vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a late payment reflected in my account that is outdated. This should be corrected

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 2022-03-18 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: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I never got my pay from my job my job has showed me where the funds where deposited to my account the bank did not deposit my paycheck into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Certified Credit Reporting, Inc.
State: CA

Complaint narrative:
Someone has been using my information to sign up for credit cards. All of the hard inquiries on my account were made by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: PA

Complaint narrative:
My rights have been violated according to ... 15 U.S.C. 1681 602 ( a ) states I have the right to Privacy ... ..15 U.S.C . 1681 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions ... ..accounts XXXX XXXX  {$410.00}, XXXX XXXX XXXX {$780.00}, the bureaus {$850.00}, XXXX XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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:
My rights have been violated according to ... 15 U.S.C. 1681 602 ( a ) states I have the right to Privacy ... ..15 U.S.C . 1681 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions ... ..accounts XXXX XXXX  {$410.00}, XXXX XXXX XXXX {$780.00}, the bureaus {$850.00}, XXXX XXXX XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: TX

Complaint narrative:
Hello Team, I had asked my Mortgage provider, Union Bank, to exclude Owner 's title insurance ( which is stated as optional ) on XX/XX/XXXX. They replied saying they would speak with XXXX XXXX XXXX XXXX and exclude it. Neither the bank nor the XXXX XXXX XXXX XXXX never responded with any data or numbers as to what it would look like if they removed owner 's title insurance. I was communicating with the bank only all the time and the bank is partnering with the title company. 

Today is XX/XX/XXXX and we are now 3 days away from closing the home. Today, I was arm-twisted to buy owner 's title insurance by scaring me with the fact that if I don't buy owner 's title insurance, then : ( a ) my overall title charges will increase by {$3000.00} as the title company is bundling all together for a discounted rate and ( b ) that removing owner 's title insurance is going to delay my closing by 7 days. 
I had no choice but to go for it at this time. 

Also, today, XX/XX/XXXX, I had a very bad and insulting experience with one of the escrow assistants in XXXX XXXX XXXX XXXX. 

I was not told about what would happen if I reject the owners title insurance policy ( which is optional ) by representing it with proper data and numbers, much before hand. I had asked this information around 4 weeks back. 

Now, XX/XX/XXXX, I am around 3 days away from closing and I am called and I am being disturbed on my vacation with information like if I do not take the owners title insurance policy then its going to increase the overall rate by {$3000.00}. This is almost like twisting my arm, and trying to force me to take the owners title insurance policy without presenting the clear information and data to me much before hand. 

When I informed the escrow assistant that I feel insulted, there was no empathy or acknowledgment shown, rather there was a blank statement in response saying that OK we will include the owners title insurance policy. 

This practice needs to be addressed and made sure that all homeowners are treated and communicated properly. They should be treated with respect and dignity. 

The escrow assistants name is XXXX XXXX XXXX. 
My address is : XXXX XXXX, XXXX, CA XXXX Why would they do this to consumers? Why would the title charges increase by {$3000.00} if I try to deduct an owner 's title insurance by {$1200.00}? 


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 non-monetary relief
Consumer complaint received 2022-03-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I did not make none of these hard inquiries...

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 2022-03-18 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: NC

Complaint narrative:
I filed a dispute with Transunion on XX/XX/XXXX. This letter was delivered on XX/XX/XXXX. This dispute was to request that two late payments be removed from my credit report as they were inaccurate. These payments were reported on in XX/XX/XXXX and XX/XX/XXXX. At some point, my credit report was changed to show no payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with one late payment on XX/XX/XXXX. 

Furthermore, I have attached a statement from XXXX Fed showing that I clearly made the XXXX payment on XX/XX/XXXX. 

I did not receive a response within the 30 day window as required by 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 2022-03-18 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I did not make none of these hard inquiries...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed a collection account on my credit report. I immediately contact the collection agency they provided me the info to original creditor, However when I contacted the original creditor the company does not exist and they do not answer. The collection agency did not provide more details. 

This is a false debt I never received any service on the mentioned dates nor do I owe any medical bills or had any business with the original creditors. I never received any bills or invoices demanding payment never been contacted. I only got to know this through randomly checking my credit report for XXXX. 

Therefore I report fraud on my identity and I request to remove this false collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: NJ

Complaint narrative:
Please see attached files that I am trying to get rid of in my report. They are not supposed to be there, they are unverified and inaccurate. I have already been writing to the bureaus bit wouldn't listen. I hope you guys can help me out on 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 non-monetary relief
Consumer complaint received 2022-03-18 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: CA

Complaint narrative:
I never dealt with this company before.

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 2022-03-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please see attached files that I am trying to get rid of in my report. They are not supposed to be there, they are unverified and inaccurate. I have already been writing to the bureaus bit wouldn't listen. I hope you guys can help me out on this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please see attached files that I am trying to get rid of in my report. They are not supposed to be there, they are unverified and inaccurate. I have already been writing to the bureaus bit wouldn't listen. I hope you guys can help me out on 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 non-monetary relief
Consumer complaint received 2022-03-18 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act, 1. XXXX - US BANKRUPTCY COURT-DALLAS ; 2. XXXX XXXX  XXXX XXXX 3. XXXX - XXXX XXXX  4. XXXX - XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX - XX/XX/2022 9. XXXX  XXXX XXXX XXXX XXXX XXXX  has 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Chime Financial Inc
State: SC

Complaint narrative:
HAD A CHIME BANK CARD ABOUT 2 YEARS AGO. LATELY HAVE BEEN GETTING EMAIL - AD TO APPLY FOR A CARD. WHEN I DID HAVE ONE I HAD PROBLEMS GETTING THE RIGHT FUNDS ON THE CARD AND THE CARD WOULD BE USEABLE AND THEN NOT USEABLE. I APPLIED AGAIN RECENTLY ( ABOUT XXXX DAYS AGO ), AND IT WAS DENIED. I APPLIED A FEW MONTHS AGO WITH A DIFFERENT EMAIL AND THAT ONE WAS DECLINED AS WELL. XXXX 'S A PERSISTENT AD THAT IS IN MY INBOX EVEN AFTER I CHECK THAT I *DO N'T WANT* TO SEE THE AD. 
ANOTHER POINT, I MAY HAVE USED IT BEFORE TO GET DIRECT DEPOSIT FOR TAX REFUND, THIS WOULD HAVE BEEN XXXX TAX YEAR. MY INFORMATION COULD POSSIBLY BE STORED WITH THE COMPANY WHO I LAST GAVE THIS INFORMATION TO. WITH DATA SELLERS, DATA BROKERS AND HACKERS- IM CONCERNED THAT SOMEBODY MIGHT HAVE ACCESS TO MORE INFORMATION THAN THEY NEED OR THAT I WOULD HAVE GIVEN ACCESS TO. I USE PRE-PAID ACCOUNT CARDS OVER TRADITIONAL BANK ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX, I had asked my Mortgage provider, XXXX Bank, to exclude Owner 's title insurance ( which is stated as optional ) on XX/XX/XXXX. They replied saying they would speak with First American Title Company and exclude it. Neither the bank nor the First American Title Company never responded with any data or numbers as to what it would look like if they removed owner 's title insurance. I was communicating with the bank only all the time and the bank is partnering with the title company. 

Today is XX/XX/XXXX and we are now 3 days away from closing the home. Today, I was arm-twisted to buy owner 's title insurance by scaring me with the fact that if I don't buy owner 's title insurance, then : ( a ) my overall title charges will increase by {$3000.00} as the title company is bundling all together for a discounted rate and ( b ) that removing owner 's title insurance is going to delay my closing by 7 days. 
I had no choice but to go for it at this time. 

Also, today, XX/XX/XXXX, I had a very bad and insulting experience with one of the escrow assistants in First American Title company. 

I was not told about what would happen if I reject the owners title insurance policy ( which is optional ) by representing it with proper data and numbers, much before hand. I had asked this information around XXXX weeks back. 

Now, XX/XX/XXXX, I am around 3 days away from closing and I am called and I am being disturbed on my vacation with information like if I do not take the owners title insurance policy then its going to increase the overall rate by {$3000.00}. This is almost like twisting my arm, and trying to force me to take the owners title insurance policy without presenting the clear information and data to me much before hand. 

When I informed the escrow assistant that I feel insulted, there was no empathy or acknowledgment shown, rather there was a blank statement in response saying that OK we will include the owners title insurance policy. 

This practice needs to be addressed and made sure that all homeowners are treated and communicated properly. They should be treated with respect and dignity. 

The escrow assistants name is XXXX XXXX XXXX. 
My address is : XXXX XXXX, XXXX, CA XXXX Why would they do this to consumers? Why would the title charges increase by {$3000.00} if I try to deduct an owner 's title insurance by {$1200.00}? 


Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Regarding Synchrony Care Credit Account : I havent used for years. They added a added fee to each month from anywhere between $ XXXX each month. I have made all my payments on time. 

Since XX/XX/XXXX I have paid a total of XXXX as of XX/XX/XXXX. My balance is still over XXXX according to a XXXX search, They add a XXXX fee for every {$100.00} buck according to info online. I've paid over {$2000.00} in the last year and my balance has hardly decreased. I am unsure how much that I was charged and when it started. I have never authorization that type of insurance because, I have a stable job that is salary and make over XXXX a year. 

I want to find out when these charges started and I want a full refund of all the payments because this insurance was NEVER authorized.

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 2022-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I am a traditional XXXX recipient. XXXX refused me service on XXXX until I paid {$75.00} up front- which I did with a credit card ending in XXXX. 

XXXX refunded my cc payment for services rendered ( dos XXXX ) on XXXX XXXX on the original credit card ending in XXXX, then sold that debt to XXXX XXXX who reported it to XXXX. This process is called " Debt Dumping '' and as a consumer, I should not be penalized when a company REFUNDS my PAYMENT so they can claim a lower debt ratio on their bottom line. 
XXXX refused to remove it. 
XXXX claims ignorance. 
XXXX said I didn't owe it, then yes I do, then no I don't because of the refund- but sold it to XXXX anyway. 
While they finger point, my credit is tarnished. 
Meanwhile, XXXX gets to have its cake and eat it too by showing lower debt while in merger talks per XXXX XXXX XXXX XXXX and gets paid when they sell the debt! I've contacted everyone involved at least twice. No response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Few moments in my life has been as severe and as stressful as the months I spent dealing with an ex-boyfriend who stole everything I had including my car and proceeded to crash it causing me weeks of financial disarray. However Santander exercised and abused its fiduciary responsibility regarding the obligation to pay when gap insurance was sold to me with ease and I made those payments quite often. There should be no excuse to issue gap insurance which is always questionable at the finance table and still be able to harass me for the different code and what it is now a repossession that should have been just simply an accident

Company response to consumer: Closed with explanation