vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
An oversite occurred on XX/XX/XXXX, when I logged into my Ford Motor Credit account to make a payment of {$680.00} on account # XXXX. The wrong payment amount filled in was incorrect, the amount auto-filled in was {$630.00}, which was an accidental error that I did not realize at the time. This error resulted in Ford hitting my account as a XXXX late payment. When I discovered the error I made the correct, however, I still received a late payment on my consumer report. 

This was an oversight and error, not intentional. I have had multiple leased vehicles through Ford Motor Credit and I have never been late with my payment history with my ten-plus year relationship with Ford credit XXXX The error back in XX/XX/XXXX, was a {$50.00} dollar difference/oversight. 

I received a letter from Ford Credit 's credit dispute analyst named XXXX, dated XX/XX/XXXX, in his response he claims " the full payment must be received, or an extension requested and processed before the payment is XXXX days past due. '' I didn't discover the error had occurred in time to meet the timeframe described in his letter. 

As a consumer, that has always had a good standing payment record with Ford Credit, it's very surprising that they seem to be unwilling to look at my good standing payment history, and realize this was a simple error that wasn't discovered in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX 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. 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. 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2022, I made a wire transfer From 5/3 Bank located at XXXX XXXX XXXX, XXXX, TN XXXX to XXXX with an amount of {$4700.00} to another bank in XXXX. For some reason the wire went and they didn't recognize the receiver, I requested my wire amount to be returned from my Bank 5/3 bank. They approved the return request beginning of XX/XX/2022. Right now, they can't get me the fund back, they keep saying they lost the money and kept saying they are communicating with the other bank in XXXX and can't find the money, they can't do their due diligence and they are intentionally don't request the money from the other bank, 5/3 bank also refused to give me their internal communication messages to prove if they already asked the bank in XXXX for my Money, I called the other bank in XXXX and they have no idea about the money and have no request from 5/3 bank. the amount has been as negative in my saving account for 2 month, it affects my budget and my family expenses, simply I need the money that my bank approved to return it two month ago, the bank manager is XXXX XXXX XXXX and her email XXXX. the teller who made the transaction is XXXX XXXX. 
my account is Saving account and my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have been on a mortgage forbearance program with Santander Bank during covid. In XX/XX/2022 I submitted all my paper work for a mortgage modification. I received a letter in the mail acknowledging my modification submission from Santander Bank. Now I've been waiting for my modification package in the mail so I could sign, submit and resume my mortgage payments, but they've yet to send me my modification package. I've called them several times and all I get is, their working on it. No one seems to know what's going on and I'm very worried.

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 2022-12-05 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: MS

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-05 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: MO

Complaint narrative:
I applied for a credit card offer that was sent to my email address and my name. i filled it out and then received a notice from that company denying me a credit card. Here is the issue..it was sent to my address with someone elses name on it ( my hisbands/my name combined ) it stated that my score was too low and that is the result.i have checked my credit score and my score is XXXX, not XXXX which is what XXXX XXXX stated. i contacted XXXX bank by phone and after 2 hours and 7 people they stated my ss # is under my husbands name and that they can not do anything about it and said to contact transunion llc. They have since ran an application again and i was denied again after i told them not to run it becuase it was false information. I have also went to the bank and explained the issue with my ss # card for proof that it is my number and they said to contact transunion llc.I have letters sent to my home with our combined name and denial of card. I just want his name removed from my ss # they said they have no control over that. I am very unhappy and would like this corrected. I have tried to contact transunion llc and it is a recoring only. i am unable to contect with anyone. they offer live chat and i waited for over 30 minutes and no one ever responded. Please advise. Thank 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 2022-12-05 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: MS

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-05 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: MS

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: GA

Complaint narrative:
A notice of dispute and cease and desist was sent to XXXXXXXX XXXX  on XX/XX/2022, and signed for at their office on XX/XX/2022. A copy of that letter is attached to this complaint. XXXX XXXX did not reply and only put a dispute notice with one of the credit reporting agencies. There is conflicting information being reported amongst all three major agencies which is a violation. XXXXXXXX XXXX continues to report this false information, and the credit reporting agencies have made no effort to confirm that any of this information being reported is correct.

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 2022-12-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A notice of dispute and XXXX XXXX XXXX was sent to XXXXXXXX XXXX XXXX XXXXXX/XX/2022, and signed for at their office on XX/XX/2022. A copy of that letter is attached to this complaint. XXXXXXXX XXXX did not reply and only put a dispute notice with XXXX of the credit reporting agencies. There is conflicting information being reported amongst all XXXX major agencies which is a violation. XXXXXXXX XXXX continues to report this false information, and the credit reporting agencies have made no effort to confirm that any of this information being reported is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A notice of dispute and XXXX XXXX XXXX was sent to XXXXXXXX XXXX XXXX XXXXXX/XX/2022, and signed for at their office on XX/XX/2022. A copy of that letter is attached to this complaint. XXXXXXXX XXXX did not reply and only put a dispute notice with XXXX of the credit reporting agencies. There is conflicting information being reported amongst all XXXX major agencies which is a violation. XXXX XXXX continues to report this false information, and the credit reporting agencies have made no effort to confirm that any of this information being reported is correct.

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 2022-12-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I tried to resolved this issue about 3 months ago and no response. I'm also holding funds till my settlement check is endorse by insurance and mortgage companies. Please refer to previous complaints. I had spoke to them several times and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
complaint # XXXX 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. XXXX  XXXX Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
complaint # XXXX 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. Shellpoint XXXX Office of 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 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-05 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: IA

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. 

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 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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-05 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: MD

Complaint narrative:
This complaint is against Verisk Financial dba LCI Consumer. I received a response from LCI regarding a dispute of an alleged bankruptcy record it obtained from ( XXXX  ). According to LCI, it obtained this record in which they claim, it included " Four digits of my SSN '' which is not public information. In which I believe was errounously matched to my report. 

However, I have challenged their investigation for the following reasons : ( 1 ) LCI did not verify the " Accuracy and Completeness '' of this record with the courts according to the attached notice from TransUnion and the Bankruptcy Court. In the notice, TransUnion admitted to using ( XXXX  ) as it's " Validating Source ''. I contest that my " Personal Information '' could have been transposed with another consumer 's information. 

I am concerned that this data company could have created an account illegally and added it to my credit file. The attached letter from the courts, certifies that the courts " Do not report to XXXX XXXX ''. Therefore, LCI must remove this record from it's database as it is " Incomplete '' and " Unverifiable ''. Please note that by using PACER as the validating source, LCI and TransUnion has violated 15 U.S. Code ****i. LCI has no " Permissible Purpose '' to obtain, or transfer my personal information to any CRA. LCI has violated my privacy by transferring my " Personal Information '' to TransUnion. While I am fully aware that bankruptcy records are public, and that data furnishers do not need a consumer 's permission to share them, the law prohibits the reporting of such records, if they are " Incomplete '' and unable to be verified from it's " Originating Source ''. 

I am demanding that LCI removes my " XXXX XXXX '' from their database as they have no " Permissible Purpose ''. I demand LCI ceases the reporting of this " Unverified '' bankruptcy to TransUnion and any other source.

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 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am XXXX and a victim of bank fraud. A fraud check was cashed in the amount of {$6700.00} to my account. i am seeking reimbursement due to pending bills. I have waited months for a refund and still nothing on both sides. I have contacted Bank of America claims unit by phone on XXXX and they claim that it is a XXXX XXXX problem. The fraud check was cashed at Bank of America on XXXX. I need my funds returned so i can cover my bills as i am on fixed income. Please contact both institutions to expediate this issue. Thank 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 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting inaccurate, incomplete and fraudulent credit information on my personal credit report. The following inquiries do not belong to me and I never applied for the credit or these inquiries made in error : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2022-12-05 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: Kikoff Inc.
State: CA

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. 
XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX Account name : 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 1681c. ( a ) ( 5 ) Section States : no Complaint De...

consumerfinance.gov In | 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation