vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I received an adverse action notice in my email from westlakedirect.com that I had been denied for a loan. I never applied for a loan with this company. I have tried calling this company several times. I was told to call XXXX but no matter what option I choose, I get a message immediately that no one is there to answer. I have had to freeze my credit with the credit bureaus. There was a file attached called an adverse action notice telling me that I had to use the last 4 digits of my SSN as the password. I did not open the document.

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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I notice a problem with false information being reported on my credit profile. 
I wrote dispute letters to XXXX, XXXX, and TransUnion. Asking them to investigate the following account and validate the collection account XXXX XXXX. On XXXX. Its has been over 60 days with no update, I sent out a 30 day demand to comply request / letter on XXXX by certified mail. 
XXXX received the letter on XXXX at XXXX, Tracking # - XXXX XXXX received the letter on XXXX at XXXX, Tracking # - XXXX TransUnion received the letter on XXXX at XXXX Tracking # - XXXX Per XXXX they removed the account. I followed up with XXXX on XXXX they confirmed they removed the account confirmation # XXXX. I called XXXX on XXXX to request proof of deletion, I explained to them I still have yet to receive anything from them verifying the account or investigation results. I was disconnected on three times no one has yet provided an update as to what was going on, and explain why XXXX is still reporting false information on my credit report. TransUnion is also claiming they never received anything. I also sent XXXX XXXX a debt validation request it has been over 30 days I still did not receive anything from them. Letter was sent on XXXX by certified mail they received it on XXXX at XXXX Tracking # - 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 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Hello, the company involved is https : //www.fayservicing.com/ they are the lender that holds the note/loan for an investment home that I have in Texas. They have been un-responsive, un-reachable, and have NOT taken the money out of my account for my monthly auto pay for my mortgage. Also when my loan was taken over by them, the original lender XXXX paied a {$2200.00} escrow shortage. Fay Services did not recognize or see this payment, and made it for a second time on their behalf. They then added the {$2200.00} to my mortgage for me to pay. I had to call the original lender XXXX and get documented evidence that this was paid. They then said they would reach out to the county and it would be handled somhow. They then told me they would lower my mortgage to take care of the adjustment. Again NO money or auto pay has hit my account. I have no idea what is going on. My mortgage is late on the XXXX, and hasnt been paid this month as I can not get ahold of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I have three mortgages with Axos Bank ( primary residence and 2 rental properties ). They have repeatedly place expensive hazard insurance on each of my properties although I have always had insurance and have submitted proof repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX had me file for these loans under the knowledge I would be able to obtain the degree promised when first applied to the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: AK

Complaint narrative:
On XX/XX/2022 I applied for an Arhaus credit card which uses Comenity Bank to process their credit card applications ; however, I never received a response regarding my application. Arhaus/Comenity Bank never issued an approval or denial letter for the credit card application. I contacted Comenity Bank on 6 different occasions and was either transferred to departments that were not opened, transferred to lines where no one answered the phone, told to reapply for the credit card, and/or provided my demographic information on more than one occasion to several different people who could not confirm my application status -- basically stating they have no record of me completing a credit card application. I then filed a dispute with XXXX, the credit reporting agency that Comenity Bank used to obtain my credit report since Comenity Bank said they had no record of my applicaiton, only for XXXX to state that the disputed hard inquiry could not be disputed because Arhaus/Comenity bank stated I actually completed the credit application. So, I am requesting a response to my credit card application, indicating that the application was approved or denied. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I applied for an automobile loan. The dealership sent my credit application to several lenders each time without my direct consent. I have called the lenders and none can produce a signed application for credit with their companies.

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 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX U.S. Department of Justice Civil Rights Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, D.C. XXXX RE : ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX Director Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Dear Friend ; Please assist me in obtaining a release from my current excess PMI requirement. I requested the removal of the PMI about 45 days ago. I was not contacted or visited by XXXX or the new mortgage servicers PNCXXXX XXXX appraiser . I was not contacted by an appraiser. When I called PNCXXXX XXXX for an update on my Primary Mortgage Insurance I was informed that the request was declined.

The parties involved have committed consumer fraud. They are charging PMI for an unfair profit. The current OPEN DOOR offer for the home is {$430000.00}. The current loan amount is lest than {$300000.00}. 

PROOF AND EVIDENCE OPEN DOOR APPRAISAIL Selling Offer {$430000.00} Status Expired Expiration date XX/XX/XXXX aboutOpendoor Brokerage TREC  : Information about Brokerage Services |Consumer Protection Notice California DRE # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX The OCC , Board , FDIC , NCUA , Bureau XXXX and FHFA ( collectively, the Agencies ) are adopting a final rule to implement the minimum requirements in the Dodd-Frank Wall Street Reform and Consumer Protection Act ( the Dodd-Frank Act ) to be applied by participating States in the registration and supervision of appraisal management companies ( AMCs ). The final rule also implements the minimum requirements in the Dodd-Frank Act for AMCs that are subsidiaries owned and controlled by an insured depository institution and regulated by a Federal financial institutions regulatory agency ( Federally regulated AMCs ). Under the final rule, these Federally regulated AMCs do not need to register with a State, but are subject to the same minimum requirements as State-regulated AMCs. The final rule also implements the requirement for States to report to the Appraisal Subcommittee ( ASC ) of the Federal Financial Institutions Examination Council ( FFIEC ) the information required by the XXXX to administer the new national registry of AMCs ( AMC National Registry ). In conjunction with this implementation, the FDIC is integrating its appraisal regulations for State nonmember banks and State savings associations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have reached out to Experian, XXXX and also XXXX about XXXX this amount that is appearing on my credit report is inaccurate first of all the amount is incorrect!! They are still reporting late payments which is an error or a lie so how was the information verified when I dont even have the vehicle so how is late? According to the FCRA, Nevada statute of limitations this was a credit sale its being listed an an installment loan!! I have enclosed the documentation and I have reached out to the bureaus as well as well as XXXX and also XXXX XXXX!! I have enclosed the documentation as well to show the amount is inaccurate therefore the amount being reported is absolutely inaccurate!! The balance is wrong!! They have been paid and they are reporting an error or a lie!!!

