vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-13 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: Lendbuzz Inc.
State: TN

Complaint narrative:
Since i opened the account with lendebuzz they haven't actively report the account to the credit bureaus, i had made another complain before witch they only reported the months before but they never reported again since 6 months ago, on my experian doesnt even show up Which is a clearly violations of Fair credit act, i had paid my loan already and they haven't reported yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My computer was hacked and compromised before XX/XX/XXXX. 
I noticed charges from an XXXX Bank of America on XX/XX/XXXX, and froze the checking and credit card account then and filed a claim for the fraudulent charges. 

In the checking account the amounts taken were {$9900.00} XXXX Credit Card payment on XX/XX/XXXX, {$15000.00}. XXXX Bank Credit Card Payment on XX/XX/XXXX. 

In the credit card the amounts taken were {$1900.00}, plus {$57.00} transaction fee, balance transfer XXXX XXXX on XX/XX/XXXX. 
{$2500.00}, plus {$75.00} transaction fee, balance transfer XXXX Bank CA on XX/XX/XXXX {$4700.00}, plus {$140.00} transaction fee, balance transfer XXXX on XX/XX/XXXX. 
{$150.00}, for a fraudulent payment on XXXX on XX/XX/XXXX As there are XXXX accounts, there were XXXX claims filed, XXXX for the checking account and XXXX for the credit card account. The claim for the credit card is in progress, while the claim for the checking account was denied on XX/XX/XXXX, as Bank of America claimed that the transactions were legitimate, because they came from my computer I demanded the documents they used to decide the decision to deny the claim, and sent my computer to a computer technician to root for viruses. The documents they provided showed the IP addresses used to log into the bank for all the transactions. 
Bank of America claims that because I did not report several transactions, all the transactions from that XXXX address is legitimate. 
However, Bank of America XXXX credit card fraud department must not be communicating to the checking account fraud department, because I did report the other transactions to the credit card department. The computer technician reported several viruses found inside the computer, including one that could remotely extract information from the browser. 

Also viewing the IP addresses, the dates and times shown are impossible for me to be at, and I have alibi 's and witnesses attesting my location at that time. 

The process of calling Bank of America has been extremely time consuming, as they have kept me on hold for hours at a time, transferred me back and forth before breaking the connection. It has been extremely difficult getting ahold of 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 monetary relief
Consumer complaint received 2022-03-13 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: OH

Complaint narrative:
In accordance with the fair credit reporting act Convergent inquiries : XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 XXXX XXXXXXXX XXXX, XXXX, 2021 XXXX XXXX XXXX  XX/XX/2021 XXXX Card services XXXX, XXXX, 2021 XXXX XXXX Bank XXXX, XXXX, 2021 XXXX cards XXXX XX/XX/2021 have violated my rights. 

15 U, S.C 1681 section 604 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: OH

Complaint narrative:
In accordance with the fair credit reporting act Convergent inquiries : XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 Capital XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX  2021 XXXX XXXXXXXX XXXX XXXX, XXXX, 2021 XXXXXXXX XXXX XXXXXXXX XX/XX/2021 have violated my rights. 

15 U, S.C 1681 section 604 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
The purpose of filing this complaint is that we believe that our escrow account is being handled incorrectly by our lender. 

1. The supplemental real estate tax was paid in full by us the property owners from our own funds.

2. Even when these taxes were paid by the owner 's own funds the lender increased the mortage loan monthly payments. 
3. On XX/XX/2022, we send the lender an Error Resolution Letter with the evidence of this payment so the lender could fix or resolve such error.

4. On XX/XX/2022, we received a letter from the lender not addressing the issue that the owner paid the Supplemental Real Estate Tax and not from the escrow account. 

Attached you will find the documents showing this payment.

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 2022-03-13 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
XXXX XXXXXX/XX/2022 {$270.00}, XXXX XXXX XXXXXX/XX/2022 {$4700.00} Navy Federal credit union XX/XX/2022 {$26000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: IL

Complaint narrative:
XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. The consumer reporting agencies have failed to do a complete investigation as required by the FCRA. I am requesting my credit file pursuant to 15 USC 1681a ( g ) and that the XXXX XXXX accounts on my consumer report be corrected to reflect open with no missing payments. I have attached the complaint that has been filed with US District Court and will file a complaint with the consumer reporting agencies if they continue to report the account with missing payments. Pursuant to 15 USC 1681b ( a ) ( 2 ) the consumer reporting agencies are to furnish my consumer report under the following circumstances and no other, " in accordance with the written instructions of the consumer to whom it relates. '' My written instructions are as follows : report the XXXX XXXX accounts as open with no late payments. XXXX, Equifax, and XXXX do not need to contact XXXX XXXX in order to follow the written instructions of the consumer, as I am the consumer. By failing to follow my written instructions you are infringing on my right to credit, willfully violating the FCRA and are subject to punitive, statutory, and actual damages pursuant to 15 USC 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: CA

Complaint narrative:
According to my experience my TransUnion is XXXX and XXXX  XXXX just got A score of XXXX which is inaccurate because I have proof underneath showing that my credit score XXXX I need this fixed and all the people that I applied for to be notified that my credit score is in fact XXXX also I am making a complaint on XXXX XXXX because I had nothing but exceptional payment with them and I have proof that opinion posted to my account so what I thought that I still had that money so I naturally wasted the money to pay other bills now I got AI got a message from XXXX  XXXX saying that they are closing my account without no notice and took away all my all my credit For nothing I need this fixed

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 2022-03-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent out a letter to XXXX XXXX, equifax and XXXX  on XX/XX/2021. They have yet to get back ti me and it has been several months i think they are taking advantage of me and think i do not know what I am talking about. Please help me take care of this matter. They are not respecting me. They were suppose to respond back within 30 days and if they information could not be verified as accurate within those 30 days they are suppose to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent out a letter to XXXX XXXX, XXXX and experian on XXXX/XXXX/2021. They have yet to get back ti me and it has been several months i think they are taking advantage of me and think i do not know what I am talking about. Please help me take care of this matter. They are not respecting me. They were suppose to respond back within 30 days and if they information could not be verified as accurate within those 30 days they are suppose to remove 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 non-monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
On XX/XX/2022 Enhanced Recovery CO L added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Enhanced recovery CO L has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, Truist recently acquired Suntrust, and all accounts have been transferred to Truist. Since then, Truist has been a total disaster for me- and from what I can tell - everyone who's tried to use the service. Getting access to the account is an ordeal, since it only sends access codes to the first numbers I had when I first had the mortgage ( all of which are now defunct ). 

Once I do get access, Truist won't let me pay my mortgage. I've been trying to pay since the mortgage payment was due on XX/XX/2022. It's XX/XX/2022 now and I'm going to start receiving late fees on XX/XX/2022 not because I can't pay, but because the Truist website apparently can't handle basic mortgage transactions. I have plenty in my account, but when I try to schedule a payment, the website says " We encountered a problem - try again later '' with no explanation as to why they're refusing to accept payments. I'm convinced this company is trying to prevent customers from even being able to pay their loans such that they can start issuing foreclosure notices and possessing houses, because that's the only logical explanation as to why they would refuse to accept routine payments. 

Since I can't change my mortgage service provider, I'm stuck with Truist and their horrific customer service. I have no idea how to resolve this issue other than to hope the government steps in and shuts down this terrible company. I've tried their customer service line numerous times, but since they put you on hold for two hours I can't get through. I don't have the time to wait around for two hours each day without interruptions waiting for Truist to finally answer.

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 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC
State: IL

Complaint narrative:
On XX/XX/2022 ATG CREDIT added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, ATG CREDIT has violated my rights as a consumer and I am requesting legal action to remove this account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Called Equifax XXXX  I can't get a score from MY XXXX or the XXXX app. They say I have 2 credit reports under my SSN and offer no fix. It's so difficult to get someone on the phone. It's basically impossible to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: IL

Complaint narrative:
XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. The consumer reporting agencies have failed to do a complete investigation as required by the FCRA. I am requesting my credit file pursuant to 15 USC 1681a ( g ) and that the XXXX XXXX  accounts on my consumer report be corrected to reflect open with no missing payments. I have attached the complaint that has been filed with US District Court and will file a complaint with the consumer reporting agencies if they continue to report the account with missing payments. Pursuant to 15 USC 1681b ( a ) ( 2 ) the consumer reporting agencies are to furnish my consumer report under the following circumstances and no other, " in accordance with the written instructions of the consumer to whom it relates. '' My written instructions are as follows : report the XXXX XXXX accounts as open with no late payments. XXXX, XXXX, and TransUnion do not need to contact XXXX XXXX in order to follow the written instructions of the consumer, as I am the consumer. By failing to follow my written instructions you are infringing on my right to credit, willfully violating the FCRA and are subject to punitive, statutory, and actual damages pursuant to 15 USC 1681n and 1681o.

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 2022-03-13 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: IL

Complaint narrative:
XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. The consumer reporting agencies have failed to do a complete investigation as required by the FCRA. I am requesting my credit file pursuant to 15 USC 1681a ( g ) and that the XXXX XXXX accounts on my consumer report be corrected to reflect open with no missing payments. I have attached the complaint that has been filed with US District Court and will file a complaint with the consumer reporting agencies if they continue to report the account with missing payments. Pursuant to 15 USC 1681b ( a ) ( 2 ) the consumer reporting agencies are to furnish my consumer report under the following circumstances and no other, " in accordance with the written instructions of the consumer to whom it relates. '' My written instructions are as follows : report the XXXX XXXX accounts as open with no late payments. Experian, XXXX, and XXXX do not need to contact XXXX XXXX in order to follow the written instructions of the consumer, as I am the consumer. By failing to follow my written instructions you are infringing on my right to credit, willfully violating the FCRA and are subject to punitive, statutory, and actual damages pursuant to 15 USC 1681n and 1681o.

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 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was on automatic payments. The last payment bounced because I was away and did not have the money in my account. Citi Visa cancelled my card in XX/XX/2021 after having this card for over 10 years. Because they cancelled it in XXXX, I was not entitled to my end of year rewards totalling over {$1400.00} because I did not have the account at the end of XX/XX/2021! If I had not been on automatic payment at the due date, Citicards would have rolled over my balance and I would have paid interest on the unpaid balance. Instead, they cancelled my card completely just before I was to receive my bonus payment for all my transactions that occurred during the year. This was an arbitrary judgement on their part. I want them to pay me my bonus due at the year end and reinstate my credit card.

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 2022-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I would like to place a complaint against US Bank Home Mortgage XXXX XXXX XXXX XXXX, MN XXXX. I have a mortgage loan that I requested a payoff in full since XX/XX/XXXX. I requested a payoff balance with US Bank and was sent a payoff letter on XX/XX/XXXX. The problem is with US Bank 's 3rd party vendor XXXX XXXX XXXX for the second lien. Apparently, XXXX changed to a new entity and US Bank keeps waiting for the new company which I believe is HUD to get the second payoff. Each entity is blaming the other stating that HUD won't provide the payoff and when I contact HUD they said that US Bank needs to reach out to get the payoff. Each entity is NOT providing the correct payoff information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX. The title company and myself have reached out to both US Bank and HUD at least 3 times a WEEK since the end of XX/XX/XXXX to get this resolved and each entity blames the other with NO results. I am NOW penalized 2 more months of finance charges and late fees because neither entity will provide the correct payoff. I am requesting your help to have these charges reversed and credit repaired due to their incompetence. I am also requesting your help in obtaining the correct payoff ASAP. I have had my condo in escrow since XX/XX/XXXX. The new borrower has provided the title company funding ( cash sale ) for the payoff and now losing dividends on their money as well. This is a private sale between buyer and myself. My loan # is XXXX. My property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX. FYI- Weekly sometimes 3 times a week I call, the title company has called and sometimes we conference call these entities since the end of XXXX to get this resolved and each one blames the other. We have been on the phone for up to 2 hours at a time. Customer service at US Bank has TONS of notes on my account referencing payoff request YET no one can help. I have been offered a return call from a Supervisor that has NEVER happened. I feel US Bank and HUD will not provide the correct payoff amount in order to un-lawfully gain additional finance charge and fee income. This complaint is over a payoff quote - nothing more ... how hard can this be? What they are doing is un-lawful and if this can not be resolved to MY satisfaction which is reversing all charges as of XX/XX/XXXX I will be seeking legal advise and starting a class action lawsuit on US Bank and HUD. I have also file this same complaint with the FDIC. US Bank and HUD has left me no other recourse. I want this resolved by 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