vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Comerica
State: PA

Complaint narrative:
First of all, None of your general descriptions meet my true issue. My Direct Express XXXX ( Comerica Bank ) was hacked for approx XXXX on XX/XX/XXXX and possibly XXXX, 2022. I have filed disputes that they send ticket numbers for but say forms were not received and now I am told that I will not get the provisional credit because paperwork not received ( I sent several times via fax XXXX ) and email provided on forms ... The dept of welfare and Medicaid sent money to my account by the time I knew it was there It was taken from Direct Express card by companies I have no knowledge of ... XXXX plus at 1 company and over XXXX at another plus residual money 's totaling approx amount mentioned, I didn't order or receive merchandise and my card is always in my possession. Please contact if more info is needed. Card company dispute dept is not helping at all. They say they are backed up but then how can you say paperwork wasn't submitted in timely fashion, my initial correspondence was via their dispute dept fax # please assist if possible here as I'm not sure how I can get my money back and no one says how they investigate as looking at my history they should get clues that I didn't hack my own acct. Please help or refer ... XXXX XXXXXXXX XXXX ( Dispute # XXXX ) card last XXXX : XXXX. Social last XXXX : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a 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 2022-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
While attempting to get a new mortgage on a new home built on the same property I was told that Suntrust/Truist held a lien on the property from the home equity loan that was taken out on XX/XX/XXXX. The home equity loan was paid in the full amount of {$4600.00} on XX/XX/XXXX. Loan payoff number XXXX was indicated on the check, this number was provided by the customer service member at the branch office of Truist. 

On XX/XX/XXXX I contacted Truist via their toll free number to initiate a lien release and provided the information needed to initiate the release. I was told that processing would take 1-3 working days. Truist did not start processing the request until the XXXX according to computer information provided by a local branch manager when I visited her on the XXXX of XXXX after numerous failed attempts to obtain information on the phone. On the XXXX the claim was 7-10 working days to finish the release Branch manageXXXX XXXX XXXX has been fantastic in contacting " the back office '' to check on progress of the paperwork but has been unable to get the processing done even by placing it on expediated notice. I was assured that the release would be processed by XX/XX/XXXX and per my county office this has not occurred. 

I requested that Truist provide my closing attorney with a letter stating that they were processing the lien release and they stated that since it was being processed that they would not issue anything until their process was completed. I am unable to close on my new mortgage and will lose the rate that I have locked in at if Truist does not process this release, costing me XXXX of thousands of dollars. 

Six months should be adequate time to process a lien release!

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 2022-10-11 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-10-11 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX account # XXXX have violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-10-11 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: GA

Complaint narrative:
On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. 

per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

These accounts XXXX XXXX  XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) 168i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation. 

No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? its been way over 30 days and still no results on any investigation Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. 

I thought a cra had 30 days to complete a full investigation please detail me on why the law has been violated?

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 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
Account stating collection with account status of derogatory with date open on XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX  both are stating a balance of {$440.00} is reporting incorrect. I have tried contacting the bureaus and the creditor to get the situation straightened out and results to the investigation continue to come back and correct. Date last active has been reported by XXXX XXXX as XX/XX/XXXX with XXXX  while XXXX  reports as XX/XX/XXXX. XXXX XXXX is recording a comment on credit report saying account information disputed by consumer meets FCRA requirements. I strongly disagree as there is no possible way that account can be both on collection while derogatory at the same time and having date last active in accurate. There is no way that both bureaus can be right if information is coming from the same furniture data account is being re-aged pushing back the date it should fall off. 
Second account just different account number with one month difference on date open and slightly different balance reporting incorrectly. 

Account is stating collection with derogatory And date open nest XX/XX/XXXX by XXXX XXXX while XXXX report date open as XX/XX/XXXX both with a balance of {$360.00} is reporting incorrectly. Recording day less active as of XX/XX/XXXX to buy XXXX XXXX and XX/XX/XXXX by XXXX. XXXX XXXX is recording a comment saying account information disputed by consumer meets FCRA I strongly because theres no way that account can be collection interrogatory at the same time and recording an accurate date of last active and date account being open account is being reached pushing back the date it should fall off I do not recall having either of these two accounts especially being just a month apart and to be honest I believe this account is a duplicate Both accounts are reporting exactly the same information with the only difference of account balance and account number being different.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX  XXXX account # XXXX have violated my rights. XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX  account # XXXX have violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX  account # XXXX have violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-10-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX Account # XXXX, as well as the reporting agencies have violated my rights. I am promised the accuracy of my credit report by Federal Law and I am making another attempt to have these errors corrected on my credit file under 15 US Code 1681.

The facts related to and the reporting of said accounts are inaccurate, false, and misleading. They are causing undue stress and violating my rights according to 15 USC 1681.

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 2022-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-10-11 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: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN

Complaint narrative:
this is a follow up from a complaint that I filed 5 months ago. but from an issue 12 months ago. 

My previous complaint was : I was impacted by Covid pandemic and I began a forbearance plan XX/XX/XXXX to XX/XX/XXXX. Before it ended, I applied for a loan modification in XX/XX/XXXX. I was approved for a loan modification for 3.1 % which would bring my mortgage down from {$2200.00} to {$1700.00}. XXXX also applied for the home assistance fund. They payed {$30000.00} in XX/XX/XXXX brought current and wouldn't allowed me to get a loan modification and that my issue was resolved. They would not allow me to file another pandemic modification so I had to do a normal modification. I sent in 80 plus documents and the pandemic documents needed none. I was denied because of a {$140.00} food stamp. I should have been approved. I have called over 30 times and received 2 call backs. I called HUD and FHA recourse center. I believe XXXX XXXX is obligated in assisting with my loan modification but are unwilling to do so. I can not reach anyone and when I do, they tell me a supervisor will call me back but they never do. It is frustrating to have to deal with this each time you try to call them. 

... .within days of me filing this initial complaint, I got a response from lakeview and after a slew of deceitful attempts to INCREASE my interest rate, I was finally to the point I was at XX/XX/XXXX with my approved interest rate and payment. I was once again approved for a modification with 3.125 % and a {$1700.00} payment that was approved XXXX but supposed to start XX/XX/XXXX XXXX middle of XXXX I reached out to lakeview because I did not recieve my mortgage statement and online it was showing a different payment amount. XXXX from XXXX reached out and said that the loans are only bought out a certain day of the month and I will recieve a bill when it is due. I also reached out XXXX to pay my mortgage and was told I could not. it was a waiting game until I got a letter a couple weeks ago saying I was past due on my mortgage. I contacted lakeview and XXXX from XXXX called me mid XXXX and said that I need to pay {$6000.00} ish ( from XXXX, XXXX and XXXX ) before they will even buy out my modification even though I had an executed copy of the agreement from lakeview furthermore, they increased my payment from XXXX to XXXX. I stated that I don't have {$6000.00} since I never received a bill and asked to pay my mortgage numerous times and was told I had to apply for a new modification with the current interest rates of like 7 %. I have been dealing with this for over a year now. they are so so so deceitful and I have caught so many lies that I am uncomfortable committing to work with a deceitful company for an additional 30 years

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 2022-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
The initial complaint is with XXXX XXXX. XXXX .Who was a division of XXXX XXXX XXXX will no longer have any correspondence with me as they do not service my mortgage anymore. Close the end of a forbearance period In 2021 I had applied for and was given a new interest rate of XXXX XXXX. 
The new bill clearly spelled out the individual amounts which was to go to Principal, Interest and Escrow. I began paying the total amount which was {$1000.00} {$260.00} : for Principal, {$420.00} : Interest, and {$330.00} towards Escrow. 
The outstanding Principal at the beginning was {$150000.00}. 
I was late on my XXXX payment but Doubled up on my XXXX payment. 
I called in to let them know what I did, I was told that I was not late in fact I had overpaid!, which came as a surprise to me. 
Looking further at my Statements December 2021-May 2022 my statement had {$260.00}, going to Principal, {$420.00} to Interest and {$0.00} going to ESCROW. 
I asked about this several times, even asked to speak to a XXXX who told me all was well. In XXXX I received a letter stating that my taxes and Insurance had to be paid, as there was insufficient amount in my Escrow account my Escrow payment amount would now have to increase. My new Monthly payment would be {$1100.00} with {$440.00} going to Escrow. In XXXX of XXXX again received another assessment This time my Monthly payment would be {$1100.00}, with {$510.00} XXXX going to Escrow, {$260.00} Principal and {$410.00} to interest. 
In XXXX the mortgage was transferred to Fay Servicing. I called about paying my XXXX Mtg but was told I couldn't as I had no account number. I was able to pay both XXXX and XXXX. I have now received another statement from Fay servicing, stating that I have insufficient amount in my Escrow account, my new monthly payment will be {$1300.00}.

My interest rate has gone down but my payments have increased and principal is increasing. *****There obviously was a dire mistake at the start which has continued to snowball. If this continues, I WILL NOT BE ABLE TO PAY MY MORTAGE. 
Please help solve this unfair mistake that I'm paying for. 
thank you XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: MOHELA
State: WV

Complaint narrative:
XX/XX/XXXX - XXXX - disputed XX/XX/XXXX with CFPB and requested account to be removed as it is a violation of 15 USC 1681 section 602 A, my right to privacy, 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish an account with my written instructions and 15 USC 1681c. ( a ) ( 5 ) section, no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes... I am requesting to have the account deleted from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE THAT ARE NOT MINE AND I HAVE NO KNOWLEDGE OF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: AR

Complaint narrative:
Trans Union has willingly and knowingly reported false information to my consumer report. check out 15 USC 1681 ( a ) ( 1 ), the banking system is dependant upon MY CONSUMER REPORT being FAIR and ACURATE. 15 USC 1681 ( a ) ( 2 ), TRANS UNION IS A POWERLESS ELABORATE MECHANISM. 15 USC 1681 ( a ) ( 3 ) for assuming your so called role and 15 USC 1681a ( d ) ( iii ) Due to I XXXX XXXX a natural born flesh and blood woman I did not GIVE your corporation CONSENT to FURNISH ANYTHING on my CONSUMER report. I filled a complaint through the cfpb on XX/XX/2022 The corporation responded and asked that I provide the alleged debt accounts I've complained about. 
I have yet to receive the XXXX proof from this XXXX XXXX that the alleged debt is accurate.

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 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I had XXXX American Express prepaid cards, Bluebird # XXXX {$77.00} and XXXX # XXXX {$66.00}. I had my paycheck direct deposited into my XXXX  account. I called American Express and they claimed they would send me a check in to mail and its been over a month already. They essentially closed both my accounts for violating terms of conditions, for simply entering my pin incorrectly at the ATM to withdrawn money from both accounts since I no longer used both the accounts. My funds were illegally taken by American Express in violation of Federal Banking Laws and they must be returned. 


Emails from American Express XXXX, XXXX XXXX, During our recent review of your Bluebird  Prepaid Debit Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. 

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team Hi, XXXX XXXX, Your Bluebird  balance is currently {$77.00}. As a reminder, you scheduled this regular balance update in your settings. 

Want to change or cancel this balance alert? You can do that here. 

Questions or want to learn more about Bluebird? Visit us at Bluebird.com/faqs. 

Thanks, The Bluebird Team

Company response to consumer: Closed with monetary relief