vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sold my XXXX on XX/XX/23. I requested a payoff statement from 5/3 bank through XX/XX/23, but it closed on the XXXX. That meant that 4 days of interest were due to be refunded to me. 

5/3 Bank did refund the appropriate amount of escrow, but missed refunding {$110.00}. 

I caught the error on XXXXXXXX when logging into the portal. I called customer service and the woman escalated to a manager. They agreed I was correct, filed a claim, and said the appropriate amount would be refunded. When the check arrived, it was for escrow only. 

I called again on XX/XX/23 at XXXX and spoke with XXXX XXXX XXXX indicated that there was no record of my prior call, that I " must have spoken with another department '' and that he agreed with my analysis but would need to open up a case. He would not give me a case number and said I needed to wait 7 business days for a call back. 

The interest paid was for 17 days at {$500.00}. The interest per day was then {$29.00}, and if the loan closed on the XXXX, then I should have paid {$380.00} in interest. Therefore there is a refund due of {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: LA

Complaint narrative:
My name is wrong and on the credit report. I only have one name : XXXX XXXX XXXX XXXX There is another name on the report. I called Equifax on XXXX to fix the report and they said they only have XXXX XXXX. I don't know why I have XXXX XXXX XXXX on my report. If this is XXXX XXXX XXXX report than I shouldn't any thing under XXXX XXXX XXXX from equifax on my credit report. I demand that XXXX XXXX XXXX be the only name on my credit report. I've attached my ID and Passport to prove my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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:
My name is XXXX XXXX. On XX/XX/XXXX, someone claiming to be me, opened an account with XXXX XXXX XXXX through XXXX online using my ssn, birthdate, and address which were available on the dark web after the XXXX XXXX breach. The person used my maiden name, XXXX XXXX, which I haven't used since XXXX and took out a loan for {$16000.00}. I called XXXX and XXXX after receiving the welcome packet for the loan saying this was not me, and they said not to worry about it as they put it in their fraud department. Later I got a letter with a late fee. I called again and they seemed to act like they understood. Then I was sent a letter from a collections agency. I called and said that this was fraud. They sent the case back to XXXX. Now XXXX is asking me to prove that it isn't my account. They asked for my identification, a dispute letter from identyTheft.gov and a note from XXXX XXXX  proving fraudulent activity. I gave them all the information, except the note from XXXX XXXX because that is not my account. They said we looked it up and your name is on the account. XXXX XXXX has tons of accounts with the name XXXX XXXX. I called XXXXXXXX XXXX and they did not have any accounts open with my ssn, phone number, or address. Because my information did not match up and XXXX had only given me the last 4 digits of the account number, they could not help me. XXXX won't listen and says I have less than 30 days to prove that is not my XXXX XXXX account or they will assume that the loan for {$16000.00} is legit. XXXX allowed a person to take out a large loan without asking for anything but a name, birthdate, address, and ssn. They did not ask for identification. I asked them and they confirmed that they don't with online loan requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
My name is XXXX XXXX. On XX/XX/XXXX, someone claiming to be me, opened an account with XXXX XXXX XXXX through XXXX online using my ssn, birthdate, and address which were available on the dark web after the XXXX Target breach. The person used my maiden name, XXXX XXXX, which I haven't used since XXXX and took out a loan for {$16000.00}. I called XXXX and XXXX after receiving the welcome packet for the loan saying this was not me, and they said not to worry about it as they put it in their fraud department. Later I got a letter with a late fee. I called again and they seemed to act like they understood. Then I was sent a letter from a collections agency. I called and said that this was fraud. They sent the case back to XXXX. Now XXXX is asking me to prove that it isn't my account. They asked for my identification, a dispute letter from identyTheft.gov and a note from TD Bank proving fraudulent activity. I gave them all the information, except the note from TD Bank because that is not my account. They said we looked it up and your name is on the account. TD Bank has tons of accounts with the name XXXX XXXX. I called TD Bank and they did not have any accounts open with my ssn, phone number, or address. Because my information did not match up and XXXX had only given me the last 4 digits of the account number, they could not help me. XXXX won't listen and says I have less than 30 days to prove that is not my TD Bank account or they will assume that the loan for {$16000.00} is legit. XXXX allowed a person to take out a large loan without asking for anything but a name, birthdate, address, and ssn. They did not ask for identification. I asked them and they confirmed that they don't with online loan requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
XX/XX/2022 Lockhart Morris and Montgomery based out of Texas Contacted me I recognize the number as numerous phone calls with no voicemails left over the previous weeks I answered they stated who they were and proceeded to give me information personal information about myself prior to verifying 100 % who I was I notified them that I did not at all condone or sign any paperwork allowing them to have my personal information E.G. social security number and such, also notified the individual on the phone they have been calling me and not leaving voicemails which is phone harassment in the State of Florida numerous phone calls per day or per week I did offer an amount that I could afford to settle the debt she scuffed at me and told me that she would not even attempt to submit and told me what amount I would have to pay no matter what upon telling her financial situation not giving her details but I could not afford that she said they would not agree to any of that and they gave me a set amount that is mandatory to pay, I told her if she's refusing to attempt to submit any kind of settlement then she needs to no longer contact me I have received numerous phone calls since she did inform me that apparently they know the laws and they are not breaking them according to the State of Florida statutes one phone call with no voicemail or no call back number or no identification of who is calling is actually registered and can be filed under phone harassment. Her unwillingness to try and settle is telling me that they are trying to force my hand at paying something that I can not afford and upon asking them to no longer contact me the numerous phone calls I have received since totals up to about XXXX after I notified them do not contact me because they did not want to settle they have continued to do so and as of XX/XX/XXXX they decided to add it to my credit report to try and hurt my credit after during the phone call I told them it does not need to be reported on my credit because they are refusing to settle and they are harassing me they have done so to try and tarnish my credit they waited 30 days after I told them do not contact me continue to contact me and now they're reporting it to my credit to hurt me this is harassment and bullying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit Bureau stated my accounts were properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal and they also violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Attach is first letter I sent stating this

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 2023-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
fraudulent activity on my credit report I don't recognize.

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 2023-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Below are notes I have taken while speaking on the phone with Carrington Mortgage.

Customer care agents have been helpful at times but seem to focus only on taking or processing a payment, they neglect the need to do anything more than this most of the time. Escalation agents have been professional and helped usually but most fall short and also neglect to call me back, or update IT tickets in any manner. They still need the manager 's assistance to do most things. This makes me think, I am speaking with a long-term agent also in customer care or is this actually an escalation team? 


XXXX ID : XXXX - first escalation specialist I spoke with. marked my IT ticket opened on XX/XX/XXXX as urgent. This ticket ended up being close stating no trouble found. No members from IT called me to discuss this. 

First IT ticket : XX/XX/XXXX Supervisor submitted Second IT Ticket : XX/XX/XXXX Agent requested email to supervisor. 

Spoke with Agents and requested IT ticket - Unknown original agent information as no notes were placed on the account. 

XXXX ID : XXXX - customer care agent, was rude while on the phone refusing to transfer me to the escalation team. 
XXXX ID XXXX - asked to open IT ticket for payment error, no ticket was opened XX/XX/XXXX ID XXXX- Same request to open a ticket but one was not opened. 
XX/XX/XXXX ID XXXX - requested IT ticket and to escalate, was transferred back to another customer care rep not the escalation line. 

XX/XX/XXXX - Spoke with Customer service agent who refused to escalate me prior to reading all the notes and then was given permission to escalate. Took 15 minutes, I requested he see that in the notes I spoke with XXXX on XX/XX/XXXX in the escalation department and should just transfer me. Spoke with XXXX in escalations who reached out to XXXX. XXXX and their manager rebuilt my profile and asked me to try processing a payment again. I attempted using the app and got the same error advising my routing number or account numebr are invalid. XXXX submitted a new IT ticket since the original was closed saying no issue on there end. XXXX then transferred me to Leasing department agent XXXX XXXX who stated " '' Doesnt have an ID '' and is not licensed in NYS. Said he was unable to notate my account he didn't have the ability then instantly mentioned he could try to note the account advising I have called in and would not be making my monthly payment but that he could confirm this probably will affect my month to month billing history and not meet the 12 months in a row for lending options to open up.

I advised I would be starting legal action against them. 

XX/XX/XXXX - spoke with customer care and escalations team, no update on IT ticket, still unable to process payment online. Advised I have until XXXX XXXX  EST to pay XXXX the automated phone system or by XXXX XXXX EST with an agent on the phone. Advised I would try the phone system at XXXX XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX of my student loans was forgiven in the amount of {$6600.00} out of the {$30000.00} due to my VA XXXX statues. AES as company reported this action as a write -off to my credit reports dropping my credit score in XX/XX/XXXX. I called them and customer service stone walled me from talking to anyone redirecting to fill out a credit report review form. I completed the form. Two months later, my credit is still reporting the same way, I am expecting a 1099 for the write off debt now and the company has not said anything to me.

My student loan payments were on time. I was paying my loans even for the year after I became disable because I did not think these loans were forgivable. When the Department of Education forgave my student loans they just wiped out the credit history of the loan. I do not understand this line of practice where I am being punished for being a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I just filed Complaint XXXX for the exact same reason when I got a call From Wells Fargo stating they are also voiding my new card the number I will enclose for the exact same reason.

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 2023-02-01 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX, and any other variations are false. Due to prior efforts in trying to update my name, addresses, explaining the identify theft Ive endured, following the consumer dispute process and doing my due diligence in written instruction to XXXX, XXXX, and TransUnion are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I made these third-party agencies aware of the issues with these accounts below and they still refuse to comply.

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. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXXt : # XXXX, has violated my rights. 
XXXX : # XXXX, has violated my rights. 
XXXX XXXXXXXX : # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX Solutions : # XXXX 15 U.S. Code 1681 section 602 A. States I have the right to privacy.

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

15 U.S. Code 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 non-monetary relief
Consumer complaint received 2023-02-01 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX, and any other variations are false. Due to prior efforts in trying to update my name, addresses, explaining the identify theft Ive endured, following the consumer dispute process and doing my due diligence in written instruction to Experian, XXXX, and XXXX are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I made these third-party agencies aware of the issues with these accounts below and they still refuse to comply. 

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. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX : # XXXX, has violated my rights. 
XXXX : # XXXX, has violated my rights. 
XXXX XXXX : # XXXX, has violated my rights. 
XXXX : # XXXX, has violated my rights. 
XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX Solutions : # XXXX 15 U.S. Code 1681 section 602 A. States I have the right to privacy.

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

15 U.S. Code 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 XXXX 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
Consumer complaint received 2023-02-01 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: CA

Complaint narrative:
Two credit card accounts were opened fraudulently in my name in XXXX and XXXX of 2022, respectively. One with XXXX XXXX and the other with XXXX XXXX XXXX XXXX. I immediately contacted both companies once I became aware of the fraud and they each closed the accounts and sent me confirmation letters. Both Equifax and XXXX both still show credit inquiries from both creditors still to this day and they tell me that the only way to get them removed is to start a complaint with the CFPB.

Company response to consumer: Closed with explanation