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 2022-03-21 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 submitted a dispute for a bankruptcy that appears on my credit report. The FCRA states that it must be verified by the original creditor. The United States Bankruptcy Court stated it did not verify the information that Experian is reporting. The court also stated it NEVER verifies information. The FCRA also sets maximum times in reporting bankruptcies and not minimums. This item should have been removed. It has been on my credit report for 8 years and hasn't been properly 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 explanation
Consumer complaint received 2022-03-21 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: Open Dealer Exchange, LLC
State: SC

Complaint narrative:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries

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 2022-03-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
my first certified letter along XXXX. and birth certificate/ police report and dipute letter was mailed off on XX/XX/2022 to equifax . Equifax claimed that they never received the certified mail but i received the green card back in the mail with a signature. 

XX/XX/2022 i faxed a copy of all documents again and also i received a receipt of the transaction going thru. i called and equifax said that they didnt receive my birth certificate. 

XX/XX/2022 i faxed another set of copies of all documents again and received another receipt of the transaction going thru. i called equifax again and got the same results. equifax has been costing me time and money by not handling my mail right. i would like to get this matter resolved instead of having to run around and come to find out that they misplacing or throwing my paper work away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: NV

Complaint narrative:
On XXXX, XXXX, 2022 I received XXXX notifications about hard inquiries into my credit file. One was from XXXX, and the other was from XXXX. Ive placed all credit bureaus accounts on freeze and also placed an alert.

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 2022-03-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to speak with XXXX representatives and they refused to remove all negative inquiries off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: SC

Complaint narrative:
I called in to EXPERIAN on XXXX about information that is being reported on my consumer reports as a result of identity theft. This information was disputed on XXXX and I provided proper documents for this information to be deleted per the law 15 USC 1681c-2 within 4 business days. EXPERIAN did an investigation and stated the account was verified. When I called in to get a description of the procedures used to determine the accuracy and completeness of the information that was allegedly verified, I was told by an agent that I had to contact the furnisher and he hung up on me. I called back again and spoke to agent XXXX in the special services department and he stated that he could not provide that to me for privacy purposes. I explained that was against the law and stated that I verified my identity and had a right to get a description of the procedures used to determine the accuracy and completeness of the information that was allegedly verified. The agent then stated he would email me something and he would start another reinvestigation. I told the rep that I had already submitted everything needed per the law and that this information being reported inaccurately is harming my reputation and character and EXPERIAN was invading my right to privacy. I also asked was EXPERIAN a government entity since they call themselves a BUREAU and he stated yes they are and they have the right to report things on my consumer report as soon as I decide to extend credit. This was alarming and completely inaccurate information. I am coming to the CFPB for help since every consumer reporting agency is an elaborate mechanism governed by the BUREAU OF CONSUMER FINANCIAL PROTECTION.

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 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am requesting Capital one to remove this charged off account from my records due to identity theft. I have filed this complained and stated that account was opened due to identity theft. Capital one has advised me that they received payments from XXXXXXXX XXXX  account ending in XXXX which was opened fraudulently under my name as well as from XXXX XXXX. Both XXXXXXXX XXXX and XXXX XXXX  accounts were opened using my identity and fraudulently. Those are not my accounts and all payments that were made from mentioned accounts were fraud. I understand Capital one is matching my contact information, social security number date of birth however I was a victim of Identity theft and this account along with other accounts from XXXX XXXX and XXXX XXXX were opened due to the ID theft and fraudulently. I need Capital one to remove this account and update my records immediately. 

please note the accounts you are referring were opened fraudulently and those aren't mine as well. As previously stated i was a victim of identity theft and during that process there were multiple checking accounts opened with XXXXXXXX XXXX and XXXXXXXX XXXX as well as credit cards. Please remove this capital one account from my records and report accurate information once again those payments that were processed through XXXXXXXX XXXX  or XXXX XXXX  were fraudulent accounts and they are aware of it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello good day! 
The issue that has occurred is that I have several unauthorized inquires reported on to my Transunion credit report and was informed by them, to create a report to remove these unauthorized inquires. 
Both unauthorized inquires were reported on the year of 2021. 
One is titled as " XXXX XXXX  XXXX  '' and the other is titled as " XXXX XXXX ''. 
I've already contacted the banks that left a hard inquiry on my report which led me to contact Transunion where the inquires are shown. Then was instructed to make these actions in order to solve this issue.

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 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Securus J Holdings, LLC
State: PA

Complaint narrative:
I was incarcerated under a alias and upon my release I explained to the facility thats I needed to have the prepaid card put in my given name, the card was placed in the alias name! I made a purchase in my given/birth name and when I inquired about the purchase I was asked who is XXXX XXXX , I responded that it was me! The advisor said they had to lock the card because it was in the name of XXXX XXXX! Theyre the same people ( Me )! I contacted the card company ( jpay ) I was asked to send information and was treated badly! Im just trying to get my money off of the card and be done with them!

Company response to consumer: Closed with explanation