vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE 1 INCORPORATION
State: MI

Complaint narrative:
XXXX  XXXX  was our leading company. We bought a home for XXXX and put XXXX down plus had seller pay XXXX of our closing cost. XXXX XXXX had us bring XXXX to closing table and our mortgage is XXXX, XXXX they gave us an approval letter with XXXX XXXX to close and also lied about us supposed buying down points which was a lie. The mortgage rates weren't even that high. We were stuck because we already put in offer and put XXXX down. We closed on the XXXX of the month which they said would make it cheaper another lie. Why is our mortgage XXXX from XXXX when we put almost XXXX down it should be XXXX. plus there friend did appraise on house and we received nothing but its worth XXXX? How the roof had a 2 foot by 2 foot hole, plumbing was wrapped in tape appliances we destroyed on inside and roof has leaking in 2 bedrooms and in kitchen sane for garage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have requested that Transunion remove to investigate the XXXXXXXX XXXX XXXX XXXXXXXX that they have on my report since XX/XX/2022. Since then I have sent a dispute letter every month and receive no response from them. 
Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate.

Transunion is violating my consumer right by not providing any documented evidence that they did the investigation.

Under the Fair Credit Reporting Act,15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

I have been disputing this issue with Transunion for over 120 days and the lack of action as jeopardized my ability to buy a house. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 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: VA

Complaint narrative:
I recently obtained a copy of my credit report from the Equifax, XXXX and XXXX. There, I discovered accounts and inquiries that are unauthorized. These are information that should not be on my report. These are inaccurate, outdated and can be considered as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: VA

Complaint narrative:
I recently obtained a copy of my credit report from the XXXX, XXXX and TransUnion. There, I discovered accounts and inquiries that are unauthorized. These are information that should not be on my report. These are inaccurate, outdated and can be considered as fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 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: VA

Complaint narrative:
I recently obtained a copy of my credit report from the XXXX, Experian and XXXX. There, I discovered accounts and inquiries that are unauthorized. These are information that should not be on my report. These are inaccurate, outdated and can be considered as fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I lost my job back when the Pandemic started, so I called my mortgage company Suntrust now Truist Bank to do a Forebearance, got it approved for XXXX. I was working with the Home Perservance dept. I signed a legal document/faxed it in on XX/XX/2021 to agree to come off of the Forbearance. My 1st payment started back on XX/XX/XXXX was to be {$590.00} going forward. I was instructed to disregard what the Suntrust Website stated, however I didn't, when i checked the website it stated to pay {$630.00}, so i did. I then called the Home Perservation dept back to inform them of what I actually paid, the Rep said I was only to pay the {$590.00} amount of what I signed for. I have been harassed every since I came off my Forebearance. Now, I have been accused of not paying my mortgage from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. I have not missed a Mortgage payment since I came off of my Forebearance. Now, my CREDIT SCORE has dropped way down due to the incorrect information. Suntrust/Truist Bank has harassed me weekly/monthly to pay a lot of money due to my Taxes that went up. That is why the website stated {$630.00}. So I had to keep calling the Home Perservance Dept for help, the 2 departments were blaming the other. I was only following what I was instructed to do of the {$590.00}. I then ask then Truist Bank rep if i could pay the Escrow separate in installments, they said NO, so they took funds from each Mortgage Payment that I was making from XXXX thru XXXX to cover the shortgage. Again, I was never late making my Mortgage Payments. I will attach all my Bank Statement to prove I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my Federally Protected Consumer rights to privacy and confidentiality under XXXX XXXX 1861. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602a. States i have the right to privacy 15 U.S.C. 1681 Section 604a section 2 : it also state a consumer reporting agency can not furnish it account with my Written instructions 15 U.S.C. 1681C ( A ) ( 5 ) Section states : No consumer reporting agency may make any of the following items of information. Any other adverse item of information, other that records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
the last week of XXXX I contacted LVNV FUNDING LLC about the amount they are trying collect is the wrong amount and that they are actually charging me double of what the debt originally was. I was told someone would contact me about the situation but no one ever contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: KS

Complaint narrative:
My mortgage is serviced by BSI Financial Services. I have no missed or late payments in the history of my loan. In XXXX, XXXX, my debt to equity fell below 80 %, and I requested PMI to removed. My request was denied. I submitted a second request in XXXX, XXXX, and I was told that it was also denied although my debt to equity was below 80 %. 

I have contacted BSI several times, and the associates tell me that they are confused why the PMI department denies my request because my debt to equity ratio is below 80 %. The original appraised value was {$250000.00} and my current principle balance is {$200000.00}. Reasons I have been told by BSI associates that my requests have been denied are : * Debt to equity computation is determined on " sale price '' not appraised value *I would not be able to request removal of XXXX based on my closing documentation. ( Note : this is not true. In my closing documentation, it states that based on the 'initial amortization schedule ' I would be able to request removal in XXXX. However, I have been make additional principal payments and I was eligible to remove it XXXX, XXXX. ) *The home appraisal needs to be less than two years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP
State: NY

Complaint narrative:
my personal bank account was blocked when someone filed a fraud claim against my account due to " merchandise not delivered ''. 
The transaction originated XXXX XXXX ( amount {$580.00} ). opened a claim first week Of XX/XX/XXXX. {$510.00} was debited from my account -- This client continued to transact with my company and did not disclosed any issues. 

I have submitted proof of delivery, tracking numbers stating the items were delivered XX/XX/XXXX,, a sworn statement and a copy of demand letter sent to this person to revise the chargeback/settle payment. 

I have been a loyal keybank customer since XXXX. I am not the scammer here, yet this has caused me so much inconvenience, including multiple trips to the bank, multiple calls to the bank, emails and also, my paycheck goes through this account, I was not able to access it, I had to go to the bank for them to unblock my account for few minutes while I transfer my money to a different account so I can access it. I don't know what evidence the other person provided to them, this person is also denying she filed a claim with her bank, she even said '' the bank got it wrong ''. I told the bank about this. I called the bank yesterday and was told this is still under review. 

i am hoping this get resolves soon. I hope this person doesn't get away with $ XXXX and $ XXXX worth of merchandise for free.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: MI

Complaint narrative:
At the end of XXXX, I requested a refund for a payment ( {$4200.00} ) I made during the pandemic and under Bidens new policy I was eligible for a refund. It has been over 6 weeks and I have not gotten an answer on the status of the refund. I have called Mutiple times, but no one has given me an answer on what they are waiting for or how long will take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent in a identification theft report to equifax on multiple occasions with all my information showing that where I live I own the house my copy of property tax from state I reside my license is another state I submitted proof. Via certified Mail same to XXXX Late payments and closed accounts deleted off my reports. Delete all traffics tickets and violations off XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one gives a due date for all payments, but is not fair on time allowed to make payment. My due date is the XXXX ( XXXX ) & XXXX ( XXXX  ) of every month. Capital one does not hold true to that and if you try to make payment after XXXX et time it will not allow you to select the XXXX or XXXX, so I have to select the next day. If you select the next day it considered late and they charge a late fee of {$25.00} even though I technically tried to pay it on the due date. If capital one gives a due date they should atleast allow the entire US and all the time zones until XXXX. Them cutting it off XXXX hours early on the same day as due date is not fair and I feel like it an easy opportunity to charge extra fee. I have called before to discuss it and try to understand why I was being charged a late fee if I was trying to pay it on due date but the system wouldn't allow me to pay it and had to select a later date. Call rep told me I should pay my bills on time was which was rude and in fact I was paying on time according to due date given by capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2022-11-08 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: SC

Complaint narrative:
I am a victim of identity theft. I had filed complaints to the TransUnion on XX/XX/2022. The bureau received the complaints but has not taken off theUnverified information from my report. 

The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 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: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2022-11-08 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: KY

Complaint narrative:
Hello. I requested to be refunded {$10000.00} on my loan balance that I paid during XXXX. This was done 3 months ago. They should of already reimbursed me or have some kind of update which they dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingUSA
State: VA

Complaint narrative:
I had to take a loan from LendingUSA to pay for my husband 's cremation in XXXX of 2021. I had to request a deferment while waiting for Social Security to start for me The company was very accommodating and I appreciate that ... .however they made my payment due date on the XXXX of the month which is a problem because I don't receive benefits until the XXXX. They will not accept payment over the phone with my government issued debit card because it's not linked to a bank account. I spoke repeatedly with their reps to no avail. I thought I had finally made some progress when XXXX said he could get my card approved for payments and could change my due date to the XXXX XXXX of the month. He did change my due date but my card is still not accepted. He also failed to tell me you can only ask for this change once. So now I'm getting hit with a late fee EVERY month as well a barrage of collection calls every month which causing my credit to take a hit. I've tried to address this with every rep who calls me and they ignore me or say there's nothing they can do ... ..I 'm a XXXX  on a fixed income please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: MO

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my Federally Protected Consumer rights to privacy and confidentiality under 14 usc 1861. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602a. States i have the right to privacy 15 U.S.C. 1681 Section 604a section 2 : it also state a consumer reporting agency can not furnish it account with my Written instructions 15 U.S.C. 1681C ( A ) ( 5 ) Section states : No consumer reporting agency may make any of the following items of information. Any other adverse item of information, other that records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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