vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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: AZ

Complaint narrative:
I CONTACTED EXPERIAN, XXXX, AND XXXX - CREDITOR NAME IS XXXX XXXX XXXX XXXX, SENT ID THEFT REPORT, POLICE REPORT, PROOF OF IDENTITY AS YOU CAN SEE ATTACHED THIS WAS REMOVED/DELETED FROM MY EXPERIAN AND OTHER REPORTS XX/XX/2022, NOW IN XX/XX/2022 THIS ITEM IS BACK ON MY CREDIT REPORT THIS IS FRAUD AND IDENTITY THEFT, PURSUANT TO SECTION 605B OF THE FIR CREDIT REPORTING ACT HOW CAN THIS HAPPEN IVE ALREADY SENT ALL DOCUMENTATION PROVING IM A VICTIM OF IDENTITY THEFT, HOW RE YOU REINVESTIGATING SOMETHING ALREADY BLOCKED AND REMOVED DUE TO IDENTITY THEFT?

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 2022-09-19 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD AUTO FINANCE obtain a copy of my XXXX credit report on XX/XX/22 without my consent or permission. I have no relationship with td auto finance nor have I applied for any credit products from td auto finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV

Complaint narrative:
After the COVID forbearance, I participated in a loan modification with Lakeview Loan Servicing ( where I was told it would be non-interest bearing ). I signed all documents. FHA recorded a lien for {$26000.00} BUT the mortgage company also added the same amount to my principal balance. Creating a situation where I owed over {$52000.00} when it should have been approximately {$26000.00}. I contact the bank XX/XX/XXXX, they said they would fix it, XX/XX/XXXX they said was being reviewed, XX/XX/XXXX they said the review was closed, XX/XX/XXXX they said they would submit a reconveyance request to FHA, XX/XX/XXXX they said that they never sent it to FHA and that it was being reviewed. This is a circle of nonsense at a time when I'm trying to sell my house. FURTHER, I tried to make a payment in XXXX and they said they would only accept both ( 2 ) of my delinquent payments. I asked again on XX/XX/XXXX and they said they would only take 2 payments, no less- and next month it would be 3. My mortgage documents state that they can apply any partial payments any way they wish but they still have to take them. I am accruing late payments and interest because they won't take my money.

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 2022-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-09-19 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: OH

Complaint narrative:
I am making a final goodwill attempt to clear up this matter. The accounts sent back verified are entirely inaccurate, incomplete, and represent a grave error in reporting. Also, this is my second time contacting about this matter in writing. No need for me to go into detail and tell you the law. Your company knows that you are required under the FCRA to have correctly verified the accuracy of an account listed on my credit report with physical documents. All in all, you have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

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 2022-09-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
XXXX reporting items that are due to identity theft and per the law need to be removed. The XXXX breech has caused years of issues and now USAA which is ID theft is once again reported. Please remove any information being reported on USAA accounts immediately. This is against the law and needs to be removed. I have supplied multiple documents to support the breech and claims. I have filed an action with the FTC as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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:
Equifax reporting items that are due to identity theft and per the law need to be removed. The equifax breech has caused years of issues and now XXXX which is ID theft is once again reported. Please remove any information being reported on XXXX accounts immediately. This is against the law and needs to be removed. I have supplied multiple documents to support the breech and claims. I have filed an action with the FTC as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX reporting items that are due to identity theft and per the law need to be removed. The XXXX breech has caused years of issues and now XXXX which is ID theft is once again reported. Please remove any information being reported on XXXX accounts immediately. This is against the law and needs to be removed. I have supplied multiple documents to support the breech and claims. I have filed an action with the FTC as well

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 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
Order number # XXXX from XXXX XXXX was timely cancelled, and therefore never shipped/delivered or received by us. This order was initially financed through XXXX, and they did not updated the loan as cancelled and removing the charges. The account was recently referred to collections to Firstsource Advantage. 

We have made multiple unsuccessful attempts to have this information corrected and avoid credit impact, however all parts have not taken the necessary steps to have this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
I called to request a refund for payments made during the forbearance period made during the pandemic on XX/XX/XXXX. In the past when I have made payments, money was immediately pulled from my account but to receive a refund I was told it would take 160 days since the day I requested it. The original amount I owe has been reinstated but I have not received my refund yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, On XXXX XXXX I reached to Capitol One Auto Finance about 2 inquiries on my credit profile from XX/XX/2022, XX/XX/XXXX, XXXX without my permission. 
I was instructed to contact XXXX directly to have them remove the 2 inquiries, but XXXX refused to remove the 2 inquiries stating I need to call the creditors back, so now I'm getting back and forth without resolution to my credit profile. 

This is : 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: OH

Complaint narrative:
I am making a final goodwill attempt to clear up this matter. The accounts sent back verified are entirely inaccurate, incomplete, and represent a grave error in reporting. Also, this is my second time contacting about this matter in writing. No need for me to go into detail and tell you the law. Your company knows that you are required under the FCRA to have correctly verified the accuracy of an account listed on my credit report with physical documents. All in all, you have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

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 2022-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS

Complaint narrative:
This started back in XXXX of 2021. We tried to make 3 house payments that month, in order to catch us back up. The first one was made on XX/XX/2021. This was the XXXX payment. ( {$960.00} ) The second payment was made on XX/XX/2021. This was the XXXX house payment. ( {$960.00} ) Late fees were included in the first 2 payments. The third payment made was supposed to be for XXXX. It was paid on XX/XX/2021 ( {$930.00} ) The third payment was applied to our principal instead of being used a house payment. I made several phone calls and finally after 6 months it was resolved and applied to the mortgage. This mortgage lender does not take partial payments. Prior to this fiasco in XXXX, we tried to pay what we could. They are an all or none financial institution. This caused great stress to us, as we were trying our best. I was unemployed for 6 weeks. Their policy is to mail back the amount they received in the form of a check, if it is not the full amount due. It is sent back via the US Postal Service. Therefore, on several occasions, by the time we received the check, cashed it and tried again, we were falling further behind. Our major concern now is that the bank has reported that we had seven late house payments. This is simply not true. I have my online banking statements to back up this reporting. We recently have tried to apply for a mortgage that would involve selling our current home and moving. We were denied due to what Fifth Third Bank reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-09-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diaz & Associates, Inc.
State: WA

Complaint narrative:
This company named Diaz keeps sending out letters to us stating we owe them for a XXXX account. I've called XXXX  a few times, and we don't owe anything. Now they are calling my family members and harassing me, saying they are trying to serve papers and there is a civil suit against us. It's really nonsense, and the threats are getting to be too much. 

Now they call themselves XXXX XXXX. Their phone number is XXXX and they said our case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
Hi the state submitted payment for my mortgage and it hasn't been applied to my account for weeks.

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 2022-09-19 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:
Hi, my name is XXXX XXXX. I was born in XXXX, Pa on XX/XX/1994. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. This is affecting me in a negative way. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items 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 non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Bank subject to complaint is Comenity Bank. I applied for a line of credit for a credit card through their XXXX the XXXX of Jewelry Card. I was given the following reason for my rejection : " because you are under the age of majority ( the age to legally enter into a contract ) in PA, we are unable to extend credit to you at this time '' This is incorrect, as the age of majority is XXXX in PA, and i am XXXX XXXX XXXX. 

The notice I received had no contact information on how i can dispute the incorrect decision. 

I called Comenity 's main line, where the customer rep told me that there is nothing she can do and that the rejection notice was final. I asked for a supervisor, and she agreed but said " they will tell you the same thing ''. The supervisor transferred me to a new department, but the transfer led me to an automated message with no action to dispute the incorrect decision. I was told I could " write '' to the address on the letter, but given that my application was rejected under false pretenses and the need to take out a line of credit, The lack of contact points Comenity provides is not a good-faith effort, and it's plausible they reject applicants on false pretenses to hope they avoid going a tedious communication method. 

It's complete age discrimination I am facing here. I have more than enough income to supplement the credit i am asking for, and Comenity denied my application based off of false pretenses. When i informed them of this blatant error, I was given no choice to actively discuss why my application was denied. Its despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: FL

Complaint narrative:
Order number # XXXX from XXXX XXXX was timely cancelled, and therefore never shipped/delivered or received by us. This order was initially financed through Klarna, and they did not updated the loan as cancelled and removing the charges. The account was recently referred to collections to XXXX XXXX. 

We have made multiple unsuccessful attempts to have this information corrected and avoid credit impact, however all parts have not taken the necessary steps to have this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
HYUNDAI CAPITAL AMERICA obtained a copy of my XXXX credit report on XX/XX/22 without my consent or permission. I have no relationship with them nor have I applied for any credit products from them.

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 2022-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
My husband and I have a home equity line of credit ( HELOC ) with BBT/Truist , valued at {$100000.00}. Prior to last XXXX, we had a balance owed of approx {$16000.00}. In XXXX, we used approx {$5500.00} more for home expenses, then visited to the bank branch to request a " freeze '' on the interest rate. This would total approx {$21000.00} balanced owed for both loans. 

The branch manager froze the interest rate of the {$5500.00} amount, and kept the original {$5500.00} on our account -- thereby creating a third withdrawal with a variable interest rate. Our total subsequently reflected over {$26000.00} balance owed. 

I have visited the branch 5 times between XXXX XXXX XXXX ; I left messages with the front desk agent ( XXXX XXXX XXXX XXXX to have the branch manager contact me. No one has returned my call. I have contacted the customer service line ( ph XXXX ) many times with little to no response. Meanwhile, since we did not withdraw these funds, we have not been paying towards erroneous loan balance, and we are in turn being assessed late fees and reports to the credit agencies. 

In XXXX, I was able to open a ticket ( # XXXX ). No information was given about how to contact this department correctly. I only repeated calling the main customer service line. While paying the XXXX mortgage, I noticed a credit of {$5400.00} was applied to the original fixed loan but it still leaves the erroneous variable loan open. 

Between Friday, XXXX XXXX- XXXX. XXXX XXXX, I have called Truist 6 times -- and have been disconnected while on hold with their agent. Apparently, no one is able or willing to assist on their end. Hence I am left with no choice but to file this formal complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation