vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 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: PA

Complaint narrative:
Notice to agent is notice to principal notice to principal is a notice to agent Reinsertion of previously deleted accounts from credit reports ACCOUNT : XXXX XXXX RE : Social Security Number : XXXX To Whom It May Concern : Experian, It has come to my attention while checking my consumer reports that you Experian, has reinserted a previously deleted item on my consumer reports. 

I am requesting the certification of accuracy that was produced by the data furnisher that verified this alleged account. By law 15 usc 1681i ( 5 ) ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
Furthermore after reinsertion of previously deleted information within 5 days you were to notify me pursuant 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

You have failed to provide the required disclosure and notices pursuant the FCRA 15 USC 1681i and its provisions. 

Delete the reinserted accounts that you have placed on my consumer reports which now is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: MORTGAGE SOLUTIONS OF COLORADO
State: WA

Complaint narrative:
Contacted XXXXXXXX XXXX who my Mortgage was with through Mortgage Solutions today on XXXX XXXX and spent over 2 hours trying to get to the right person to help with the situation. The associate XXXX hung up on me after XXXX mins of working. 

I was in forbearance from XXXX - XXXX of XXXX  and then approved on XXXX XXXXXX/XX/XXXXXXXX  for a partial claim after receiving a bill for ~ {$36000.00}. I am now trying to finance a home and can not due to a single 120 day late charge reported on my credit. 

XXXX stated on a recorded line that she could see that there were corrections reported to in the past and that it was put into the system for correction and never completed. This is unacceptable and needs to be corrected immediately as the lack of action from the company is causing financial damages to my family and life. 

This single 120 day late payment reported is impossible as there are no XXXX or 90 day lates prior to that. XXXX of XXXX  my mortgage was bought by XXXX XXXX and the late payments were reported in error by them as well. Please reference CFPB Complaint ID XXXX. 

There were issues with XXXX  XXXX at the time of the reported late charges and according to the XXXX XXXX  claim, that is what caused the reporting issue. I do not know if Mortgage Solutions have the same system as XXXX XXXX  but the open ticket number if recorded correctly by XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I purchased a new XXXX XXXX in XXXX. I have had this vehicle for six years and the vehicle is in my possession presently. The payments have been {$480.00} per month. I have experienced financial hardships on and off over the course of the loan and particularly during Covid pandemic. However, I have continued to adhere to agreements when the lender would give me time to make a payment. They would defer payments to the end of the loan. The statements that I received did not seem to be accurate or up to date and were confusing. Then I stopped receiving statements in approximately XX/XX/XXXX. As of XX/XX/XXXX a credit report shows that I only owe {$14000.00} I have continued to send payments of what I could and the last payment that I made was {$600.00} in XXXX. I have been unemployed since Covid in XXXX when I lost my job but I made payments on and off less then the actual payment amount which caused late fees. My daughter was helping me as much as she could. The lender seemed to charge off the account in XX/XX/XXXX which I don't understand because my account remained open and I was still sending payments as early as XX/XX/XXXX and continue to send payments. I had received several default notices between XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I continued to send payments during all this time at least between {$100.00} to {$600.00}. I have called XXXX XXXX many times to get help so I would not lose the vehicle because I really do not want to lose this vehicle which I have invested so many years in. I just did not get effective communication with customer service or to speak with anyone in authority and always having to explain everything over and over to customer service and would be told even though I was sending payments that the car could be repossessed at any time. This is a very stressful way to live and I have been making payments and I am just thankful that I still have my vehicle. I keep the vehicle insured and registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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 2023-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My Mortgage was due to be paid in XXXX. I had a Tax bill issues XX/XX/XXXX that had a due date of XX/XX/XXXX to be paid out of Escrow. There were sufficient funds for this bill. As previously discussed with a Wells Fargo Mortgage specialist I arranged that I would call XXXX to expedite the payment of the Tax bill in order that I could get a Final Payment Quote and make the final mortgage payment. Wells Fargo would then forward the Escrow balance to me. 
I discovered today that Wells Fargo used funds from MY Escrow account to pay off my Mortgage on XX/XX/XXXX, which is 23 days early. I gave no such permission for Wells Fargo to use my Escrow funds in this way and they did not contact me to ask permission or tell me that they had no intention of paying the Tax Bill on my behalf. They are also arranging to mail me a check for the balance of the Escrow amount 15 days from the date of pay-off. Had I not chosen today to contact Wells Fargo, as previously discussed with the bank I would have been unaware of the situation and could have defaulted on my Tax Payment. I have now had to contact the County Auditor to have a copy of my Tax Bill mailed to me so I can make the payment on time. 
I have always understood that an Escrow account was the property of the customer, and the funds were managed by the loaner to pay bills from agreed sources and when necessary refund any balance to the customer. My Escrow funds have been misappropriated to pay mortgage payment early ( over 3 weeks early ) whilst neglecting to do anything about a bill that they were contracted to pay.

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 2023-06-14 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: NJ

Complaint narrative:
Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A. 

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner. 

As of XX/XX/2023.

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 2023-06-14 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: NJ

Complaint narrative:
Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A. 

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner. 

As of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A.

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner. 

As of XX/XX/2023.

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 2023-06-14 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
I was laid off due to covid during the time of the late payments. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a money market account at Truist bank for 34 days. However, when I went to the bank to close the account, the bank had only paid me 12 days of interest, and no one ever wanted to explain to me about the other 22 days of interest missing. I asked many times about this and if I have any options to avoid losing that interest money like for example keeping the money for another week to complete 30 days, etc., but the employee was in such a rush to close the account that practically just kicked me out of the bank. 
The reason I closed the account is because I discovered that the banker that opened my account lied to me. This banker promised a guaranteed 4.5 % APY for the whole year ( yes whole year even if this is a money market ), and when I started having doubts about guaranteed money market interest for one year, I contacted the bank again and I was confirmed that this person that promised the 4.5 % lied to me and it appears he told me this to make me open the account with him. 
I have a document that confirms there are no early closing fees, so I do not understand why the bank refused to pay the promised interest. Therefore, I went to the bank again for help and asked to escalate this problem to the corporate office who apparently " ran an investigation '' and the result of this " investigation '' was that nothing can be done and that I had signed a paper allowing the bank to not pay me that interest which is not true. I even requested a copy of this paper allegedly I signed but until this date I have not received it.

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 2023-06-14 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am disputing fraudulent hard inquiries that I received on my credit report that I did not authorize and recognize on my credit reports. I contacted each Creditor Company to rectify the inquiries. They only assured me that there were not any accounts opened or created under my name. I then contacted XXXX, XXXX and Transunion credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-14 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am disputing fraudulent hard inquiries that I received on my credit report that I did not authorize and recognize on my credit reports. I contacted each XXXX XXXX to rectify the inquiries. They only assured me that there were not any accounts opened or created under my name. I then contacted XXXX, XXXX and XXXX credit bureaus. 

XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSYNCHRONY FINANCIAL 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 2023-06-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Identity fraud was used to make purchases without my permission or knowledge Someone help me file a claim for edd but I was unaware that they received my card and my benefits that were loaded on my card

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 2023-06-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: MS

Complaint narrative:
on XX/XX/2023 i transferred {$500.00} from my go card to one of my accounts and to this day the money has not transferred yet on the go card statement it says pending review but they have taken the money out of my account on the statement but it has not been transferred yet and tgoday is XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: RENASANT CORPORATION
State: GA

Complaint narrative:
I AM THE AUTHOR OF THIS COMPLAINT AS WELL AS THE ATTACHMENTS INVOLVED IN THIS COMPLAINT I checked my credit report and I noticed a inaccurate account on my report from Renasant Bank involving XXXX this inaccurate account is causing me stress and XXXX  and it also affecting my XXXX  and financial health

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/2023 I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/2023 I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section..

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 2023-06-14 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: NJ

Complaint narrative:
Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A.

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner As of XX/XX/2023 2023

Company response to consumer: Closed with explanation