vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I have been in contact with your company since XXXX to no avail. I have been in contact with XXXX from your loss mitigation department. She agreed with everything in this complaint. She was forwarding this information to her supervisor XXXX and I was going to hear from her but I have not heard from either of them. The processor I haven't been able to successfully contact is XXXX XXXX ext. XXXX. 

On XX/XX/XXXX I recieved a COVID-19 forbearance agreement for the months of XXXX. I signed, notarized, dated and sent in the loan modification. In this paperwork, written up by your company on XX/XX/XXXX, it stated that my resuming payment of {$1800.00} was to be due on XX/XX/XXXX. I received my statement for XXXX and it was claiming that I owed for XXXX. All credited payments and principal curtailment have been applied to the loan. As far as I can tell this is a clerical error. On XX/XX/XXXX I received a letter stating that i'm in default and that foreclosure will begin if I do not pay the past due amount by XX/XX/XXXX. I have paid for XXXX, XXXX and XXXX. There should not be a past due amount. Again, XXXX was included in the loan modification.

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

Complaint narrative:
Good Day, Experian and XXXX has been contacted to remove the following accounts for fraud : XXXX XXXX XXXX - XXXX XXXX Balance {$6900.00} XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX {$0.00} Pursuant to 15 U.S.C 1681 a ( 3 ) - Experian and XXXX  assumed the role to report on my behalf and was not given permission to report fraudulent/false information on my consumer credit report. I was not contacted about the above information and did not give Experian permission to report the above accounts and will require the harmful information to be deleted immediately. 

Pursuant to 15 U.S.C 1681 a ( 4 ) - There is a need that consumer reporting agencies exercise their grave responsibility of fairness, impartiality and a respect for the consumer right to privacy. Experian and XXXX was not fair with reporting the above information because my request to have the information has been ignored several times and they have not considered that above accounts does not belong to me, making them impartial. 

Pursuant to 15 U.S.C 1681 b ( 2 ) - Experian and XXXX assumed the role to report this harmful information to my consumer credit report. I never instructed them to create this report and I never consented to the information above being furnished on my behalf.

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
The charge off was placed on my credit report after reporting the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX Account # XXXX 30 days late in XX/XX/2019.

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 2022-08-08 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. The Following Account Was A Charge-Of. Balance should be {$0.00}. 
XXXX XXXX Account NumberXXXX Please remove it from my credit report. 





* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX 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 non-monetary relief
Consumer complaint received 2022-08-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
upon checking my credit report i saw a XXXX Account with a XXXX dollar amount which has been closed and has that balance and i haven't opened a XXXX account let alone acquired a balance of XXXX for anything. whoever stole my information used it to open a XXXX account and upon my investigation i see where there is no monthly account information where any payments have been made, but of course not it was stolen information so they wouldn't pay and that's what i have been trying to point out to the Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: MD

Complaint narrative:
On XX/XX/2022 I used XXXX to pay bank of the west on my behalf. Payment ID XXXX. XXXX sent {$1600.00} to bank of the west and they received the ach on XXXX ach trace # XXXX. I have called bank of the west multiple times ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ). I gave bank of the west the trace number starting XXXX once I received it from XXXX Every time Ive called they keep saying its being sent to escalation and call back in a couple business days.Im told today XXXX that bank of the west returned the funds but they are unable to give me a date or trace number. XXXX is not showing a return of payment. XXXX has been very helpful and timely helping me research this payment. Bank of the west has not posted it to my account and cant give me the return payment info. What I am asking is that you help me with bank of the west and finding where my missing funds are and why they havent posted to my account. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I was pre approved by Navy Federal for a XXXX conventional mortgage with the required information. Long story short, after final approval and set closing date, two days before closing i am told " we can not move forward with the loan '' ...... 
When asked why i was informed a letter would be mailed out to explain. 
I complain directly to the loan officer, she apologized and immediately refunded the appraisal fee. I believe they should be held accountable for charges that occurred to close on the home I paid to have inspected as they required in the loan to purchase agreement. 
This has made my first time homebuying experience so traumatic, I am seeking the confidence to shop for a home for the first time. I was not expecting a lender to just pull the rug from under myself and two kids. 
I have to wonder if this had anything to with my complaint on the initial originator of this loan. I am just sad and frustrated, they were aware of my lease ending and the closing date being critical. I am so highly dissappointed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, we closed on our house paying $ XXXX in earnest money, down payments and mortgaging fees and secured a money purchase loan ( Loan Number : XXXX ) of $ XXXX for our residence. 

Upon recent review, we discovered the lending institution, XXXXXXXX XXXX XXXXXXXX d/b/a The Branch Banking and Trust Company ( BB & T , now Truist ) prior to our closing, assigned our loan to BB & T of North Carolina on XX/XX/XXXX, before their effective servicing date of XX/XX/XXXX. ( See attached This caused us to make further inquiry. On XX/XX/XXXX, we made a call to BB & T asking for a copy of our complete closing package, and all information concerning our loan. The representative informed us that our loan was paid off by an investor, and contradicting information that our loan had never been released. She assured us that she would send us information on the date, and party who paid the loan and confirmation as to the loan having been never released and that we should receive the information within 48 hours. This has not happened! We were even forewarned that the company might withhold the information she ( their customer representative ) was going to attempt to send. 

It is our suspicion that BB & T ( now, Truist ) never intended to send us this vital informationas it only highlights errors made on our loan and augments yet another disservice to hundreds of thousands of other American Consumers, in addition to the XX/XX/XXXX, Settlement Agreement between the United States for identical allegations. 

We are asking the CFPB for any assistance in obtaining this fiduciary information from this illusive and evasive company. 

Regards, 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 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I sent money to a supposed dog breeder, XXXX XXXX, in XXXX, Washington, in two separate payments, one {$200.00} payment and one {$300.00} payment on XX/XX/2022, via XXXX from my US Bank account. This morning when I tried to contact the breeder to find out when I was going to pick him up today ( XX/XX/2022 ), he blocked me. I tried calling and no answer. I tried reaching out to my bank ( US Bank ) and they said they could not refund me the money because the transaction had already been completed. This is complete fraud/scam.

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 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
I have been trying for over a year to get my mortgage ins taken off as well as stop using their mismanaged escrow. My escrow payment is twice as much as my mortgage. I want to discontinue the escrow and mortgage insurance. I am WELL below the 80 % threshold. The customer service line is always " experiencing high call volume '' so you can never speak to a human ( was on hold well over 2 hrs last attempt ) and I have sent 7 online inquiries trying to get this resolved. The most recent attempt was XX/XX/22. I also have an issue of them reporting late payments while is was under a forbearance. I tried to get out of my forbearance for 10 months! I understand covid had an effect but you didnt have to mark me past due when i tried to get out of the forbearance. I had to apply for a mortgage modification 4 times before it was finally accepted but they continued to mark me as past due on my credit bureaus.

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 2022-08-08 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: NJ

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately sent me correspondence stating that US Bankruptcy XXXX do not report or provide information to credit bureaus or any other agencies. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. 

You have violated my given rights under 15 U.S.C. 1681.

According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions.

According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows 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 2022-08-08 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: NJ

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXXI sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately sent me correspondence stating that US Bankruptcy XXXX do not report or provide information to credit bureaus or any other agencies. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. 

You have violated my given rights under 15 U.S.C. 1681.

According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions.

According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
I noticed unauthorized inquiries on your report or you noticed someone applied for something in your name. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hosto & Buchan, PLLC
State: AR

Complaint narrative:
On XX/XX/2022, a garnishment for the amount of {$300.00} was taken out of an account I opened roughly 4 months ago. This completely drained the balance of the account, that is only set up in order to receive a discount on a loan. I was not served papers or notified of this garnishment. I have not received any mail, phone calls, or emails about this garnishment. The information I received has my maiden name on it, which I have not had for over 12 years. My phone numbers haven't changed in 20 years, my email address has been the same for 12 years, and I have had another checking account active for over 18 years. They also could not confirm my previous address. They did not email me the information about the case that I requested. The first time I called the attorney 's office and asked a few questions, the gentleman I was speaking to hung up on me. I attempted to look up the court case in XXXX XXXX ( where they told me the judgment had taken place ), and there is no record available. That's not even the current county court, as I have no lived in XXXX XXXX in over 15 years.

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

Complaint narrative:
The three credit bureaus ( Transunion, XXXX, XXXX ) are reporting inaccurate information on my credit report and have refused to help me! The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal and they also violated my rights under 15 U.SC1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more time than allowed to complete their investigation, here is my certified tracking # : Transunion - XXXX XXXX  - XXXX XXXX - 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 non-monetary relief