vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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: MI

Complaint narrative:
TransUnion continues to house invalid and damaging information. TransUnion has repeatedly ignored my request to remove fraudulent invalidated accounts, inquiries and personal information. TransUnion has continued to undermine federal regulations and validation requirements. FTC report number has been given and report copy has been sent in. TransUnion has a right to the American people to report fair and accurately only. They have failed to honor their obligation and only hangs up in my face when I finally get a representative on the phone. Ive exhausted every avenue of communication I have and allowed them multiple opportunities to cure. Legal lawsuits will be filed for defamation and conspiracy if this information is continued to be shared illegally. Reinvestigation and validation pursuant FCRA is demanded!

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 2022-03-03 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: GA

Complaint narrative:
I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I have been in contact with Navy Federal Credit Union for a mortgage payoff for the last couple of weeks because I have a contract with a buyer for my home. The closing date of the contract was for XX/XX/2022. The payoff Navy Federal provided is incorrect. A portion of the payoff belong to HUD/FHA who I will also need a payoff amount from. Unfortunately HUD/FHA can not provide me with a payoff because they stated Navy Federal never sent them the partial claim promissory contract. Until this is corrected the buyers cant close the deal on my house because we can pay HUD/FHA there portion to take the LIen off my house. I have been told I would receive a call back from a supervisor and I havent heard back from nobody at Navy regarding there mess up with the partial claim promissory contract.!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: GA

Complaint narrative:
I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.

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 2022-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
On or about XX/XX/2022, I offered to payoff my loan at One Main Financial for {$9500.00} they accepted a couple of weeks later and attempted to get me to pay without the agreement in writing. I still do not have it in writing on XX/XX/2022. This is why I want to terminate any business with One Main and why this is my second complaint against them. They are fraudulent and the press and other organizations will be put on notice to stay away from this type of company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have new and updated information. Upon requesting my free consumer report and file I was not able to receive it. Correspondence from Equifax claims Ive been supplied the requested information, but I have not. 

Attached is the adverse action I got regarding this issue Certified mail receipt # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I was initially in a loan payment delay during COVID as I was laid off from my job during the pandemic. Once I gained employment, I reached out to the company about a loan modification ( enclosed ). I completed all of the requirements of the loan modification and was sent loan modification paperwork ( enclosed ), which needed to be signed and notarized. I sent all of the signed and notarized completed paperwork in on XX/XX/2022 and my updated payment was due on XX/XX/2022 which I paid through their collections.The loan modification was reflected on my XXXX credit report on XX/XX/2022. I have also made the XX/XX/2022 payment. I am still getting calls from the Mortgage company threatening foreclosure and an overdue balance. The mortgage company also has reported late payment, despite me being signed up for a mortgage forbearance program in addition to going through the loan modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
My name is XXXX XXXX and I am having some serious problems with my Regions credit card account. I have been making my payments online on time from my XXXX XXXX XXXX  account but for some reason it is getting lost in the process. I just recently noticed that when I make my payment online using the Regions bank payment portal XXXX XXXX XXXX  shows up as two separateaccounts, or should I say two separateinstitutions but the same account and routing numbers. Maybe this is what's causing the problem with my payments? I have included a screenshot of what it looks like when I make the payment. today I realized that my credit report is saying that I'm two payments behind and I have made payments on time since this account opened. If I need to repay that's fine but I do NOT want any negative marks on my spotless credit especially not now while I'm preparing to buy a house. Please help me to resolve this issue 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 explanation
Consumer complaint received 2022-03-03 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Credit reporting agencies are not investigating my claim of a mistake in reporting 30-60 days late on my credit reports. They keep telling me, All they do is pass on the information from my mortgage company they dont investigate. 
I called my mortgage company on XX/XX/XXXX, the day the CARES act was enacted and requested to be on forbearance and after a lengthy question and answer period was verbally approved for forbearance on XX/XX/XXXX. On XX/XX/XXXX, I called the mortgage company to verify I was on forbearance to make sure the XX/XX/XXXX payment was not going to be 30 days late. The mortgage company assured me on XX/XX/XXXX, the XX/XX/XXXX payment would be covered under forbearance. I then contacted the mortgage company in XXXX of XXXX and entered a three-month trial period for a loan modification. After I started making trial period payments the mortgage company reported me being late for XX/XX/XXXX. The mortgage company said I did not make my XX/XX/XXXX payment and because I was no longer protected under forbearance, they were allowed to report me as late 30 and 60 days. 
I contacted the mortgage company and they told me I would need a subpoena for the phone records for XX/XX/XXXX. I have phone records from XXXX showing I had two conversations totaling over 2 hours with the mortgage company on XX/XX/XXXX, and three emails sent to me from them on XX/XX/XXXX. For some reason now the mortgage company is stating " their records show I was placed on forbearance XX/XX/XXXX, with no evidence to show this date on anything. 
Please help I am a 100 % service-connected XXXX veteran and I have never been 30 days late on any mortgage payment since we bought our home over 8 years ago. 
Thank you for your time, XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Opened a savings account with XXXX XXXX XXXX  through Affirm because of its high APY of 0.65 % on or around XX/XX/XXXX. At the time I already had a savings account with XXXX XXXX XXXX but it did not have a high APY which is why I opened an account with Affirm. I decided to transfer the money that was in my XXXX XXXX XXXXXXXX savings account to my new Affirm account. I made my first deposit on XX/XX/XXXX in the amount of {$10000.00}. I made my second deposit on XX/XX/XXXX in the amount of {$10000.00}. I made my third deposit on XX/XX/XXXX in the amount of {$13000.00}. My Affirm account was frozen on XX/XX/XXXX. I called Affirm ( XXXX ) on XX/XX/XXXX at XXXX XXXX in regards to my account being frozen. I was informed by the representative that this is common when a new account is opened and deposits are made and that the issue would be resolved within up to 48 business hours. The 48 hours had passed and my account remained frozen. I called Affirm back on XX/XX/XXXX at XXXX XXXX. I was informed by the representative that there was a delay on these types of requests due to COVID and that this issue should be resolved ( account becoming unfrozen ) within 3-5 business days. I proceeded to call Affirm 8 more times on XX/XX/XXXX at XXXXXXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXXXXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXXXXXX XXXX XX/XX/XXXX at XXXX XXXX, and lastly on XX/XX/XXXX at XXXXXXXX XXXX. I called Affirm for over a month and was consistently being told that they needed to extend the waiting period another 3-5 business days while they were " investigating '' the matter. On my final call to Affirm I was told that my account was being permanently frozen and that they could not tell me why and that I would have to contact XXXX XXXX XXXXXXXX in order to get my funds back. I proceeded to call XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX at XXXX XXXX  to inform them of what was going on and they informed me that they could not assist with any account opened through Affirm. Ultimately, my account was frozen with a total of {$33000.00} in it unlawfully and illegally due to what I believe is discrimination. ( In addition to the {$33000.00} that I deposited, my account accrued interest in the amount of {$16.00} bringing the total to {$33000.00} )

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

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX. 
Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX. Account number : XXXX, XXXXXXXX XXXX XXXXXXXX Account number : 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.

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 2022-03-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX. 
Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX. Account number : XXXX, XXXXXXXX XXXX  XXXX Account number : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
To whom it may concern The following are listed on my credit report and I have never got a 1. Original Contract.

2. Payoff Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance XXXX XXXX XXXX {$150.00} XXXX XXXX  {$810.00} CONVERGENT OUTSOURCI {$620.00}

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 explanation
Consumer complaint received 2022-03-03 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ending in XXXX, full Credit Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/24 Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX XXXX Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX  Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Transunion to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Transunion is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Transunion any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the XXXX closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Transunion to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( 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. Transunion is violating the united states codes and should delete these items off of my consumer report or face legal action.

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 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
On around XXXX XXXX the manager of my job brought in an envelope with garnishment papers. A company by the name of Velocity Investments has purchased an old debt an garnished my wages. I then attempted to contact the person who was suing me. I reached out via phone to XXXX XXXX to see if the garnishment could be stopped, XXXX XXXX proceeded to tell me that he would not work with me and then hung the phone up in my face. I then began to send emails only to be in contact with XXXX who then told me that he was the only person who could make any decisions on my issues. After going back and forth with XXXX XXXX and begging him not to garnish my wages he then proceeded to contact me three days later to ask for XXXX and then he would work out a payment plan. After explaining to XXXX XXXX I could not afford that amount, he told me that was the best he could do and good luck. The original debt was XXXX but after court cost and other fees I am now paying XXXX to someone whom I never had any contact with, I never gave anyone permission to give my name, address ( Which is incorrect ) and this is why I have never received anything from XXXX XXXX or his company. XXXX XXXX is now taking 25 % of my wages and it is hurting me because the cost of living is high and that amount every payday is hurting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: VA

Complaint narrative:
CREDIT CONTROL LLC has failed to validate debt on XX/XX/2022 I sent CREDIT CONTROLL a debt validation letter and in response they sent billing statements which is not sufficient evidence of indebtedness. I will send a 2ND and FINAL request for proper debt validation which is to include but not limited to a written itemization of the finance charge, the OFFICIAL initial contract bearing consumers signature, a written itemization of the amount financed and the amount owed; also I demand an audit trail for the account/debt in question

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 2022-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Auto payment went through late, to avoid late fees, use website through Hyundai Motor Finance to pay again for XXXX. One Month later it is not reflected on finance statement for XX/XX/XXXX or XX/XX/XXXX. Now I am passed due by 19 days with no resolve, and currently out of {$380.00}, even though it was processed. 

XX/XX/XXXX Contacted Hyundai Finance, work with customer service, no resolve XX/XX/XXXX, Hyundai collections called stating I am pass due called customer service right after call from collections explain situation no resolve, wait 3-5 business days XX/XX/XXXX, called back no resolve, file a Complaint with XXXX. 
XX/XX/XXXX, called customer service again, still no resolve, told it was escalated XX/XX/XXXX called back no resolve again XX/XX/XXXX I was contacted by XXXX XXXX at XXXX, ( XXXX XXXX ) I was told to email my bank statements and also told that there was a glitch on their system with payments, I explain that I was not notified, and was told Money applied to billing was refunded which I didnt received. I explained that I would like my money to be applied to my loan and also would like any interest incurred by the mistake from their system to be fixed and also to fix any negative credit damage from their faulty system. 

XX/XX/XXXX Contracted by XXXX XXXX from XXXX XXXX told not to not accept resolution on XXXX and that she was going to close the matter, told her I dont understand how you can close it due to the problem not being fixed. 

XX/XX/XXXX Still no resolve, passed due again for the month of XXXX now.

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 2022-03-03 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: MD

Complaint narrative:
I was looking at my consumer report before I apply for a new house and noticed inaccurate and fraudulent account on my consumer report. This is ruining my life, I am unable to apply for certain things due to the inaccurate information on my account. My identity was stolen, and it is pretty scary knowing that someone has misused my information without my knowledge or authorization. This is making my life XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: MT

Complaint narrative:
XXXX XXXX automatically filled in my direct deposit information to my credit karma account ( they are a connected entity I believe ) though my credit karma account was deleted months ago. I tried to contact credit karma and they gave me the run around to close my support request only to contact me a day later to offer help which has gone no where. They have my tax refund and will not give it to me.

Company response to consumer: Closed with explanation