vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: CO

Complaint narrative:
Discovered an auto loan account in my Experian credit report being handled by XXXX ( XX/XX/XXXX ). I called XXXX ( XX/XX/XXXX ) to inquire about the account, but they were unable to locate an account with my personal information ( SSN, Address, Name, DOB, Phone Number ). This occurred on multiple occasions ( XX/XX/XXXX, XXXX ). I also filed a dispute with Experian ( XX/XX/XXXX ) to have the account removed. The dispute results ( XX/XX/XXXX ) were provided and XXXX reported that the account did in fact belong to me. Again, I called XXXX and they are not able to find an account number associated with my personal information. I then called Experian ( XX/XX/XXXX ) and uncovered that there are several addresses, an employer, phone number, and name ( similar to mine but with a hyphenated last name ) tied to me. They were able to remove one of the addresses, employer, and telephone number, but not the auto loan account and name ( with identification number ) that is not mine. It seems the second address, auto loan account, and name ( hyphenated ) are tied together. Experian acknowledged via phone call that the information being disputed is not mine, but refused to remove the information since XXXX asserted the information belonged to me. XXXX is also reporting my name is different via an email I received from them on XX/XX/XXXX asking for my SSN and copy of credit report. I did not respond as they should be requesting the information through Experian and not be contacting me directly. I feel I am a victim of fraud and request a thorough investigation be completed on XXXX and to have the information removed from my credit report. I also plan to file a fraud report with the local authorities. 
I have since received two responses from Experian, an interim on XXXX XX/XX/XXXX to allow more time and then a company response on XXXX XX/XX/XXXX. The response provided was inaccurate and did not resolve the issue. It only created more of a concern as XXXX reported the information as not a match on XXXX XX/XX/XXXX ( please see attached document ) and Experian was not capturing the information accurately ( similar, but not a match ). Experian also references a result summary sent XXXX XX/XX/XXXX but no result summary dated in XX/XX/XXXX has been received as of XXXX XX/XX/XXXX via separate correspondence or through the CFPB site. What does Experian plan to do to correct the inaccuracy in their records and remove this account from my credit history? Has the correction XXXX references in their response been received by 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 non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I've deposited {$1000.00} for a new vehicle purchase at XXXX XXXX XXXX in XXXX, VA as the dealership doesn't have in stock vehicles for the model of the minivan that I was looking to buy. I've presented a {$1000.00} cash allowance bonus credit email offer received from Chrysler corporation, which did not mentioned in any of the terms and conditions that the cash allowance bonus credit needs to be used only for a XXXX model vehicle. The same was not validated by the sales person/manager when my vehicle order was confirmed in XX/XX/XXXX. At the time of my minivan delivery in XX/XX/XXXX, the dealership denied the cash allowance bonus credit as their internal system showed that it's valid only for XXXX model, which I was not informed earlier. The sales person told me they would contact Chrysler corporation and make sure the check is sent from Chrysler and they've charge me {$1000.00} more than I was told. I've emailed since then to the XXXX XXXX XXXX who have ignored the same. I've stopped by the dealership and asked the same sales person and they've now changed their words and told they can not help. Chrysler corporation customer service has also said they can't accept the credit voucher as it's for XXXX model even though no where is that mentioned in the offer. There were no XXXX model vehicles in XX/XX/XXXX and I had to order a XXXX model per dealership suggestion. 
My numerous attempts to get the offer accepted from both Chrysler corporation and XXXX XXXX XXXX have gone in vain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXX BANK XXXX, XXXX CARD XXXX, CALIFORNIA 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 2022-03-08 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: NV

Complaint narrative:
You broke the law and are in violation!!! I have enclosed all documents which includes ( Previous CFPB complaint, copy of my drivers license, identity theft report, & statement with instructions ). ( Please see attachments )

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 2022-03-08 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: CA

Complaint narrative:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FISERV FINXACT CORE
State: DC

Complaint narrative:
Last week I stopped to buy a few food items at my XXXX XXXX in my neighborhood. I wrote a check to cover my items and included a cash back amount. 

Funds were in my account. However the cashier and her manager showed me the print out from Telecheck stating that my check was declined. 

For forty minutes I was embarrassed trying to rectify that I do not bounce checks. Everyone could see and hear me upset. 

I called my local bank but it was shortly after XXXX. I thought that someone could confirm that my funds were available. But the manager said that they could only take Telecheck XXXX confirmation and they could not override the denial. 

The manager asked me to write a second check for a lesser amount of cash back which I did. Again, Telecheck rejected the second check! The XXXX manager apologized and suggested I call Telecheck. 

Again, forty minutes is a long time to see strangers staring at you when you are trying to purchase just a few items-something from the hot bar for dinner, some coleslaw and water. It took over 15 minutes to get through a repeating, convoluted automated menu to get a live person on the phone. 

The Telecheck customer service representative denied that Telecheck was at fault and asked me to have the vendor resubmit my check. I told this person I could see the receipt and the message citing the Telecheck denial! 

A friend I had just been with for two doctor appointments was waiting this entire time in the car- I had no idea that I would be subjected to this type of treatment! 

And the company blamed the vendor! even as I saw the print out on both of the XXXX receipts! I have both of my rejected checks and one of the receipts. 

The manager explained she needed the first receipt to void out the transaction. I left embarrassed, angry and upset without my dinner and no water. Later I went to a private smaller local grocery store to get some water. 

The manager wished me good luck after she told me that she herself had suffered a false accusation by Telecheck that caused her serious problems. 

At that point I told her that I would be filing a formal complaint against Telecheck. I do not bounce checks. This denial was completely humiliating for me. Disgusting company that should not be allowed to soil peoples reputations and then lie about their behavior.

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 2022-03-08 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: NY

Complaint narrative:
n Accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX account # 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 2022-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION
State: MN

Complaint narrative:
On XX/XX/XXXX, Alliant mailed me a letter stating that Alliant would close my accounts. A copy of this letter is enclosed for your reference. On XX/XX/XXXX, Alliant disabled my online login and ceased sending monthly statements. In light of Alliants actions and its threat that it would close my accounts, I believed that Alliant did close my accounts. 

On or about XX/XX/XXXX, Alliant mailed a Statement of Account that indicates Alliant did not close my savings account in XXXX. Unbeknownst to me, Alliant retained {$54.00} in my savings account. A copy of the XXXX of Account is enclosed for your reference. The Statement of Account indicates that an inactive fee, escheat fee, and dormancy fee were charged against my account in XXXX to bring my balance to zero and close my account. 

On or about XX/XX/XXXX, I mailed a letter to Alliant similar to this complaint, asking Alliant to return the {$54.00} it wrongfully withheld from me. As of XX/XX/XXXX, I have not received any response. 

Since Alliant wrongfully withheld account statements, disabled online account access, and informed me that my accounts would be closed, I had no way of knowing that Alliant kept my account open after it claimed it would close my accounts. Alliants decision to retain my {$54.00} was wrongful. Thus, I request that the various fees imposed in XXXX, XXXX, be reversed and that my {$54.00} be returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My companys bank account with US Bank was frozen on XX/XX/2021. I made several phone calls to them and visited the branch more than 5 times. When I first called, they told me it would be resolved in 3 weeks or so. However, after a while, they informed me that my account would be officially closed on XX/XX/2021 and advised me to discuss with the XXXX XXXX branch regarding the balance being refunded to me. 
I visited the branch again in XXXX and around the end of XXXX. That is when they told me to submit invoices for 4 checks. They claim that verification is required for about {$17000.00} of the total frozen amount of about {$50000.00}. I asked one of the bankers at the branch if he could provide documents, such as bank statements for the checks that they needed verified. They told me to provide invoices for the 2 checks and the full bank statements for the other 2 checks, instead of partial statements. I was under the impression that US Bank can complete a verification process through copies of the cleared checks in question and/or statements showing the items had cleared. Many of these checks that they are wanting verified are checks from customers that have been deposited into my account several times prior. This random request makes me feel like this is just a way for them to stall releasing my funds that are currently still frozen.

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 2022-03-08 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: GA

Complaint narrative:
Dear CFPB I made a complaint against Equifax since XXXX XXXX, they said they were still working on it until today XXXX XXXX nothing happens It shouldn't take two month at all my credit report have not change still the same inquiry. 
I never consented to authorize nor benefited from all Inquiries and accounts mentioned on my Identity theft repot, Block, and delete them. If I have received goods and services from the furnished Inquires and account, Equifax have one of their senior executives certify under the penalty of perjury that I did receive good and service from those transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
This company has illegally obtained my mortgage. They had never received permission via court or my personal. This violates my mortgage agreement. They have also obtained my personal and Social Security numbers without my permission which is considered identity theft. Which means the company has committed a felony which violates their mortgage licenses. 
Besides this factor they have the wrong mortgage amount which is almost {$15000.00} more than my current amount. They have the wrong number of years left on my mortgage. They also have the wrong escrow amount. The wrong interest rate. Everything they have for information is wrong I have attempted to contact the company and they have refused to respond that. They keep attempting to have me sign a contract which I have refused because I am not associated with them and will not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc.
State: TX

Complaint narrative:
I entered an apartment lease right before the coronavirus pandemic hit in XX/XX/2020. So they knew I was XXXX XXXX XXXX XXXX XXXX XXXX. They obviously had all my pay stubs and such. I was also getting out of a XXXX XXXX situation which required a lot of help. My abuser ended up finding my location and the situation became dangerous. The schools were closed by XXXX so I totally lost my income. On top of all this the apartment manager did not disclose that there was a bug infestation in my apartment before move in. I have severe XXXX. I ended up in the emergency room twice while living there do to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I did not know that maintenance men and bug spayers would be entering my apartment at their own leisure which they also did not disclose in my lease. I paid my lease up to XXXX and was fully moved out by XXXX. I explained to them that I clearly did not have an income through no fault of my own. A direct result of the pandemic as well as my health issues including XXXX XXXX XXXX  exacerbated by men coming in and out of my apartment when I have XXXX and just exited a domestic violence issue. I am not responsible for a global pandemic that ended my work and I am not responsible for them entering my apartment at their leisure. As long as I pay rent it is my personal space not to be infringe upon especially as a victim of violent crime and none the less. I do not owe Advanced Collection BU XXXX XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
I refinanced a mortgage on an investment property that I own in XX/XX/2021. XXXX lender originated the loan, then sold the loan to a mortgage servicer/lender by the name of Mr Cooper. 

My XXXX mortgage interest was built into the closing costs, the next month does not have a mortgage payment due, and so my first payment was due onXXXX the originating lender, unless the loan was transferred before then to Mr Cooper. The loan was in fact sold to Mr Cooper in XXXX with an effective transfer date oXXXX, so I would be making my first payment to them. 

XXXXwas a busy time for me. My family moved, our new home was being renovated, and I dealt with a family crisis during that time. I understood that there is a 60-day grace period starting from the loan transfer effective date, so I made myXXXXpayment as well as my XXXX payment to Mr Cooper on XX/XX/XXXX knowing that I needed to make the payments within that first 60 days. Assuming all was well, I made my XXXX payment and XXXX payments. 

A few days ago I learned that Mr Cooper forced the original lender to buy back the loan as a scratch and dent mortgage on XX/XX/XXXX because I did not make myXXXXpayment on time. I am not privy to all the discussion between the originating lender and Mr Cooper, but my originating lender is stating that the loan was being forced back to them because Mr Cooper stated the payment in XXXX was late. 

I reached out yesterday to the customer service side of Mr Cooper to ask them about the situation. Eventually I was escalated to an Executive Resolutions Specialist who claims that the loan can not have been forced back to the originating lender due to a late first month 's payment because the payment was made within the 60-day grace period window. However, internally, Mr Cooper is telling the originating lender that my XXXX payment was late, therefore the loan is now a scratch and dent loan ( and I am being forced to refinance as a result ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
At approximately XXXX on XX/XX/2022 i received an email from Citi Bank saying they have received my application for a credit card which I did not apply for. I have reported it to their fraud dept.

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 2022-03-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
n Accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX  account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2021 Credit Bureau : Equifax Address : Not Listed

Company response to consumer: Closed with explanation