vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 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: FL

Complaint narrative:
The company refused to remove items unless I sent in proof of my identity, I submitted proof and they still refused to investigate. I requested the following accounts be removed from my credit report due to fraud and this them continuing to report is a direct violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX BANKRUPTCY XXXX XX/XX/2019 I also requested they remove the following incorrect addresses from my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company refused to remove items unless I sent in proof of my identity, I submitted proof and they still refused to investigate. I requested the following accounts be removed from my credit report due to fraud and this them continuing to report is a direct violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX BANKRUPTCY XXXX XX/XX/2019 I also requested they remove the following incorrect addresses from my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-09-09 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: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-09-09 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: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I attempted to use Annual XXXX Credit Report.com to obtained my credit file, TransUnion block my online attempts said I had to use regular mail to request said report and made the consumer wait and additional 14 days to get a copy of their report in direct violation of the FCRA. 

I received report # XXXX for XX/XX/2022, and noticed XXXX had deleted the following ( XXXX ) Loan accounts from said report : XXXX XXXX XXXX XXXX XXXX {$17000.00}, and Personal Loan account {$13000.00}, both accounts are currently open in good standing without any late payments. 

TransUnion removal of both loans accounts intentionally lowered the consumers credit scores and ability to obtain additional loans. This act of removing open lines of credit was based on race and designed to lower the credit scores of Americans of XXXX decent and blocking the consumer ability to obtain said credit reports online and delaying the consumers ability to correct any information blocked said consumer from obtaining timely financing. 

I am therefore requesting a investigation into this practice asking the CFPB to enact and enforce laws and provide consumers with protection from this abusive practice and fine TransUnion for this deceptive business practice that may affect millions of American of XXXX descent.

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 2022-09-09 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: Convergent Resources, Inc.
State: IN

Complaint narrative:
I have previously reached out to the collection agency to get verification of a debt they have been reporting. After numerous attempts I have received no notice of investigation or updates for the account. The original creditor doesnt have any knowledge of said account so Ive been stuck with dealing strictly with the collection agency with no luck. I have attached the email stating that they have indeed received communication from me but have just failed to respond for months. This account falsely reporting is hindering me from major life advances and I would like this matter to be handled as soon as possible!

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 2022-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There is a XXXX XXXX account number XXXX my credit report that is still showing on my report that should not be there. It has been over 7 years and they should be dropped off my 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 2022-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
affirm says i must pay this loan even if i did not receive the merchandise or even while it ; s in dispute ( id XXXX ) DISPUTE CASE ID XXXX. THIS IS NOT RIGHT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Hello, I am emailing about the Sallie Mae settlement. I attended XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX, I took out private loans from sallie mae that were a little over {$22000.00}. I have never been in a position to pay the loans so they kept talking me into deferments. One time the loans went into default and were sent to a collection agency but I was able to get them to pull the loans back for another deferment. as of today the loans are now over {$90000.00} with all the interest. The payments are almost {$1000.00} a month. My situation met the criteria for a loan forgiveness settlement but it was not forgiven. How can I get my account looked into for the settlement? Thank you and I look forward to hearing from you. Email is the best way to contact me. 

One other thing. When I took out these loans my last name was XXXX, I change my last name to XXXX 8 years ago.

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

Complaint narrative:
I am responding to the credit reporting agencies claimed that my factual disputes was investigated and validated as accurate. I am doubtful that this is the case since there are several inaccuracies still being reported. In order of full transparency I have included a screenshot of the credit report and highlighted the inaccuracies or discrepancies in yellow.

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 2022-09-09 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have been paying every month since 2011. It was supposed to be 120 payments. My interest rate is variable and right now 9.25 %. For years I have been paying {$15.00} more than the minimum due, and have instructed that amount go to principal. It often changes and goes towards the next bill due. I have alos made several large payments of thousands of dollars. It started at {$13000.00} and I somehow STILL owe over {$4000.00}. It just doesnt move. I understand how loans accrue interest. I don't understand how I have not paid this off in 11 years though.

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

Complaint narrative:
Previously I sent EQUIFAX an identity theft packet containing my Identification documents, an official FTC identity theft report and a letter identifying the information resulting from identity theft. At this current time EQUIFAX is still reporting accounts resulting from identity theft onto my consumer credit file even after receiving all documentation necessary in order to block the reporting of these accounts. After speaking with an supervisor at EQUIFAX the supervisor claimed that the reason that the block was not submitted was due to the packet being incomplete for not having my identification in the packet. I am 100 % sure that my identification documents were attached in the overnight express envelope I sent them and that someone must have removed them upon receipt. In order to avoid any further confusion or excuses by EQUIFAX employees as to why they can not comply with the Fair Credit Reporting Act 15 USC 1681c-2 ( a ) I am submitting this CFPB complaint along with all of the previous information sent and an identity theft affidavit so that EQUIFAX does not give any more excuses as to why they can not comply with the Fair Credit Reporting Act and block the reporting of these accounts reporting as a result of identity theft. For the record, I have attached a NOTARIZED Identity theft Affidavit with the complaint and I have clearly communicated that this information is not resulting from any transaction by myself as the consumer involved. It is crucial that EQUIFAX give the proper attention to this matter and file this identity theft dispute accordingly to prevent these data furnishers from simply " auto-verifying '' and re-reporting this information reporting as a result of identity theft. This information must be properly blocked from reporting in accordance with 15 U.S.C. 1681c-2 ( a ), all required information has been provided pursuant to the subsection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
On XXXX, I transferred {$2000.00} from my peoples United bank checking account to my XXXX XXXX bank checking account and {$500.00} from my peoples United bank checking account to my XXXX XXXX checking account. The money was withdrawn from my peoples ( now m & t ) account but never arrived at the other banks. Ive sent messages on the portal, went into the XXXX XXXX location and refuted the fund transfer, wrote an email to the office of the president. I was told it would have a resolution today and someone would call me. I received no phone call and the $ $ still has not been put back into my account

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 2022-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
Hello, In XXXX, I had my home raised above the FEMA guidelines in order to lower my XXXX Insurance costs ..., During this period in time, my house note was increased because of the insurance company increasing my coverage in the following : In XXXX, my insurance went from {$530.00} yr. to {$2000.00} yr. 
In XXXX, my insurance went from {$2000.00} yr, to XXXX yr. 
In XXXX, my insurance went from {$4000.00} yr. to {$6000.00} yr. 
And in XXXX, it went from {$6000.00} to {$8000.00} yr... 

The insurance company 's name now is called XXXX ..., It went through several names before it came to this name... 

In the process of raising my home, I had to get a survey, and a elevation certificate which I presented ..., They proclaimed that I should take it up with the insurance co. meanwhile, my insurance was being escrowed, which reflected the increase in my monthly mortgage...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I went into XXXX to to open a family plan with three new phones on XX/XX/22. The process took longer than we thought so I stayed at the store while my Mom ( XXXX XXXX XXXX took my sister to her lesson. 

The billing was to be put under my Mom 's account which I provided her credit card and billing was immediately confirmed under her account. However we started receiving billing under my name. My Mom confirmed with XXXX that it was processed incorrectly and that all billing should go to her and it was confirmed to be fixed. 

I received a letter from " XXXX '' on XX/XX/XXXX that there was a balance of {$180.00} on my name. My Mom called XXXX and they confirmed that it had been rectified. Another letter came on XX/XX/22 stating that I now owed {$99.00}. My Mom called again and they said they didn't know why that one was sent at all but it was all fine. 

I received a call from XXXX  on XX/XX/22 saying they were the debt collection and confirmed my name and the last four digits of my social security number. My Mom called XXXX and talked to XXXX in Customer Service who said that the account listed was closed and there's nothing showing on the account and to go into a store and close the account with photo ID. I went into the store today and they said there was nothing to close as they didn't have that account number. 

I called into the customer service number they provided and talked with XXXX. I conferenced in my XXXX and XXXX confirmed that the account # XXXX did not exist under my name nor was there any outstanding bills for me. 

We then called XXXX and spoke to XXXX who would not verify who she was calling on behalf ( XXXX ) and hung up the phone on us when we tried to get more information as she insisted she needed to verify name and social security number before moving on. In fear, we decided NOT to provide that information and instead, file a complaint with your organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX 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 explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Wish to report a Reg X violation on Fifth Third Bank. 
We closed on a home mortgage for our property. The estimated Escrow was $ XXXXmonth. 

Our estimated taxes and insurance for the year are projected by Fifth Third Bank to be $ XXXXyear. Our receipt of the Proposed XXXX Tax Assessment is between $ XXXX {$4500.00} with a current insurance premium of {$1400.00}, which would put our XXXX & I range between {$5700.00} and {$6000.00} which is considerably less than Fifth Third 's estimates. 

We had put down {$4700.00} to escrow on closing. Fifth Third Bank is charging us $ XXXXmonth in escrow. With this value, we will pay approximately {$22000.00} over 12 months for escrow to cover an ~ {$8400.00} Tax and Insurance bill ( using Fifth Third 's higher estimate ). This value is well in excess as allowed by Regulation X 's 12 CFR 1024.17 ( c ) ( 1 ) ( ii ) regarding the amount per month they are charging that is well in excess of the XX/XX/XXXX of the annual amount plus 2 months of buffer. This is even well of excess of the XXXX max limit allowed by regulation. 

I had contacted them on XX/XX/XXXX and requested an escrow analysis. It was declined since they would only perform a new one if the tax projections changed. I called again on XX/XX/XXXX and spoke with an escrow agent and their manager. They both walked through the numbers and said it was high, but the values " were accurate '' even though the manager could not make the numbers work. I asked again to do an escrow analysis, but she said it would most likely be denied again unless the tax projections changed, and I would have to wait until XXXX of next year. 

Their initial books said that when they acquired our mortgage from another company that they would perform a new escrow analysis within 90 days of Fifth Third Bank taking on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service Company, INC
State: CA

Complaint narrative:
I checked my credit report on XXXX XXXX XXXX and it showed I had a new collection on there from credit services in XXXX XXXX. 

I contacted credit services in stated to them that I have never received any communication regarding the Debt. They said that because they are not able to legally collect in XXXX  that they sent the information to my old address in XXXX  and it was returned. I had just paid off 5 other accounts with them and they had my updated address on file and new that I did not live at the address they sent the letter to. 


They are using a loophole to try to collect a debt in a state that they are not authorized to do so. 

This company needs to be looked into for several other violations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Transform Credit Inc.
State: CA

Complaint narrative:
I reviewed my credit reports and saw this account showing i owed them {$200.00} for a loan I didn't take out in XX/XX/2021. It showed payments of {$5.00} was made in store in Michigan, I live in California and I never opened an account with them. I disputed the information with all three credit agencie, XXXX and XXXX took them off my report, XXXX did not. I need for the company to be taken off my report. This is not my account, someone used my information to take out a loan in Michigan, please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation