vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi everyone, tried with XXXX XXXXXXXX XXXX and thy keep pushing back on me. Transunion Rep gave me this info below : Hi everyone, this was a recent conversation with a XXXX XXXX Rep : XXXX TransUnion TransUnion Thank you for your patience. I have located the results to your dispute and see that the lender has verified the information as accurate. 
XXXX You sent ok thanks-so I'm saying that I'm not responsible for either the credit card request that I did not ask for or receive, nor the balance transfer. So what happens if I keep pushing back since this was not me who did any of this activity? 
TransUnion TransUnion You can speak with XXXX XXXX XXXXXXXX in regards to this matter ( XXXX ) XXXX XXXX. You can also file a complaint with the CFPB.Phone : XXXX XXXX : www.consumerfinance.gov/learnmore XXXX You sent Thanks I have spoken to XXXX XXXX XXXX  reps more times than I can count now and they aren't helpful any more with me on this. I may try the complaint option. 
TransUnion TransUnion You can also contact the Federal Trade Commission at XXXX. Is there anything else I can assist with today? 
You sent You have been great and way better than XXXX XXXX XXXX  lol. Thanks much! 
XXXX TransUnion TransUnion Thank you. It was a pleasure assisting you today. Thank you for reaching out to the TransUnion Social Care team. Have a great 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 non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My accounts were always on time! With XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse hem of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16816-2 ( A ) ( a ) A person shail not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to information is inaccurate. 

Delete these hard inquiries accounts below 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

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 2024-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Collections, LLC
State: WA

Complaint narrative:
I set up a payment arrangement they called me after saying they deleted it and forced me to pay the full amount due. Because they said they sued me after they agreed to the payment plan they said the deleted my payment plan after they agreed and set it up with my card info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I have sent the companies a letter requesting to opt out. Per 15 USC 6802 of all an any authorizations i the consumer may have given written nonwritten verbal or non verbal consent which i have not.

Experian is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Privacy act 1974 states The Privacy Act of 1974 is a federal law that protects individuals ' privacy by establishing a code of " fair information practices '' : Protects individuals The Privacy Act gives individuals the right to : Request their records Request changes to inaccurate, irrelevant, untimely, or incomplete records Be protected from unwarranted invasions of privacy Governs federal agencies The Privacy Act requires federal agencies to : Comply with statutory norms for collecting, maintaining, accessing, using, and disseminating records Publish notice of modifications to or the creation of systems of records in the Federal Register Maintain accurate, current records Notify the public of all systems of records it creates by publishing System of Records Notices ( SORNs ) in the Federal Register The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Experian is not being fair and reporting inaccurate information on my consumer report. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.

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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
Company closed my acct with XXXX in it and refuses to release my funds. I have spoken to them several times they keep saying it's in review it been months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I applied for a loan modification with Shellpoint Mortgage to resolve arrears on my account. On [ specific date ], I provided updated income documentation showing {$8200.00} in monthly income, which I believed would qualify me for a modification. However, Shellpoint denied my application without explaining why my income was deemed insufficient. 

While my application was still under review, Shellpoint initiated foreclosure proceedings, setting a sale date for my property on XX/XX/year>. This action appears to violate CFPBs mortgage servicing rules prohibiting dual-tracking, where foreclosure is pursued while a loss mitigation application is pending. 

After filing a complaint with the CFPB, Shellpoints compliance department responded with a letter stating they were unable to determine that a servicing error occurred. Their response failed to adequately address my concerns, specifically : XXXX. Why foreclosure was initiated during the active review of my loan modification application. 
XXXX. Why my income of {$8200.00} was deemed insufficient, without any breakdown or transparency regarding the decision-making criteria. 
XXXX. Why no alternative solutions, such as a repayment plan for arrears or other options, were offered to help avoid foreclosure. 

Despite my repeated efforts to engage Shellpoint in finding a resolution, their compliance response appears dismissive and incomplete. This has left me without viable options to save my home, despite my willingness to cooperate and resolve the arrears. 

I am requesting the CFPBs intervention to ensure Shellpoint complies with mortgage servicing guidelines and provides a fair resolution.

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 2024-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: UT

Complaint narrative:
I had co signed a loan for a girl XXXX XXXX, she stopped paying her car and her and the car got repossessed, her grandmother helped her pay all the fee and amount she needed to retrieve the car, she paid the amount owed and got the car out of repo, and I received the title in the mail and gave it to harmony 's grandmother, I get a call from Santander today saying I am 57 days past due and in and owe {$530.00} and change and thretin me with repossession again, and now there ruining my credit. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, I was reported 90 days late on several student loans, despite being under the impression that I was covered by an in-school deferment for my daughters and possibly a forbearance. Over the years, I have received conflicting information from my loan servicer, with promises and expectations repeatedly unmet. On XX/XX/XXXX, I was assured by a customer care representative that these late payments would be removed from my credit report. However, the servicer has since refused to correct the inaccuracies. This reporting is unfair and in violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair representation of consumer information. I request immediate correction of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I financed a loan with American Credit Acceptance, only to discover that ACA is suspended from conducting any loans or brokerage transactions in California in 2014. Despite signing my contract in XXXX of last year, I recently learned about this suspension. I filed a complaint with XXXXXX/XX/XXXXfive months ago, but I have yet to receive any response regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Thursday, XX/XX/year>, I applied for a loan online via XXXX, which is a broker that connects borrowers to lenders. Immediately, i received both a text and a call from XXXX XXXXXXXX XXXX XXXX XXXX 

A representative by the name of XXXX XXXX, a loan officer at XXXX XXXX, called me and said I may be qualified for a XXXX, XXXX loan. He proceeded to ask me for my bank account information, routing number, account number, so that he could connect XXXX XXXX XXXX to mine in order to do a transfer. He proceeded to deposit {$500.00} into my account, and said I need to withdraw the money and repay him as that's for insurance. I did that. Then, he said because my credit score of XXXX did not meet the criteria of XXXX to get the loan, he's going to deposit more funds into my account to boost the XXXX XXXX. XXXX made numerous deposits from {$99.00} to {$500.00}. He also proceeded to file claims on charges with the Chase bank, who then reverse the charges and provided temporary credits. XXXX stated that the increase in my account of {$1000.00} was his money, which I needed to return to him, which I withdrew {$1000.00} to return it via a XXXX ATM. Once that's complete, his firm would transfer the {$9000.00} loan. This never happened. 

As it turned out, XXXX XXXX scammed me of not just the {$1500.00}, but as XXXX looked into the numerous deposits they made into my account, they turned out to be fake deposits. 

I need help recovering the {$1500.00}, plus the fake deposits of {$1600.00}, which XXXX said I'm responsible for even though they confirmed these were fake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: KS

Complaint narrative:
I received a lien release after paying off the vehicle, but it was not notarized. The State of Kansas holds the title electronically and rejected my lien release because it is not notarized. I contacted CarMax Financial and requested a notarized lien release and after 60 days I have not received it. It is frustrating that the CarMax lot can not help and the phone number ( s ) for CarMax all seem to go to the same call center they also can't help except to put in a new request. 
Also, it would be nice if there was a way to contact the financial institution directly when errors like this are made. The CarMax lot as well as the call center are not able to contact the bank either ; they just simply say it's a sister company and it is up to the consumer to contact them. But, you only get the same call center no matter which number you call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy Federal Credit Union took money from my account on several occasions most recently XX/XX/year> in the amount of {$130.00}. I called into Navy Federal Credit Union customer service and I was told that the credit union does what they described as batch funding when they believe that transactions will not be covered so the credit union takes the money from the savings account and moves in to the checking in which she called batch funding. When I explained that I myself transferred money into the account for each transaction she stated that system did not recognize these transactions so the credit union moved the money anyway when I asked why did Navy Federal Credit Union did not put the money back when they realized the account would not overdraft she stated they can not redeposit the money. This is fraud and more than likely have went unnoticed. I would like the Consumer Financial Protection Bureau to investigate this bank and their banking policies as I do believe they are violating numerous banking laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fig Tech Inc.
State: MO

Complaint narrative:
I have attempted to contact fig loans multiple times about an account on my credit report that does not belong to me On the following dates I attempted to call them XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. All phone calls receive an automated response that they are assisting other customers and unable to take the call and request that you email them. 

On the following dates Ihave attempted to email them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All emails are met with an automated responses and ask for an account number to proceed which I do not have as I did not open this account. I have been unsuccessful trying to even speak to this company to even address the problem with them and the derogatory remark is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft as a result of a data breach, and the following items on my credit report are fraudulent and unauthorized by me. 
Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7200.00} 3. Creditor Name : XXXX  XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3900.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$00.00} XXXX. Creditor Name : XXXX  XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$510.00} Unauthorized Inquiries : 1. Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : 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 2024-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Midwest Loan Services, Inc.
State: CA

Complaint narrative:
I was wrongly charged for flood insurance after already securing qualifying flood insurance. When I presented this to the mortgage servicer, they said it would be removed from my account. I see that the flood insurance policy was canceled yet I am still be forced to pay escrow payments for the nonexistent policy.

Company response to consumer: Closed with explanation