vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 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: MO

Complaint narrative:
Please be advised that as of today as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX ( XX/XX/2022 ) XXXX ( XX/XX/2022 ) * XXXX  XXXX XXXX  XXXX ( XX/XX/2022 ) I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax the right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless they can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries. It is Equifax 's duty to accurately report information and as of now they are not doing that. I look forward to someone resolving this matter with this initial communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
My vehicle was repossessed on XX/XX/19. When I purchased the vehicle the air- conditioning system did not work. The salesman assured me that the problem would be corrected. It never was, the salesman quit the job and the dealership went into new management. The new owners would not work with me on any level.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
Im protected under the no surprise medical bills act. I have XXXX and I was unaware of this debt that was a surprise to both me and my insurance. My medical bills were sold to a debt collector without my consent and my privacy was violated under hippa. The company refused to send me a bill or itemized statement telling me what the debt is and where it came from. I was billed on 2 dates XX/XX/XXXX and my debt was sold XX/XX/XXXX. I was also billed XX/XX/XXXX and sold XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: OR

Complaint narrative:
On or around XXXX, I saw alot of pre-approvals on credit Karma at first I didn't pay it no attention but credit karma kept sending me all sorts of all different pre-approvals telling me that I was pre-approved for credit cards, personal loans and that I can refinance my car. Every day I would see these offers I logged in to check my credit scores. So after a few months of being told I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through credit karma I started telling my whole family about vacations and investments we where going to use these pre-approvals for. So I finally applied on are some time around XXXX  and I got denied for two credit cards and a personal loan. I was distract, I was very angry and I felt decived. I was markted to for months, so credit karma told me that I was pre-approved this was a LIE. I was servely stressed out, I was nauseous for weeks, I had XXXX  so bad I became antisocial. My XXXX  went from XXXX to XXXX now everytime I see pre-approvals I immediately close my phone and shut it off. This has made me so uneasy and XXXX  that i haven't checked my credit as frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I Entered into a forbearance program due to XXXX with my Mortgage company Truist. As the forbearance XXXX started to come to an end I reached out to Truist and informed them I had applied for the SC cares act homeowner rescue program at which time I was advised by one of there home preservation specialist to wait until I had confirmation if I was accepted or not in the program and then call them back and let them know. Instead they immediately moved forward and tried to foreclose on my home. Upon being notified I was accepted into the homeowners program and immediately contacted the the lender at which time a stay was put on the foreclosure until mid XXXX so they could verify and receive the funds. 
I received confirmation that the funds were sent to the lender in the amount of {$23000.00} on XX/XX/XXXX of XXXX Ive tried calling the lender to see if the funds have been applied at which time I was told they have not received the funds yet. I called again in XXXX and asked if they had received the funds yet at which time I was told no they still have not received the funds and it wasnt until yesterday that I got confirmation from them that they did receive the funds and they have notes in their system from XX/XX/XXXX when the funds were received however they have yet to apply them to my account. so in the meantime they have begun the foreclosure process again and I have been getting harassing phone calls as well as process servers showing up to my house calling me trying to serve papers on me. All while The lender has had The funds in their account for over two months and has yet to apply them to bring my account whole instead theyve just sat on them. This constant harassment has brought undue stress and much aggravation to me all because of their inability to do their job and apply the funds in a timely fashion and this isnt the first instance Ive had issues with SunTrust/ Truist XXXX What They are doing is criminal and uncalled for and they need to be held accountable for this

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 2022-11-18 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THEY HAVE ALL VIOLATED MY RIGHTS IN ACORDANCE WITH THE FAIR CREDIT CREIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: IN

Complaint narrative:
My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-11-18 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: IN

Complaint narrative:
My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-11-18 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: IN

Complaint narrative:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My account was closed due to fraudulent activities by Citi Bank. I was out of town and verified all activities but as soon as I deposited my check they closed my account and never sent me my remaining balance. And this has been going on since XXXX XXXX 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 explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Do not trust XXXX XXXX XXXX even if their representations to you are in writing. XXXX XXXX XXXX of XXXX XXXX XXXX filed a lien against me on behalf of American Express. In XX/XX/XXXX, XXXX XXXX XXXX ( on behalf of Amex ) and I agreed to a written settlement, whereby all liens would be released upon payment of the settlement amount. I paid the settlement in full more than 78 days ago. Both Amex and XXXX XXXX XXXX confirmed receipt of the entire settlement payment. However, despite my numerous requests of XXXX XXXX XXXX to file the necessary paperwork to release the lien, they have not done so. It is one excuse after another. As of this morning ( XX/XX/XXXX ) the lien was still effective. 

I want Amex and XXXX XXXX XXXX to file all necessary paperwork with any government entity that is necessary for Amex and XXXX XXXX XXXX to release the lien.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly update or delete all information that is inaccurate, incomplete, or which can not be verified. 

Youre reporting inaccurate and inconsistent late payments. Details are listed below : XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 60 days XX/XX/XXXX - 60 days XX/XX/XXXX - 60 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days

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 2022-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Hello all, My mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX to Ally Bank on XX/XX/XXXX of this year. My mortgage is automatically paid via XXXX a 3rd party service that mails checks on behalf. My mortgage payment is scheduled to be paid several days before the XXXX of the month, as such XXXX received and deposited my XXXX payment on XX/XX/XXXX - see attached voided check for {$4300.00}. XXXX last issued a statement at the beginning of XXXX, no XXXX statement nor do any of the transfer documents mention this XXXX payment. Additionally the loan balance on the XXXX statement is the same as the first statement I got from Ally dated XX/XX/XXXX. This first statement from Ally shows no record of the XXXX payment. I talked to Ally a number of times through the month of XXXX as my mortgage was now past due. Regular payments were made for XXXX and XXXX, but due to the missing XXXX payment they were credited to the previous month. Eventually the 90 day transfer window expired and I had to make an additional emergency payment on XX/XX/XXXX to prevent late fees. On XX/XX/XXXX I spoke with XXXX and they opened a formal investigation. When speaking with Ally they don't care as the account is now current. Months have passed and I really hoped the money would show up in some form but it is obvious that is not the case.

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 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a company reporting inaccurate late payments on my credit report. I reached out to the credit bureau about this on XX/XX/XXXX and they did not reply back. They also have not fixed the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
Please also refer to complaint # XXXX for more info. 

On XX/XX/XXXX HomePoint Mortgage took ownership of our mortgage. On XX/XX/XXXX, the account is noted that taxes are paid in full with XXXX XXXX. They state that in XX/XX/XXXX, prior to selling the mortgage to XXXX XXXX ( effective XX/XX/XXXX ), they sent a tax disbursement to XXXX XXXX of XXXX. XXXX XXXX never received this payment and there are absolutely {$0.00} paid towards our property taxes while Home Point Financial services our mortgage. We are now, one year later dealing with the escrow account deficiencies because over {$3700.00} is missing from our escrow account, that it appears Home Point mismanaged. 

Home Point Financial owes {$3700.00} to XXXX XXXX for our escrow account to fix this error that is causing substantial financial impacts to me and my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
I WENT IN TO XXXX TO USE MY CHECKING ACCOUNT, THE TELLER TELLS ME ITS CLOSED AND WENT TO COLLECTIONS. 

SHE SAID IF I PAY THEM {$180.00} MY ACCOUNT WOULD BE OPEN AGAIN I PAID THE {$180.00} AND SHE SAID " IM SORRY MY SYSTEM IS FROZEN, THERES NOTHING I CAN DO SINCE IT WENT TO COLLECTIONS ' THIS ACCOUNT WAS CHARGED OFF THEN SHE TRICKED ME INTO PAYING THEM MORE MONEY. 

