vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX, a federally protected consumer exercised my rights per the Fair Credit Reporting Act and the Fair Debt Collection Act by submitting a dispute to Equifax on XX/XX/2022 and XX/XX/2022 via the Equifax consumer online dispute center. Equifax responded on XX/XX/2022 that the disputes were received and could take upto 30 days for completion. Equifax also ensured that all investigation results would be shared with me at the end of the investigation by Equifax as well as the creditors which are XXXX XXXX XXXX and XXXX XXXX XXXX On XX/XX/2022 and XX/XX/2022 Equifax contacted me via email and the online Equifax dispute center to inform me that my dispute investigations had been completed as of XX/XX/2022 and XX/XX/2022. Equifax failed to ensure a thorough investigation because XXXX, XXXX, and Equifax are all reporting incomplete, inconsistent, and inaccurate information in regard to both disputed accounts as of XX/XX/2022. Equifax claims to have conducted an investigation yet I have not received any debt validation results that would support permissible purpose for these accounts being furnished by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and also no permissible purpose for the reporting of incomplete, inconsistent, unauthorized, and inaccurate information to my Equifax consumer report. This is a clear example of equifaxs willful noncompliance and negligence with rectifying my affairs. This is a violation of 16 USC 1692 and 15 USC 1681b. If equifax is claiming to have investigated yet I can not determine between XXXX, XXXX, or equifax who is housing accurate consumer information then accounts must be deleted immediately. Also, the creditors of the above-mentioned accounts have failed to provide debt validation within 30 days of receiving the dispute request thus these accounts must be deleted/ permanently removed immediately upon receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OK

Complaint narrative:
I received a letter from Flagstar, dated XX/XX/XXXX, stating that I had a lapse in hazard insurance coverage from XX/XX/XXXX to XX/XX/XXXX. Flagstar charged me {$370.00} to cover the lapse. However, there was never a lapse in coverage. I have attached evidence of property insurance showing that I was covered from XX/XX/XXXX to XX/XX/XXXX, which includes the period from XX/XX/XXXX to XX/XX/XXXX. I have already submitted the evidence of insurance to Flagstar directly. I decided to also submit a CFPB complaint because I suspect that this is a malicious tactic on the part of Flagstar- i.e. arbitrarily declare that there was a past lapse in coverage, charge the borrower to correct the lapse, and put the onus on the borrower to prove that there was no past lapse before they can recover their funds. The key to this tactic is that Flagstar is saying the lapse occurred in the past, even while current coverage is in place.

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 2022-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I requested my refund on XX/XX/25, my piers have already received their refunds from Edfinancial and they requested their refund After I did. I explained to the customer service agent my family is extremely affected by the pandemic but I believe it fell on deaf ears. I was quoted XXXX business days and my friends received a student loan refund from the same company in no-time at all. Im completely unhappy with the inconsistency of info this company provides. They werent even my original loan company, for some reason my loan was transferred to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Good day, I XXXX XXXX, have come to the conclusion regarding my three consumer credit reports have been compromised in terms of my identity. Across XXXX, XXXX & Transunion there is fraudulent inquiries posted that I have attached in an attached documentation along with an auto loan that is tied to my name and an address that I have no association with. This has caused me great emotional, financial, and mental distress as this is inaccurate and in factual as I was XXXX XXXXXXXX so it is impossible for me to have taken out a loan for an auto loan. Upon my investigation and research it appears to be I was added to this account I am not the primary holder which explains that the thieves who compromised my identity used me in order to acquire this auto loan. To my understanding I did not offer consent to use my credit in the attached documentation for this auto loan or apply for any applications of credit for the attached inquiries. The Credit Bureaus have neglected to look into this matter so I am reaching out to the CFPB to get these fraudulent matters removed from my credit report as to not cause me any more harm and distress as I have already been through enough.

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 2022-09-11 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: IL

Complaint narrative:
Good day, I XXXX XXXX, have come to the conclusion regarding my three consumer credit reports have been compromised in terms of my identity. Across Equifax, XXXX XXXX XXXX there is fraudulent inquiries posted that I have attached in an attached documentation along with an auto loan that is tied to my name and an address that I have no association with. This has caused me great emotional, financial, and mental distress as this is inaccurate and in factual as I was XXXX XXXXXXXX so it is impossible for me to have taken out a loan for an auto loan. Upon my investigation and research it appears to be I was added to this account I am not the primary holder which explains that the thieves who compromised my identity used me in order to acquire this auto loan. To my understanding I did not offer consent to use my credit in the attached documentation for this auto loan or apply for any applications of credit for the attached inquiries. The Credit Bureaus have neglected to look into this matter so I am reaching out to the CFPB to get these fraudulent matters removed from my credit report as to not cause me any more harm and distress as I have already been through enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citibank will not remove this credit card from my credit report. Someone else to whom I have no knowledge of who has my name listed on their card as an authorized user. They reply with a statement saying that the account holder must remove me from the account. However I do not know who it is or even how to fund out that information I have called citibank to attempt to gain information about the account user and who this person is. I don't know who they are. What I do know is I have for years been trying to get this removed and myself removed from this account. My identity has been stolen essentially by this person. They are also slowly racking up the balance on this card which has a XXXX limit to which I have watched the balance go up up and well up. They also are gaining slow credit line increases. This is extremely concerning to me that citibank does not investigate this matter of who this is. The sad part is if I'm on this card why do I not have possession of one and if they took time to review any camera footage or addresses there Fraud department would realize I have not purchased anything because I can't I have no card and no information about this account. Do these people even reside in my state of Minnesota? They offer no help

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 2022-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I purchase new care from XXXX XXXX XXXX on XX/XX/XXXX. At the time of purchase XXXX owner sold my loan to Santander USA which is a subprime auto lender affiliated w/crysler which was on same lot as XXXX Dealership and owned by same man. Santander was sue by 34 states in XXXX for deceptive and unfair business practices. I've had my car 3 years on XX/XX/XXXX and I don't even own a tire on the car. Santander has taken all my pmts interest only and my APR is 26.32 %. I'm XXXX yrs old. Santander has submitted negative info to credit agencies and I've been forced into oppressive conditions unable to trade in or refinance car. I've been put in a position to default or continue to let them steal my money. I was sent email XX/XX/XXXX that {$4200.00} was paid in principal but now I'm told it was a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX, a federally protected consumer exercised my rights per the Fair Credit Reporting Act and the Fair Debt Collection Act by submitting a dispute to Transunion on XX/XX/2022 via the Transunion consumer online dispute center. Transunion responded on XX/XX/2022 that the dispute was received and could take upto 30 days for completion. Transunion also ensured that all investigation results would be shared with me at the end of the investigation by Transunion as well as the creditors which are XXXX XXXX XXXX and XXXX XXXX XXXX On XX/XX/2022 Transunion contacted me via email and the online Transunion dispute center to inform me that my dispute investigations had been completed as of XX/XX/2022. Transunion failed to ensure a thorough investigation because XXXX, Transunion, and XXXX are all reporting incomplete, inconsistent, and inaccurate information in regard to both disputed accounts as of XX/XX/2022. Transunion claims to have conducted an investigation yet I have not received any debt validation results that would support permissible purpose for these accounts being furnished by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and also no permissible purpose for the reporting of incomplete, inconsistent, unauthorized, and inaccurate information to my Transunion consumer report. This is a clear example of Transunions willful noncompliance and negligence with rectifying my affairs. This is a violation of 16 USC 1692 and 15 USC 1681b. If Transunion is claiming to have investigated yet I can not determine between XXXX, transunion, or XXXX who is housing accurate consumer information then accounts must be deleted immediately. Also, the creditors of the above-mentioned accounts have failed to provide debt validation within 30 days of receiving the dispute request thus these accounts must be deleted/ permanetly removed immediately upon receipt of this complaint.

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 2022-09-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax and XXXX are reporting the collection account XXXX on my consumer report. I have disputed this account directly with the collection action. I do not owe any such debt and I am refusing to pay this alleged debt and wish to have the CRA 's cease and desist any further reporting of this account. I am disputing this account based on accuracy and request XXXX and Equifax to investigate this account for maximum accuracy and completeness. Please see the attached documentation directly from the collection agency and delete this account immediately from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Loan was transferred from XXXX XXXX XXXX to RightPath as of XX/XX/XXXX. A delinquency in the amount of {$40000.00} per the XX/XX/XXXX statement from XXXX XXXX XXXX. On XXXX, while still under the servicing of XXXX XXXX XXXX, a series of transactions label " Irregular Payment '' was applied to the loan history. The sum of these " Irregular Payments '' is {$38000.00}. This brought the account current through XX/XX/XXXX, leaving XX/XX/XXXX due and payable to RightPath Servicing. 

In addition, beginning XX/XX/XXXX, I applied for assistance with California Mortgage Relief to receive a grant to bring the account current. On XX/XX/XXXX I was approved to bring the account current - ALL delinquent amounts would be paid for by California Mortgage Relief. However, due the transfer the and transactions applied by XXXX XXXXXXXX XXXX the account then reflected no delinquency. I immediately contacted RightPath advising them of the situation. After numerous calls and emails, no one was able to correct the error. I was told by XXXX representative that the payment applied by XXXX XXXX XXXX in the amount of {$38000.00} was payment from a " hardest hit fund '' and there was no error. On XX/XX/XXXX, RightPath collected payment from me for the amount due on the account- XXXX and XXXX payment- in the amount of {$2900.00}. 

On or around XX/XX/XXXX, a wire payment was sent from California Mortgage Relief to bring the account current. However, since no deliquency was reflected on the account the funds were first applied to the principal and then reversed and applied to the unapplied funds account. Later, funds were returned to California Mortgage Relief and was indicated that no delinquency existed. Later, the loan history has been completed changed to show that funds in the amount of {$39.00}, XXXX was removed from the account. In addition, the loan became delinquent in the amount of {$26000.00}. Again I asked RightPath to explain the difference in the amount due to XXXX XXXX XXXX before transfer and the amount now reflecting delinquent by RightPath. 

Furthermore, due to that account errors on this account, my approval from California Mortgage Relief has been cancelled. The mishandling of my account by RightPath has caused me to forfeit funds to bring the account current. Ever attempt was made by me to have this issue resolved before the grant funds were sent. RightPath took to action and when action was taken it was done incorrect - stating no delinquency existed - and the amount due on the account has still not been verified and validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: CT

Complaint narrative:
TRANSUNION has failed their GRAVE DUTIES under Tittle 15 USC 1681. XXXX is in federal violation under 15 USC 1681b they DO NOT have my written consent to furnish a report on behalf of the original creditor. Under the Gram Leach Bliley Act TRANSUNION IS A FINANCIAL INSTITUION and under 15 USC 6802 and 6821 I have the right to privacy and having my nonpublic information not reported and opted out. TRANSUNION has not been respectful to my right of opting out and privacy and have not exercised their GRAVE DUTIES under congressional findings and removed the demanded information from my report. TRANSUNION is in FEDERAL VIOLATION and is liable for damages under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent unauthorized use of my credit report and credit card.

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
My personal information is incorrect on free credit report

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 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been dealing with Bank of America on a daily basis regarding charges to my account that were not made by us. This started in XXXX that I noticed things were getting tight and my mortgage amount of {$1100.00} kicked out as insufficient funds which didnt make sense to me but ok something cleared that I wasnt aware of so I had my sister send me via XXXX XXXX amount {$110000.00} and I had XXXX XXXX try again a I had spoken to the company directly and they said it took and gave me a confirmation number and I thought we were ok but till now I still see them sending it back. Through numerous emails and calls I was really upset.I touch base with Bank of America again in writing now XXXX was approaching. And I was panicking as some of my written payments to other companies were kicking out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment on my XXXX XXXX  for credit cards for XXXX  and I could not pay my car payment or my car insurance which has now closed me out and cancelled my policy. So I get paid by Social security on the XXXX Wednesday gon na get my self redo. I went to the bank on the morning of XX/XX/XXXX and withdrew {$1100.00} and carried the cash over to XXXX XXXX  and they excepted it for XXXX and I can seem to get any help. 
I contacted the bank again and discussed what could the problem be.?? 
I got no results I have been sick over this. In XX/XX/XXXX my husbands check hit our account for XXXX as a positive number. I took a nap and when I check my account it was now negative - {$1800.00}?? I have been asking how can they do this use the XXXX XXXX check and allow that many charges in one day?? '

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 2022-09-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To date, Equifax is still furnishing unauthorized inquires on my credit report. I verified in writing and contacted alleged creditors about the unauthorized inquires on my profile. By law Equifax is to furnish 100 % accurate information and have my consent to furnish. I affirm Equifax does not have my consent to furnish any inquiries on my consumer credit report ; moreover I do not consent to my right to privacy and rights under the state and federal law being violated by Equifax. In closing Equifax recent investigation was not conducted properly, Equifax pursuit to the FDCRA and state laws are required to disclose to me the consumer who they investigated ( family and friends ) and the names of all individuals and persons that allegedly claim said inquires are factual. Without proper investigation Equifax is REQUIRED to remove all said inquires.

Company response to consumer: Closed with explanation