vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
I have been trying to work with Flagstar bank for a loan modification on my home loan since XXXX XXXX XXXX. While I am behind on my payments for 2 months, I have resumed making the regular monthly payments. I have called numerous times and Flagstar bank are not assisting me in any way, outside of the forbearance option. They are not helping me to obtain a loan modification at all. It seems that they have waited until the end of the forbearance, to process and review my loss mitigation request to have my loan modified, leaving me no time to make an informed decision on how I will be able to pay back the 2 months mortgage that I am behind on. The hardship happened due to a job loss XX/XX/XXXX, I then needed to assist with my elderly mother who had a serious issue with XXXX/ XXXX, XXXX, had to move her from the XXXX XXXX in XXXX XXXX XXXX to be closer to my sister in XXXX XXXX It has been really difficult couple of years. Please assist me in getting Flagstar Bank to give me fair options for my loan modification. I have excellent credit scores -ranging above XXXX. And I do not want my credit to be affected by unfair practices made by Flagstar Bank

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 2022-02-16 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: OH

Complaint narrative:
ATTN : XXXX XXXX  XXXX RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX ( TWICE ON DATE ) XXXX XXXX XXXX XXXX ( TWICE ON DATE ) XXXX  XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to TRANSUNION resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.

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 2022-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was approached by Human Resources Specialist, XXXX XXXX XXXX via XXXX on XX/XX/2021 in reference to a graphic designer opening for the company XXXX. I was instructed to communicate with Senior Recruiter, XXXX XXXX. I filled out a virtual screening questionnaire and returned it via email. On the XXXX, I was given the job opportunity for a remote graphic designer. I received an employment offer letter and duties of the position. XXXX XXXX XXXX Manager, XXXX XXXX, sent the letter and addressed on how to continue on : pertaining to procurement of office supplies and how to begin working. The employee letter was signed and returned. Stack stated that as soon as the office supplies are under my possession, training will begin. She instructed me that a certified mobile check will be sent to me to acquire the office supplies. " The Finance Department will contact you via text message to walk you through the next steps in the check payment process '', XXXX emailed. I let her know that I was contacted via text and sent the mobile check and instructed on how to move forward. I was sent the account number and name of the vendor. XXXX  emailed me that the supplies will be delivered XX/XX/2021 to my address. I was in text communication with XXXX XXXX from XXXX XXXX. He asked me to confirm who I was and my address. I was instructed to get a cashier 's check for their account. I was also contacted by XXXX XXXX, account department for XXXX. He communicated with me through the vendors interaction. I deposited the mobile check into my account, waited a few days to ensure the check cleared into my bank... which it did. I moved forward and made the cashier 's check to the vendor, XXXX XXXX at XXXX Bank. On XX/XX/2021, XXXX, I received a notification from my bank, Suntrust now Truist, that it bounced and I was negative {$4900.00} plus return fees. I immediately spoke to my bank and they told me that there is nothing they can do and that it is my responsibility. I had no idea about these types of scams or that people could do this. They said they are not liable even though they let the check clear and didn't send me notification until weeks later after the damage had been done. I filed a police report and attempted to contact XXXX but of course no answer. The people I spoke with have refused to rectify the situation.

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 2022-02-16 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: LA

Complaint narrative:
My name is XXXX XXXX, I have been on the dispute of the negative accounts and unauthorized inquiries on my credit report. I have sent countless and the inaccuracies have not been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: PA

Complaint narrative:
I am a victim of identity theft and did not make these fraudulent charges. Please review these charges an remove them from 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 2022-02-16 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: PA

Complaint narrative:
I am a victim of identity theft and did not make these fraudulent charges. Please review these charges an remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be updated from my credit reports. They neither saw nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me correct the concerned items for they were found erroneous and inaccurate. 

XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXX Balance {$9600.00}

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 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My updated credit report from TransUnion was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If TransUnion has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX BANK Inquired on XX/XX/2020 2020

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 2022-02-16 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: MI

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX Balance {$0.00} XXXX FIN LXXXX Balance {$0.00}

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 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I have returned their calls several times and asked them not to call me, It is not my debt, They would not give me an answer of who they are looking for..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 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: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
amerisave mortgage company checked my credit without my consent or permission I was told it was a soft pull but it shows 4 times as a hard inquiry No one will help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: MECHANICS BANK
State: TX

Complaint narrative:
I had an auto loan with Mechanics Bank. I refinanced with XXXX XXXX. The day after XXXX  XXXX paid the loan off with Mechanic Bank, on XX/XX/XXXX, Mechanic bank drafted my regular payment on XX/XX/XXXX. I was told this would be returned within 30 days, no sooner. It has not been returned. I have sent several emails. I have made several phone calls. Customer service is vague and unhelpful. They don't know anything and apparently lack the ability to find out. It is now XX/XX/XXXX and I demand my money be returned. This has drug on and on for over a month now. They drafted my regular payment on XX/XX/XXXX for an account that was paid in full on XX/XX/XXXX. It is not that difficult to refund an overpayment. Perhaps they could be guided on how to write a return check or at this point, return it by wire? This would be a much simpler solution than having to file complaints against the bank and sending out several certified letters and or having to hire an attorney. 

Thank you and best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have a XXXX loan, originated in XXXX in the states of California and New York, that Navient apparently took possession of at some point. Navient says it's a private loan that they own. I have called numerous time ( XX/XX/XXXX, XX/XX/XXXX ) and emailed ( XX/XX/XXXX ) requesting a chain of title and/or a promissory note proving that Navient does in fact own my loan. They have been unable to produce such legal documents. I have reason to believe that my loan should be fully discharged on the grounds that Navient does not own my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
XXXX Systems XXXX XXXX 

This collection agency took the debt over of my military start card. On XX/XX/XXXX, XXXX rec 'd a letter informing me the debt was {$13000.00} and a monthly payment of {$570.00} as agreed on would come out of my bank for XXXX XXXX which would equal {$13000.00}. This is more than the debt on the payment notice. On the account summary from Military star card, on XX/XX/XXXX the debt was listed as {$10000.00}. I rec 'd a copy of account summary on XX/XX/XXXX as i had been locked out of the military star account and started noticing discrepancies b/w the military star monthly statement and the XXXX monthly account statement. When I called in XX/XX/XXXX to verify the payment plan had stopped, I was informed I still owed {$8400.00}, and the XXXX payment plan was just the length they can set payments up and the amount is more because they charge fees and there is interest added. I agreed to start paying {$1200.00} to get this paid in full. However, I started noticing each statement from the military star card had different amount owned than the statement from XXXX. Again, I called and was told this is due to interest and their fees and the debt can change at any time. I did request during that call an account summary. As of XX/XX/XXXX military star card statement reports the debt as {$3400.00} and XXXX statement reports the debt as {$4000.00} which went up from the amount, they reported in the phone call which was $ {$4000.00} still owed per XXXX. As of date, I have paid this company {$15000.00} well over the original debt told to me and they have me still owing {$4000.00}. I have all of the documentation and bank statements. Additional files upon request.

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 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I recently received a forwarded statement for my XXXX ( now PNC Bank ) credit card. The notice basically said it was going to collections and to call them. I called them on XX/XX/XXXX and discovered that I did, in fact, owe them for some charges earlier in XXXX which I was happy to pay. However, they also charged me for interest and two ~ {$50.00} late charges. My issue with the interest and late charges is that I never received notice to pay or I would have. Of course, if PNC had tried to reach me, I would have paid and not incurred one or both of the late fees and interest! When I questioned why they didn't contact me to collect prior to incurring late fees, they said that they called but I hung up and they called a second time but they didn't leave a message. It sure seems like they wanted to incur the late fees rather than let me know about it. Never once did they try to email me or try to reach me in earnest. The total bill was less than {$250.00} and I have no other debt. Anyway, on XX/XX/XXXX I spoke with someone from PNC to " settle up '' and the gentlemen agreed to waive one of the late fees so, in order to put this past both parties, I agreed to pay ~ {$170.00}. 

Fast forward to today : XX/XX/XXXX. I called PNC to get past statements for the account mailed to me for tax purposes and, to my surprise, I find out that the late fee the gentlemen agreed to waive was denied and still remains on my account. This is after him telling me I had a {$0.00} balance on XX/XX/XXXX. I asked again if they tried to call or reach me in order to collect the fee and was told, " no, we didn't '' and " you live in a state in which we can not leave a voicemail ''. The behavior is what I would expect from a XXXX XXXX  not a super regional bank. 

I appreciate the help and 'm happy to discuss more at your convenience. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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