vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 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: FL

Complaint narrative:
I have sent letters and affidavits to all 3 credit bureaus Equifax, XXXX, and XXXX all for the violation of 15 USC 1681b ; furnishing a consumer report without consent of consumer. I have sent supporting documents of these US code that is backed by the supreme court which has authority over any state. Each of these bureaus have failed to acknowledge my request to remove accounts from my credit report. I am requesting that something is done about the actions I have taken to handle these matters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters and affidavits to all 3 credit bureaus XXXX, XXXX, and Experian all for the violation of 15 USC 1681b ; furnishing a consumer report without consent of consumer. I have sent supporting documents of these US code that is backed by the supreme court which has authority over any state. Each of these bureaus have failed to acknowledge my request to remove accounts from my credit report. I am requesting that something is done about the actions I have taken to handle these matters

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 2022-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Express Collections, Inc.
State: TX

Complaint narrative:
I Originally contacted Express Collection agency after seeing the account on my credit report I ask them to validate the debt exhibit A letter sent to them on XX/XX/2021 I Received a copy of a contract from a creditor I reached out the creditor they sent letter staying referenced account has been acquired by XXXX XXXX XXXX not Express collection I demand that they remove this account from my credit admittedly cause there in violation of Validation of Debts 15 U.S.C. 1692g

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: MN

Complaint narrative:
I received a message of a fraudulent charge that wasn't fraudulent. I used the text system to say that it wasn't. Then I tried to use my card for a few purchases and it would not let me use my card. They sent me to 3 different people all telling me the same thing. I love US bank because of the convenience and the customer service is great when it works, it just takes forever. And the constant shutting off my card is an embarrassing experience.

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 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, a Specialized Loan Servicing ( SLS ) agent called me and advised that I was behind on my XX/XX/XXXX payment. The agent advised that due to the COVID-19 pandemic, I would qualify for a 3 month forbearance that would begin XX/XX/XXXX and the payments that were under forbearance could be placed to the end of the loan. I agreed to the forbearance and it was approved. Throughout the next year and a half, I was offered to extend the forbearance by the SLS and I accepted ( as my income was limited due to reduced hours ). In XX/XX/XXXX, I contacted SLS because I wanted to know how I would resume payments. I spoke to XXXX who advised I would have to request that the payments be placed on the back of the loan from the investor. He stated he would put in the request. I continued to call back multiple times over the next month and spoke to multiple reps who advised the deferment request was still processing. On XX/XX/XXXX and spoke to XXXX who advised that I would have to make a payment in order for the deferment request to be submitted- I made a {$1900.00} mortgage payment on XX/XX/XXXX and after I was told multiple times that the request was processing, I was finally advised on XX/XX/XXXX by XXXX from SLS that I did not qualify to place the payments to the end of the loan because my account was deliquent in XX/XX/XXXX. I asked why would I be advised that placing the payments to the back end of the loan was an option if I didn't qualify at the time. XXXX advised that things changed during the course of the forbearance and she could not explain. If things changed, why was I not made aware? XXXX advised that I should fill out the modification paperwork and send it in. 
I filled out the modification paperwork and sent it in to SLS and was contacted by XXXX from SLS on XX/XX/XXXX asking who advised me to fill modification paperwork because I did not qualify for a modification. I would only qualify for a deed in lieu or short sale option. 
If I were not given misinformation initially about the forbearance payments possibly going to the end of the loan, I would have drawn against my retirement while I was being considered for a furlough and paid my mortgage while I was out of work/had reduced work. SInce I thought payments would go to the end of the loan, I did not consider that option. Now, I am being told that my loan will go into forclosure. I feel that mistakes were made by SLS and now I am paying for it. I have called and requested to speak with an SLS supervisor several times and have been promised callbacks that never happen. I feel like this was a plan by SLS to obtain my house malicious means.

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 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.

Complaint narrative:
Flagstar Bank has a forbearance process due to COVID-19 for those needing to bring loan current, and modify terms. The main issue it appears, none of their systems take to each other. Meaning, if you call to speak with someone, and they input the request does not mean anything. You still must go online and submit the application, which is not clear on requirements, and criteria. I was promised a six-month reprieve until XX/XX/2022. However, I received a " Notice of Default and Intent to Accelerate '' letter stating the {$23000.00} must be paid by XX/XX/2022. 

The notice sent has a phone number XXXX to contact. However, when contacting the office, and no one is available. I have left a couple of messages within the past 2 weeks. The message system even leaves your contact number in the queue for a return call. I'm concerned, the left hand and the right hand are not talking to each other purposefully.

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 2022-01-03 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: A-L FINANCIAL CORP
State: CA

Complaint narrative:
I believe my former roommate or his guest stole my identity to obtain a car loan in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX : I made a FINAL payment to Lane a bryant comenity bank for {$120.00} confirmed. 

it went paperless XX/XX/XXXX i have received a statement to my email every month until XX/XX/XXXX. 

I spoke with not t to find out payoff ON XX/XX/XXXX. I made the payment XX/XX/XXXX XXXX CSR : ID XXXX of comenity / supervisor waived all fees this was still a deceptive practice since i spoke with them on the XX/XX/XXXX and the payment was already late by a day today they said it was due the XXXX but never mentioned that on the last call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: Nelnet, Inc.
State: FL

Complaint narrative:
I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' some report. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT to the following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S NELNET, AND XXXX XXXX XXXXXXXX XXXX XXXX XXXX have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I received an email from American Express XXXX back in XXXX that I could receive XXXX bonus miles for referring friends and family. I directly forwarded that link to a friend to sign up for a XXXX AMEX XXXX XXXX. The friend filled out all relevant information and submitted. He received his card and started make purchases. I didn't hear or see anything in my account on the XXXX miles. I reached out on XX/XX/XXXX to American Express to inquire. They told me to wait a few days and they'd look into it. On XX/XX/XXXX, I asked again and was told to continue to wait a few days. Then on XX/XX/XXXX, I reached out again and was told that my friend didn't follow the referral link I sent and I was not owed the miles. I was with my friend when he clicked the link I forwarded him, as I was helping him set his card up. There is no possible way he signed up for this card otherwise, as I'm the only one who told him about the card and how since we traveled so much for work, he'd get a lot of miles and status with the card. American Express is trying to keep me from XXXX bonus miles, which is {$700.00}. I believe they're doing this intentionally to avoid paying out customers promised promotions while still receiving new customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On my credit reports, Transunion, XXXX, and XXXX there are 6 credit inquires from XXXX XXXX that is duplicate and/or fraudulent. I called XXXX and they did take care of it by deleting it. When I called Transunion and XXXX, they both told me this could not be done by them. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Also, I while I was car shopping I specifically asked XXXX with XXXX XXXX of XXXX, Louisiana to only use XXXX XXXX for financing my vehicle. Looking at my reports he did not and he will not return my calls. The same happened with XXXX 's XXXX in XXXX Louisiana in XX/XX/XXXX. I have called, left messages, and emailed the manager and have yet to hear back from anyone and it has been over a year. I am fully aware of how car dealerships run your credit to multiple places and that is why I was very specific. Now that I am checking my reports my wishes were not honored. I was given a verbal yes but the proof is on the reports. 
Here is a list of the additional inquires : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You continue to list this unliquidated, subject of ongoing lawsuit, where there a cross claims counter claims sisputed amounts, negligence. Hence the debt is not due yet you continie to allow it to impact my credit and my life. You dont care. This is tpur last chance to fix. My complaint is with Experian

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 2022-01-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I believe my former roommate or his guest stole my identity to obtain a car loan in my name.

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 2022-01-03 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: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I am challenging the accuracy and integrity of the account type information contained on this report furnished by Maine XXXX XXXX XXXX. The account was reported during a global pandemic when there was an executive order not to report derogatory information to the agencies. I am a veteran and the information being reported includes information that is affecting my creditworthiness. The information in the furnisher 's possession about the account is misleading in evaluating my ( the ) consumer 's creditworthiness, credit standing, credit capacity, character, general reputation.

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 2022-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Its been reported that I have two accounts open with capital one and then saying I am 90 days behind on payments.. I have two credit cards one with capital silver something I believe then one is XXXX XXXX XXXX the only two I have.. then I have never ever been 90 days behind so not sure if someone got my information or error somewhere but not sure where this information come from and saying XXXX years with that one I didnt have one XXXX years ago.. I think the two I have now it hasnt been a year yet but maybe alittle over but before those two never had a credit card ever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I transferred cryptocurrency from Coinbase to Coinbase wallet. They sent an email saying it was paused, gave me an option to cancel, which I did. Today I tried to transfer it back and it said I needed to pay a large fee $ XXXX and I was willing to pay. The payment method came up blank with a back arrow. Its a small amount of money but its stuck there, I can not do anything with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I purchased my home and it was mortgaged through XXXX XXXX in XX/XX/XXXX. My monthly payment was {$830.00}. Chase bought my mortgage from XXXX XXXX in approximately XX/XX/XXXX. Since that time my monthly payment has steadily increased till now it is currently at {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXXXXXX XX/XX/XXXX {$14000.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/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 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: GA

Complaint narrative:
TILA violations 1. Company removed contract out of the system to avoid TILA and it is notated that in my file with NACA. 
2. I did not get anything in writing within the three-day time frame and NACA works on Saturday.

3. I also did not get anything in writing about XXXX accommodation. 
I had no frustration with my housing counselor, and she was wonderful, but my complaints came from management with my loan file. 


Providing Loan Estimates to Consumers- 1. When is a creditor required to provide a Loan Estimate to a consumer?

Hide Generally, a creditor is responsible for ensuring that a Loan Estimate is delivered to a consumer or placed in the mail to the consumer no later than the third business day after receipt of the consumers application for a mortgage loan subject to the TRID Rule. 12 CFR 1026.19 ( e ) ( 1 ) ( iii ).

For transactions subject to the TRID Rule, an application consists of the submission of the following six pieces of information : The consumers name ; The consumers income ; The consumers social security number to obtain a credit report ; The property address ; An estimate of the value of the property ; and The mortgage loan amount sought.

12 CFR 1026.2 ( a ) ( 3 ) ( ii ).

If the consumer submits these six pieces of information, the requirement to provide a Loan Estimate is triggered, and the creditor must ensure that the Loan Estimate is delivered or placed in the mail within three business days. The creditor or, if a mortgage broker receives a consumers application, either the creditor or the mortgage broker may mail or deliver the Loan Estimate.

Because the definition of application refers to the submission of the six pieces of information, merely maintaining such information from a previous transaction or business relationship does not constitute receipt of an application ( unless the consumer indicates that the information maintained by the creditor should be used as part of an application ). Additionally, if a consumer starts filling out a form online, enters the six pieces of information that constitute an application for purposes of the TRID Rule, but then saves the form to complete at a later time, the consumer has not submitted the six pieces of information that constitute an application for purposes of the TRID Rule. See 78 Federal Register 79730, 79768 ( Dec. 31, 2013 ).

https : //www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/tila-respa-integrated-disclosure-faqs/

Company response to consumer: Closed with explanation