy and look at the interest this company does not want to work with me being unfair because they want to charge more interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In the accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 1681. XXXX  account number # XXXX has violated my rights. 
15 USC 1681, Section 602A. States I have the right to privacy. 15 USC 1681, Section 604A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC, 1681 C. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In the accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 1681. XXXX  account number # XXXX has violated my rights. 
15 USC 1681, Section 602A. States I have the right to privacy. 15 USC 1681, Section 604A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC, 1681 C. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a 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 2022-07-20 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: PA

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 2022-07-20 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: PA

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 2022-07-20 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 Agency Act, account XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX 15 U.S.C. 1681 Section 602 A states have a right to privacy.

15 U.S.C. 1681 Section2 It also states a consumer reporting agency can not furnish a account without written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: Westlake Services, LLC
State: HI

Complaint narrative:
I purchased a vehicle and XXXX  was then original lien holder for the car then subsequently taken over by Westlake Portfolio Management. I have paid off my account in 2019 and I still didn't received the title for my vehicle. I went to the DMV to request a title and I found that they never released the lien hold on my vehicle e ven after paying the entirety of vehicle loan. I reached out to Westlake and they sent me a notarized lien release and power of attorney indicating that they have taken over the original lien holder, XXXX. DMV Hawaii requires that Westlake Portfolio sign and notarized the Application of Title. Which they adamantly declined to cooperate and not allowing to obtain a title for my vehicle. I have spoken to numerous employees and even provided them with application and still nothing. I even tried to ask for their supervisor and I was told that the supervisor is too busy to speak to me and address the issue

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 2022-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In XXXX I approached Wells Fargo to refinance my variable mortgage originated in XXXX at which time they refused to finance the entire amt in one conventional and required a down payment plus a 2nd loan for 10 % ( approx $ XXXX ) which they presented with a nearly 12 % APR. I read the information and was told that it was a principal/interest loan but did NOT realize it was an interest DAILY loan. I was told that as long as payments were made the payments would apply toward principal & interest, more the former as time went on and 15 years the balance would be a balloon payment due ( XX/XX/XXXX ). They just recently informed me that I would now be required to payoff nearly $ XXXX after paying them double the origination amount after 15 years of on time payments and I don't have that balloon payment. I contacted them regarding my hardship and requested any program that they would have in place due to the predatory nature of this loan and a settlement payoff amount of set value and they declined. Fact remains, Wells Fargo originated this loan during the height of their predatory lending practices and did so to take advantage & now I'm the one paying the price. They need to be held accountable. I should NOT be stuck with having to pay MORE. They knew what they were doing & I should not be further penalized for their criminal practice in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX we moved out of our apartment. Our leasing office sent us a bill showing we owed money and would not be receiving a refund on our move-in deposit due to damaged carpet that was brand new when we moved in XXXX of XXXX. I asked the leasing office to please provide proof that the carpet was brand new as it did not appear brand new when we moved in and the carpet damage shown was not created by us. ( In an area that had never had spills/cleanings/etc. ) The leasing office sent us an invoice from the flooring company dated XXXX - 2 years before we moved in. I said we will not be paying for the damages until you provide proof that there were no tenants before us during those 2 years as the damage was not done by us. They failed to provide proof - and did not contact us further. They ended up sending our bill to collections where we received multiple calls a week regarding this. I know I can dispute so I filed a dispute with the collector and said we will not be paying until proof is given to us like we asked for. On XX/XX/XXXX The collections agency sent us our final account statement with the apartments and our lease agreement. I responded that this is not what I requested. They didnt reply for 2 weeks even though I have emailed them 2 times for an update on XX/XX/XXXX and on XX/XX/XXXX. They called XX/XX/XXXX and the lady was extremely rude and would not let me speak- said they wouldnt be providing proof and I needed to pay. I informed I know my rights regarding collection disputes and the proof needs to be provided- she cut me off saying they know the laws. I informed I work for a bank and know the laws as well. She cut me off and said it doesnt matter where I work I need to pay what I owe. I told her I would be following up with the CFPB and disconnected. They call me and my husband multiple times a week while we are working despite even though Ive tried communicating over email and they dont reply over email.

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 2022-07-20 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: TX

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my cre

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