I AM DEMANDING A REFUND OF {$180.00} AS THEY WERE PAID TWICE, THIS IS ILLEGAL AND UNFAIR

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: Gravamen Asset Management Group LLC
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX XXXX & XXXX : XXXX 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 an account without my written instructions.

15 U.S.C 168c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I would like to bring to your attention a scam which is currently underway at an online bank called XXXX XXXX which is owned by Webster Bank. I went to the site, XXXX XXXX XXXX, on, or about, XXXX XXXX, to get a high interest savings account that being advertised. At the time they were offering 2.8 % APY. After the account was opened, I assumed I was getting that return. I was not. 

Now they are advertising 3.75 %. I am receiving 2.127 %. My account says it is a XXXX XXXX savings account. Nowhere in their application process or online do they mention a low interest rate savings account, I was never given any option for a low interest rate account. I clicked the button below the high interest rate offer on their homepage and was lead through the simple process never told I would be getting low interest. 

I have attempted on numerous occasions to call and to send secure messages through their online portal. I have never received any response. 

They should convert my account to the high interest savings and give me retroactive interest to the day I opened the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
There is a company reporting inaccurate late payments on my credit report. I reached out to the credit bureau about this on XX/XX/XXXX and they did not reply back. They also have not fixed the inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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  Account # XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I INHERITED THE PROPERTY. I WENT THROUGH THE PROBATE MATTER JUST AS SPS STATED I NEEDED TO DO. I ASKED FOR PAYOFFS AS THE PAYOFFS EXPIRE EVERY 10 DAYS. MY LOAN IS APPROVED AND WITH THE TITLE COMPANY FOR RECORDING WITH AN UPDATED PAYOFF DEMAND PENDING TO RELEASE THE LOAN TO RECORD. THIS MORNING I SPEAK WITH SPS FOLLOWING UP WITH THE PAYOFF DEMAND AS I WAS ASKED TO PROVIDE AUTHORIZATION AND TRUST DOCUMENTS, WHICH I DID, AND THEY TELL ME THEY SOLD MY HOME. THEY INFORM ME THEY SOLD MY HOME. I ASKED WHY? NO CALLS WERE MADE TELLING US OF THIS SALE DATE, NO NOTICES WERE PLACED ON MY HOME TELLING ME ABOUT A SALE DATE. I HAVE THE FUNDS TO PAY THE LOAN OFF I BEEN WAITING FOR THE UPDATED PAYOFF DEMAND. THE DEMAND I RECEIVED EXPIRED ON THE XXXX OF THIS MONTH AND THE TITLE RECEIVED MY LOAN FOR RECORDING ON THE XXXX OF THIS MONTHS. I HAVE BEEN ASKING FOR AN UPDATED PAYOFF DEMAND AS OF THE XXXX AND I UNDERSTAND IT TAKES TIME TO IMAGE AN AUTHORIZATION AND PROCESS A REQUEST BUT IF THERE WAS A SALE DATE ON THE PROPERTY I SHOULD HAVE BEEN NOTIFIED. SPECIALLY WHEN AN UPDATED PAYOFF DEMAND HAS BEEN REQUESTED. I SHOULD HAVE BEEN INFORMED THERE IS A SALE DATE I WOULD HAVE BOUGHT THE HOUSE AT THE ACTION. NOTHING WAS EVER SENT TO ME ABOUT A TRUSTEE SALE DATE. NOTHING WAS SAID TO ME ABOUT A TRUSTEE SALE DATE. INSTEAD, I WAS BEING ASKED TO SEND THE AUTHORIZATION AND MY TRUST DOCUMENTS OVER AND OVER AND OVER AND OVER. I ASSUME I AM NOW AUTHORIZED AND SO IS MY THIRD PARTY AS NOW THEY JUST INFORMED ME I NEED TO GO THROUGH THE XXXX XXXX DEPARTMENT WITHIN SPS TO OBTAIN THE UPDATED PAYOFF DEMAND AND DISPUTE THE TRUSTEE SALE OF MY FAMILY HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation