vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XXXX I was notified of a delinquency with my TD Bank mortgage account via credit bureaus. I immediately contacted TD Bank and spoke to a costumer service representative who stated that my account was reported late because the payment I submitted on XXXX was insufficient due to an increase in Escrow. In all honesty I told them thats not considered a late payment being i paid on time.I proceeded to explain to the representative that I never received any correspondence informing me that my monthly payment or Escrow was increasing and that the application use to submit monthly payments doesnt specifically tell you what is the minimum monthly payment due but instead it gives the customer the option of inputting his/her desired amount of payment. My mortgage is usually {$2500.00} but i normally would send {$2600.00}. Furthermore the representative told me that if I made a payment of XXXX it would make up for the shortage of the mortgage Payment for XXXX and all she would have to do is reverse the transaction to show payment was satisfied for month of XXXX and it shouldnt be reported to credit bureaus. Ive reached out to Td Bank consumer credit dispute department via mail and just received their decision that they wouldnt remove the delinquency even though I explained to them that payment was and has never been late and I never received communication from them until the following month after delinquency was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Addendum to previous complaint. Please note, I will continue to file complaints against this company while legal remedy is being pursued. Update, using their online form my payment scheduled for XX/XX/2022 was not processed per my statement as such. I also called and attempted to use their automated service and reception of my payment was denied. Their automated system clearly states that a payment can not be accepted. I recorded this attempted transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of XXXX, my checking account was frozen due to my banks inability to verify unemployment checks. Then after speaking with the bank I was told that the only way I could have my account reopened would be to have the issuer Employment Development Department come with me to my nearest bank with two forms of identification to verify my checks or it would be closesd. A bank manager at the XXXX XXXX XXXX, California branch then attempted to help me by speaking with corporate to no avail. Two weeks after my account was frozen I was then informed that my account would be closed. I then was informed by the bank that my account was closed as of the XXXX of XXXX, XXXX  and i would receive my funds with 10 business days. It is now the XXXX of XXXX, XXXX and I have still not received my funds. I have incurred late payment fees, I have had credit card accounts closed, and I have not been able pay my bills because all of my funds within my account are missing and unaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase freedom unlimited card closed without my permission suddenly after I paid the balance off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Received a bill from a collection agency for something I'd never seen or used. 
A credit card denial from a Synchrony Bank that I never applied for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
Suntrust Mortgage is dunning me for a payment I've already made ; my bank statement says they received the {$1400.00} payment on XX/XX/22 but they sent out the dunning letter on XX/XX/22. This is the second tome I've had this problem with Suntrust. They resolved a previous XXXX complaint satisfactorily.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
To whom this may concern : I am having an issue with XXXX XXXX requesting my title, I contacted them and spoke to XXXX whom stated to fill out online email that I need copy of the title to do state to state title transfer. I submitted it and now called a month later and was told it was rejected. Now I need do start the process over with another set of guidelines and only have a couple weeks to get this resolved since my vehicle reg. expires. No one called or emailed to let me know the issues. I just spoke to XXXX a supervisor who stated good luck here is another set of documents needed. I asked to speak to a manager over titles to advise of my situation she refused said no. No customer service .....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: IL

Complaint narrative:
These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question.

I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation. 

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. I request that this information be blocked and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: GA

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 XXXX 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 2022-02-28 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: GA

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 XXXX 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 2022-02-28 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: GA

Complaint narrative:
Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 2022-02-28 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:
Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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 XXXXXXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account number : XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account number : XXXX has viol

ated 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 2022-02-28 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 Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account number : XXXX, US BKPT CT XXXX  XXXX XXXX Account number : XXXX has v

iolated 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 2022-02-28 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: Kikoff Inc.
State: FL

Complaint narrative:
My identity was used to open at fraudulent account at Kikoff lending, it looks like {$24.00} was loaned and never made a payment and my credit score was hit for XXXX points. i noticed all this on my XXXX XXXXXXXX XXXX. Kikoff makes it very difficult to contact them. I reported on XXXX but the dispute remains. ( # XXXX ) I don't know what to do at this point. Kikoff dos n't have a phone number and do not respond to email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
For years I have been a victim of Identity theft. Ive had over 30 fake collections apply to my credit along with insurance with logging into my online bank to pay bills because of hacking and inaccurately displayed information.

Please contact in regards to the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 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: The Outsource Group, Inc

Complaint narrative:
For years I have been a victim of Identity theft. Ive had over 30 fake collections apply to my credit along with insurance with logging into my online bank to pay bills because of hacking and inaccurately displayed information.

Please contact in regards to the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: AK

Complaint narrative:
Received a written notification from AFNI at afnicollections.com and they stated I owed a certain amount for a company I had no debt with. I contacted the company before contacting AFNI ( from a blocked phone number ) and confirmed that I had no debt with that company and they have no record on file of unpaid debt. Additionally, I never once got notification from the company itself of any unpaid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
While in the process of refinancing my mortgage, Flagstar charged me {$30.00} to supply payoff statements by email to my new lender. This fee was assessed 3 times, for a total of {$90.00}. I was not made aware of the charges until the day of closing, so was unable to avoid this fees. These charges are deceptive, extortionate, and insanely excessive. 

Flagstar Release of Lien misspelled my name.

I attempted to contact Flagstar regarding these issues, they stated that there would have been no fee to have the payoff statements mailed. This doesn't make any sense since mailing is the only option that would have cost Flagstar money. I was never informed of the $ XXXX statement fee, nor given the option to request payoff by mail. Since I can generate payoff statements for free online, $ XXXX is insane. 

Furthermore, this fee was deceptively listed on the payoff statement as a " email/fax fee ''. I had to call for an explanation. Having been transferred several times, they eventually hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: OH

Complaint narrative:
XXXX sometime in 2018 when I was in the military

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: NV

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 Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: LEXISNEXIS
State: MI

Complaint narrative:
I recently applied for a home loan and was denied because of a bankrupcty that is not mine reporting on my consumer report. I contacted the Courthouse and was told they DO NOT report information to anyone reporting agencies so I submitted a dispute with the XXXX and was told this information was provided by Lexis Nexis which is inaccurate. I sent them a letter over 30 days ago disputing these false inaccurate records because I have never filed bankruptcy nor does this company have permissble purpse to furnish my personal information and this is a violation to my right to privacy. They have ignored my request nd if this is not deleted I will have to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: IL

Complaint narrative:
These public records were not reported t

o the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question. I have sent NUMEROUS letters to the bureau
s requesting their removal with provided documentation.

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. I request that this information be blocked and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 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: IL

Complaint narrative:
These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question.

I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation.

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. I request that this information be blocked and removed immediately.

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