vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 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: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
IN XX/XX/2022 AND XX/XX/2022 I SENT A LETTER TO CREDIT SYSTEMS TO VALIDATE TWO ACCOUNTS THEY PLACED ON MY CREDIT REPORT. I HAVE NOT RECEIVED ANY RESPONSE NOR HAVE THEY REMOVED THIS FROM MY REPORT. 

IVE INCLUDED THE LETTERS AS WELL AS THE CREDIT REPORT FOR BOTH ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TN

Complaint narrative:
I have asked this company to investigate these accounts and send me all documents /invoices originals so that I can see what I need to do next. Of course, they did the opposite

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello, in the transfer of my SunTrust auto loan to the new owners truist the process has been a mess for me personally. Ive had several months where multiple payments have been deducted from my account. After attempting to contact truist on several occasions Im left with no help. Tonight I told the customer service rep that if I did not get the help I needed on this call that I would file a complaint. He said he was transferring me and instead put me back in the system Ivr greeting.

Im completely frustrated and have asked them for their help canceling the auto payments set up so that I can make my own payments, at my own discretion. By the way, I do not owe a payment on my account until XXXX of 2023. 

One of the reps walked me through canceling my auto payments tonight but after logging back in they are still showing up as scheduled. Its very frustrating because they tell me to give it 24 hours for the account to adjust. Theyve told me this the last two times I tried the same process with them to no avail. I get busy and I just expect them to do what I ask them to do. Tonight I asked them how do I remove the bank info they have stored on file and I was ignored like what i was asking them was someone trying to run out on their bills. Again, I have good credit and I am ahead of my next payment until the spring time in most places. 

Id very much like to complain about their transparency in this ordeal. Its been less than pleasant for my family to have to shell out two years payments a month for several months this year.

Lastly, their website allows you to edit the series, delete series. Only one function works and that is editing. You can not delete the series at all.

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 2022-10-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: AXOS FINANCIAL, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Was notified they charge a {$10.00} fee to close CD. This fee not disclosed or agreed to in original CD agreement XX/XX/XXXX - XX/XX/XXXX - tried to argue fee w/ multiple phone calls and emails to Axos `` secure messaging center ''. Finally agreed to fee realizing it's only way to get my money back. 
XX/XX/XXXX - XXXX sent redemption check to invalid address ; not forwarded to me. Check returned to them XXXX - Multiple attempts to get matured CD - sent Declaration of Lost Check to Axos. Bank confirmed they received check back - '' undeliverable ''. So they had their check back and still had my money. Sent Wiring Instructions ( initially XXXX XXXX, XXXX, repeatedly. ) Finally sent registered letters to Axos CEO ( XXXX XXXX XXXX and to Axos Director of Operations ( XXXX XXXX ) ; also to XXXX XXXX. 
XX/XX/XXXX - Axos rep called me, offered to wire funds ; funds received the same day, minus penalty for early cash-in of CD ( which I didn't want renewed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
As per our mortgage company XXXX request, I will send over the XXXX completed bank statements with no wipeout proving we had been made payment the only XXXX missing payment was on our mortgage transferred on XX/XX/2022. We are still making monthly payments to our lender. 
Our Note was transferred twice in 60 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am intrested in disputing all inaccuracies on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I used my car title to borrow in XXXX from One Main Financial. This was for XXXX yrs. I recently paid them off ( XX/XX/XXXX ) they posted the check they got, released the XXXXien and sent to Dept of Rev for which I have received a title. 
Problem is this : I took out a 2nd lien on my home to pay off my debts thru XXXX XXXX. XXXX sent One Main {$3600.00} which was an overpayment in itself. They have refused to return the excess. 
My bal in XXXX was {$3400.00}, I paid {$200.00} early XXXX which was late and should have included a late pymt amt of {$10.00}. I didn't pay the fee because i knew they were getting the payoff check. So, my bal for XXXX should be at least {$3300.00} when the principal and interest was applied. 
I was paying ins for just in case I lost my job or was laid off, that was upfront fee.They took the {$3600.00}, charged an extra prin and int ( XXXX before applying the amt they got ) instead of applying the total amount to the bal due.They didn't give back the excess insurance amt but placed an additional charge again in order to use up the XXXX XXXX sent. I called and the mgr. was defensive still have not heard from them from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello CFPB, This is my third attempt to have my credit report to read correct and accurate information. I recieved coorespondence thru the mail stating the accounts were verified and updated. The documentation used to conduct their investigation where not included. Even after saying the information was verified and correct Once I viewed my consumner reports none of the information was changed. All XXXX credit bureaus have inaccurate and incomplete information on the accounts. They even have different data from eachother listed on the accounts. I've called multiple times and even sent emails to the CEO. They continue to report inaccurate and incomplete information even after saying it was verified and updated. In regards to Accounts - XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. i HAVE ATTACHED THE CREDIT FILE WITH EACH INACCURACY CIRCLED AND NOTED. I HAVE ALSO ATTACHED THE LETTER THAT I SEND VIA EMAIL TO THE CEO. TRANSUNION XXXX AND XXXX ALL REPORT DIFFERENT INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION If, after any reinvestigation of a minor item under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the 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 non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
This is a CareCredit Card..that i used for XXXX XXXX XXXX XXXX XXXX They charged Interest and fees on transactions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called and ask them why these charges and they said it was a promotional deferred payment..if i paid within a certain time... i would not be charged ... I was not aware of this at all and was not told ... I told them i can not pay this amount of charges added to my bill and they said i had to pay ... XXXX XXXX XXXX XXXX XXXX retired person and i can not pay with ridiculous amount of charges that i did not know of... please help me ..i told them i cant pay and could i get the charges off or reduced and they said No..I can not pay this amount ... what do i do ... not pay anymore? And let it ruin my credit or what should i do? 
Thank you 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 monetary relief
Consumer complaint received 2022-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have asked this company to investigate these accounts and send me all documents /invoices originals so that I can see what I need to do next. Of course, they did the opposite

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 2022-10-18 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: TN

Complaint narrative:
I have asked this company to investigate these accounts and send me all documents /invoices originals so that I can see what I need to do next. Of course, they did the opposite

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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-19 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: NC

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-19 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: NC

Complaint narrative:
The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am a victim of identity theft. Someone opened a fraudulent account in my name. I need help getting it removed. The debt collectors name is Midland Funding LLC. They are listed on my XXXX XXXX credit report. Can you help me get this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: VA

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. 

XXXX XXXX : # XXXX, XXXX : # XXXXXXXX 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 has violated my rights XXXX 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America closed my account without prior notice or explanation of reasons. I tried to get them to transfer the money in my account to my other bank account without any help. I can not access the account or the funds in the account. It's been almost a month now.

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 2022-10-18 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: GA

Complaint narrative:
Im accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15u u.s.c 1681 section 602a states I have a. Right to privacy 15 u.s.c 1681 section 604a section 2 It also states a company can not furnish an account without my written consent XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXXXXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZuntaFi Corp
State: CA

Complaint narrative:
In XX/XX/XXXX I contacted XXXX XXXX ( doing business as XXXX XXXX XXXX ) and paid for services to be completed for an offer in compromise for the IRS. 

I paid {$3100.00} to them via my credit card on XX/XX/XXXX, signed an agreement for them to negotiate on my behalf and submitted all requested paperwork. 

On XX/XX/XXXX XXXX I was told that the Offer in Compromise had been completed and I needed to submit an agreement to Zuntafi for {$12000.00} to pay back money to be sent to the IRS along with the Offer in Compromise. I was told this was a requirement of the Offer in Compromise process. 

I signed the agreement and began making monthly payments of {$620.00} in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX told me the Offer and Compromise was filed and I should hear from the IRS in a few months. 

After about 3 months I reached out to XXXX XXXX XXXX XXXXXXXX XXXX XXXX who told me that it was at the IRS waiting to be processed. I reached out to them over and over again. Finally they stopped returning my call. 

I stopped sending money to Zuntafi in XX/XX/XXXX. They reported a delinquent debt on my credit report. I asked them to verify this debt with Honest Tax. They reached out to XXXX XXXX  and they did not respond to Zuntafi. Zuntafi however did not remove this negative reporting from my credit file. 

I reached out to the IRS in XXXX and they verified that nothing had been filed on my behalf by XXXX XXXX or any other entity. I already knew this in my gut. 

I reached out to Zuntafi again and they did not remove this listing from my credit, kept me in delinquency and sent it on to a collection agency XXXXXXXX XXXX XXXXXXXX in XX/XX/XXXX. I talked with XXXX in XXXX and explained my situation. They indicated there was nothing they could do. 

I reached out to XXXX XXXX XXXX XXXX XXXX XXXX again in XX/XX/XXXX. On XX/XX/XXXX I heard back from XXXX XXXX. She confirmed that XXXX XXXX XXXX XXXXXXXX XXXX XXXX never filed an Offer and Compromise or anything else on my behalf. 

I told her this was fraud. She is now attempting to have work done as promised. 

I do not want anything to do with this fraudulent organization and want my money back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
How do I get Experian to answer 2 very simple questions. In a previous complaint # XXXX, I asked for the 2nd time for Experian to provide me with : " 1. What date did Experian receive an AUD from XXXX for XXXX, XXXX  for an account in my name? 
2. What date did Experian update my Credit report with the information they received from XXXX in XX/XX/2022. 

Thats it, two simple questions which Experian seems afraid to answer.

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