vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 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: MS

Complaint narrative:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. 


I've sent a letter to the bureau on XX/XX/2021. Today 's date is XX/XX/2021 and I have yet received an update. Please update my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
This incident happened at Fulton Bank, XXXX XXXX XXXX - XXXX. We have a business account under name of XXXX XXXX XXXX. 

Check deposit was made in amount of {$150000.00} on Saturday XX/XX/2021. Service Officer/Teller told us that money will be available in 2-3 days i.e. max by Wednesday XX/XX/2021. 

Today when I went to the bank, I was informed that I won't be able to access the funds till Tuesday XX/XX/2021. Service Officer has placed a 7 day hold on the funds and there's no way to access the funds. When I requested to talk to Manager I was told no manager is available and surprisingly 2 Branch Managers have left the bank within last 6 months. 

After couple of hours I received a call from Ms. XXXX XXXX from Fulton Bank who identified her as the Manager - Vice President and informed me there's nothing she can do to help me. I volunteered to provide all the documentation showing the source of funds and also requested that we need to get this hold lifted. Only reply I got was she can provide me a copy of the 7 day hold that was placed on the deposit. 

Below are the concerns/questions that needs to addressed - - Why we were not told about the 7 day hold when we made the deposit? 
- Is it even legal to place a hold for 7 days without we being made aware? 
- Why we didn't receive any mail or electronic communication regarding that hold? 
- Why we were lied about accessing the funds in 2-3 days? 
- When I visited the Branch, why there was no Manager or a Supervisor to address my concern? 

This is a real inconvenient way to do banking when you can't even access our own funds. Please help to resolve this issue and lets make sure no one else suffers like I did. 

Thanks & Regards, XXXX XXXX Owner - 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 2021-08-06 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: FL

Complaint narrative:
THIS IS MY 3RD ATTEMPT TO FIX THIS PROBLEM WITH THE CRDIT REPORTING AGENCY DISREGARDING MY DISPUTE WITH THIS FALSE COLLECTION THE 3 MAJOR BUREAUS HAS NOT FUFILL MY DEMANDS AND DELETED THIS NON VALIDATED COLLECTION ON MY REPORT THAT HAS BEEN MISPLACED, ,THAT HAS BEEN PLACED ON MY CONSUMER CREDIT REPORT, ON XXXX XXXX I SENT 4 CERTIFIED MAIL DOCUMENTED LETTERS TO THE 3 MAJOR BUREAUS AND WHICH THEY HAVE RECIEVED BUT STILL HAS REFUSED TO ADRRESED THE INAACURATE INFORMATION THEY ARE CONTINUING TO REPORT .THIS COLLECTION HAS BEEN REMOVED AND CLOSED BY ONE OF THE MAJOR BUREAUS ( XXXX ) AND XXXX AND EQUIFAX HAS STILL CONTINUE TO VIOLATE MY RIGHTS BY FURNISHING THIS ACOUNT THAT DOES NOT PERTAIN TO ME..I NEED YOU TO KNOW THAT YOU ARE IN VIOLATION AND CAN BE PENALIZED THIS ACCOUNT WAS CLOSED ON XXXX ..YOU ARE INVADING MY PRIVACY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
I'm using Veterans United to buy a house, they want to know whether I'm still working for my employer ( XXXX XXXX XXXX ). The company has a policy about giving that information, they use XXXX, a contractor, Veterans United don't want to go that route because, according to them, they have specific questions they want answered, it is mostly regarding my being furlough during the pandemic. They are set on talking to XXXX HR, but I explained to them they won't get much information, if any, from XXXX HR because of company rules and policies. I gave them a number to HR and explained what a company representative had told me. XXXX will NOT offer any information over the phone, they will only answer YES or NOT to any question from Veterans United without volunteering any specific answers. That's why the company uses XXXX. So this is holding off my progress with closing the transaction with Veterans United and I'm seriously looking at another lender. I tried the VA to file a complaint, but have been unsuccessful. Every time I email or call to get an update on this issue from my loan agents they are always out of the office for a few days, I will get an auto response to my emails saying so, and every call is answered by a voicemail. In my opinion they are stretching this as much as possible for whatever reason and I find it unacceptable.

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 2021-08-06 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: PA

Complaint narrative:
I have sent 2 certified letters to XXXX and Transunion regarding unauthorized inquiries on my credit reports These companies listed by them did not have permissible authority to view my credit report since I am a victim of idently theft However they have not removed those inquires

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 2021-08-06 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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 filed multiple disputes with Equifax regarding fraudulent inquires on my credit report. I have filed disputes in writing, by phone, and online. I have also included a copy of the FTC Identity Theft Report clearly outlining the fraudulent inquires. However Equifax refuses to remove the fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Today is XX/XX/2021. 
LoanCare/XXXX  is my mortgage servicer. They are holding {$7300.00} in escrow funds and are refusing to make a tax disbursement of approx. {$2900.00} that was due on XX/XX/2021. They said this is handled by a 3rd party company called XXXX and they can't control them. I will be charged a late fee from the town and this is holding up my refinance. I will also incur rate lock extension fees as we are waiting for LoanCare to pay my property taxes. I have called 5 times this week with no resolution. Horrible company. I'm sure this is happening to thousands of people across the great state of NJ.

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 2021-08-06 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: MS

Complaint narrative:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. 


I've sent a letter to the bureau on XX/XX/2021. It's XX/XX/2021 and I have yet to receive an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I have a mortgage with Freedom Mortgage and have flood insurance as part of my escrow. The flood maps were updated earlier this year and I am no longer required to have flood insurance. My flood insurance renewal came, and indicated as normal that Freedom Mortgage was going to pay. They did not. I received a cancellation notice on my Flood Insurance, and found that Freedom Mortgage did not and will not pay as " it is no longer required ''. I am fine with that policy, but they did NOT tell me they were not going to pay, and thus my flood policy went into cancellation status.

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 2021-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Two years ago Navient placed me on a plan that Id have to renew every six months with step rate payments. I started off paying around {$180.00} a month and most recently my payments were up to {$240.00} per month. The program allows you to slowly work your way back to the full payment amount which is {$330.00} for my student loan. When I extended the lower payment program in XXXX they advised me to call back after my XX/XX/2021 payment if I still needed the assistance, which I do. I called them today XX/XX/2021 around XXXX and initially spoke to an employee named XXXX who asked me the number of people in my household and my salary, after providing it to her she advised there were no options for me. I asked to be transferred and instead I was hung up on. I called back, XXXX answered once again and this time she transferred me to XXXX employee ID XXXX. I went through my financials advised her my salary is {$3600.00} a month, my expenses are right around {$3600.00} a month, and I have a four person household of which two are my dependents. I only provided her my portion of the bills because my husband takes care of anything I can not afford. I advised her that I could still pay the {$240.00} or even a slight increase to {$260.00} but she stated there are no options available to me and its Lender discretion as to whether they provide you options or not, which to me sounds like they are ELECTING to not help me any further. For two years Ive made payments on time and Ive kept my promise. The lender clearly advised the lower payment options would be available until I made my way to the actual payment amount of {$330.00} and based on my calculations I should have at least 2 more years of lower payments available until I reach the full amount. I have ensured payments were made during covid even though all other student loan companies allowed for deferments Navient would not, and now theyre not even willing to assist a borrower who is trying to do the right thing and is asking for assistance. I would like my loan and case reviewed because Ive been faced with a lot of abusive practices from Navient over the years and I havent complained. Ive received threatening calls and emails, impacts to my credit report even when Ive tried to work with them and now Im facing another issue because I cant pay the full amount, my credit will be impacted again even if I remain paying the lower amount. At this juncture I have no options but to file a complaint with the CFPB. They have at minimum violated the following regulations UDAAP, Fair Lending, and FDCPA and I need someone to look further into my case. I thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I was offered a permanent modification with my first payment due XX/XX/2021 with this payment being made XX/XX/2021 and they posted it XX/XX/2021, there was no payment due for XX/XX/2021, my mortgage company Lakeview AKA XXXX XXXX has continue to report me more than 30 days late for each payment this year. All my payments this year were paid the XXXX of the month or before in the month it was due. I notice the reporting late XXXX early XXXX. I reached out to them and made a dispute. In XXXX they corrected XXXX XXXX XX/XX/2021. On XX/XX/2021 I called them and spoke with XXXX and advise her that XXXX was still being reported as more than 30 days late, she advise dispute was still open and by XXXX they will have an update. As of XX/XX/2021 I received notice from the credit agency stated that not only did they not correct XX/XX/2021 incorrect reporting, but now they have reported XXXX XXXX as late again. On XX/XX/2021 I called spoke with someone name XXXX provided her with details as to why I'm calling she placed me on hold for about 8-10 minutes then disconnected the call ( she did not attempt to call me back ). I called back and spoke with XXXX who advise me he would need to transfer me to Loss Mitigation nothing currently resolved as I have now been on hold for 26 minutes.

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 2021-08-06 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: TX

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon checking my credit report, I noticed a number of fraudulent inquiries. I didnt request credit from the following companies. 

1. XXXX XXXX  XXXX 2. XXXX XXXX. XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX 6.XXXX  XXXX XXXX 7.XXXX  XXXX XXXX XXXX 8. XXXX  XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX 11.XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX Please see FTC report attached. All of the following inquiries are fraudulent!!

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 2021-08-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon checking my credit report, I noticed a number of fraudulent inquiries. I didnt request credit from the following companies. 

1. XXXX XXXX  XXXX 2. XXXX XXXX. XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX  XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX  XXXX XXXX 11.XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX  XXXX 16. XXXX XXXX XXXX XXXX Please see FTC report attached. All of the following inquiries are fraudulent!!

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 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX-XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX-Balance {$0.00} XXXX  XXXX-XXXX-Balance {$310.00} XXXX  XXXX-XXXX-Balance {$5000.00} XXXX-XXXX-Balance {$0.00}

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 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rausch Sturm LLP
State: AZ

Complaint narrative:
Repeated, unwanted and voluminous numbers of phone calls to my cell phone from Rausch Sturm ( located in Wisconsin ). This company has called my cell phone repeatedly and on a daily basis using a myriad of different phone numbers intended to appear from area codes in the XXXX, Texas area. Generally the calls appear in the afternoon, however, today on XX/XX/2021 I had yet another phone call from them with an originating number of ( XXXX  ) XXXX that rang at XXXX which woke me from my sleep and disturbed my peace. 

I do not have any valid, outstanding debt and there is simply no reason for these endless phone calls at any hour of the day, especially at XXXX. 

This debt collector is using unscrupulous methods to contact individuals by hiding behind many different phone numbers with multiple area codes as well, which has an unfortunate effect when I can not simply block one phone number and silence the endless array of phone calls due to the calls originating from alternate phone numbers. 

I have evidence of this call at XXXX and will gladly seek legal representation and file suit against Rausch Sturm if this issue persists, but I am hoping the CFPB will take action against them first.

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 2021-08-06 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: MoneyLion Inc.
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). MoneyLion, Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).

Company response to consumer: Closed with explanation