vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: VA

Complaint narrative:
On Saturday, XX/XX/XXXX at XXXX, I received an alert from Experian that a hard inquiry was added to my credit report from XXXX bank in Texas . Additionally, an additional address was added to my personal information, which does not belong to me. I immediately set up a freeze to my credit and additional security alerts. 

On Monday, XX/XX/XXXX, at XXXX, I contacted the Experian credit bureau to dispute this hit to my report. Additionally, I contacted XXXX 's fraud department and reported that this was not me. I also filed a police report with XXXX XXXX, Virginia, where I reside. 

While I do not believe anything has been set up in my name so far, I believe that this was an identity theft or fraud attempt.

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX, AL on XX/XX/XXXX. When I made the purchase I was told that I would have to use Southeast Toyota Finance to obtain financing or they would have to increase the vehicles price. I was ok with going through Southeast Toyota Financing because we had used them before on another vehicle purchase. But the more I think about it the more it bothers me, my husband and I have good credit and we were given a new car rate of 5.49 % which is high in the lending environment today ( or in XXXX of XXXX ). I feel like if we would have been able to use our credit union or shop other banks we could have received a much lower rate. We were pressured into going with a lender who charged a much higher rate than other lenders. They gave me the reason, when I asked, that due to them not getting very many new cars in they would only uses Toyota finance. This is predatory and unfair to consumers. this has resulted in me paying much more for the vehicle I purchased. The rate was never once told to me during this process, everything was signed electronically and went over very fast.

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: Affirm Holdings, Inc
State: OK

Complaint narrative:
XXXX accounts with Affirm on XX/XX/XXXX and XX/XX/XXXX have been opened using my personal information and now are on my credit report as delinquent. I have contacted Affirm ( XXXX ) and have opened cases with them and I have explained to them that this is fraud and not mine but have gotten no where with them. The charges are for XXXX for a trip to XXXX. I have a passport that will prove that I have never been to XXXX nor anyone that I know has gone there. I have found out that who ever has done this is using a very old e-mail of mine ( XXXX ) that is associated with my XXXX account. I have also opened a fraud alert with XXXX. Please advise what other steps I need to take to get this off 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
CB INDIGO/GFXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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: Ocwen Financial Corporation
State: LA

Complaint narrative:
My Mortgage was purchased. PHH Mortgage Services is the service company for my Loan. When I purchased the home through the original mortgage company ( Bank ), I was not required to have flood insurance. The documentation in the closing documents demonstrated the fact that the existing structure, is not affected and is not in the flood plain. 

PHH Mortgage is now stating that I have to have flood insurance. They are threating to force-place flood insurance even though I have supplied the supporting documentation. They will not respond to emails and are heavy handed. 

I do not see how PHH Mortgage can now change requirements or what was agreed upon previously. In making the legal transfer of a right, I do not see how they can now require the flood insurance. If they would have carefully looked at the closing documentation they should have seen that flood insurance was not required.

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: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received XXXX emails about a credit line increase with XXXX XXXX citi bank credit card that I did not make or authorize

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: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I received a {$1500.00} payday loan from CashNetusa. I've made the following payments totaling : {$1000.00} : The balance on the account is {$970.00}. This is a scam. 

XX/XX/2022 Automatic Payment ACH {$260.00} XX/XX/2022 Automatic Payment ACH {$260.00} Paid XX/XX/2022 Automatic Payment ACH {$260.00} Paid XX/XX/2022 Automatic Payment ACH {$260.00} Paid

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 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: NY

Complaint narrative:
Equifax did not fix the problem and Equifax is reporting inaccurate information on my credit report. This XXXX XXXX  XXXX account is not mines and needs to be deleted 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
address was changed to XXXX XXXX XXXX XXXX, Nc XXXX looks like it was changed just recently. This is not 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 2022-03-21 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: GA

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
On XX/XX/2022, I called the XXXX OneMain office to advise our automatic payment would need to be moved from XX/XX/XXXX to XX/XX/XXXX, due to complications with finances after my husband changed jobs. XXXX, the store manager, offered a deferment of principal if we paid the interest portion on XX/XX/XXXX. I accepted the loss mitigation offer and advised that the email on the loan needed to updated to my email and my husband 's email removed. I was advised this happened and then set up the post-dated payment for XX/XX/XXXX. In the past, during calls soliciting new loans, my husband has asked for his cell phone not to be called. On XX/XX/XXXX ( may not be the right date, it was before the XXXX and after the XXXX ), XXXX from the same OneMain office called my husband 's cell phone and asked when we would be making the remainder of the XXXX payment after I had already made the arrangements for the deferment and had the payment for the interest portion post-dated. I advised him then that the phone call was not warranted as I had already called and made arrangements. Then, on XX/XX/XXXX, our interest portion was debited from our account but the confirmation email was sent to the wrong email. This is 3 violations of contact rules in less than 30 days. 

In addition to this, I was lied to in the beginning when we signed the loan and had to correct the person closing the loan. I asked if there were any prepayment penalties for paying off the loan early and was advised there would be none. I clarified by asking if I paid a lump sum, it would be applied to the principal and accrued interest for that month and any fees and the loan would be paid out, right? She advised, no, the lump sum would be applied to payments and extended out. I told her then that is considered a prepayment penalty and then I would not actually be able to pay out the loan whenever I chose. This is a deliberate lie being told to these customers. I don't know if they have since changed their policy, but as far as I know, I was lied to and am trapped in this loan until the term is completed. At the time, I had no choice because I needed the money but I find it unacceptable that they would advise this, especially to people who do not have the knowledge about lending that I do.

Company response to consumer: Closed with non-monetary relief
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: TX

Complaint narrative:
I recently had a credit score of XXXX. In XXXX I paid off my car loan in full ; however, to my surprise Experian dropped my score XXXX POINTS. I called Experian to discuss this matter with a customer service representative. Needless to say, the representative was unable to assist me with answers and the phone conversation was unsurprisingly disconnected, with no callback.. I have worked very hard on raising my credit score by paying all my debts on time and to have it decreased by XXXXPOINTS is mind blowing.. I am sure this happens to many other consumers with no legal explanation, which should be investigated. Please help consumers and investigate these tactics by big credit companies its not fair and makes no sense.. I see why its so hard for certain consumers to live the American Dream

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist bank formally Suntrust received monies to pay off a HELOC account from a refinance. The monies were received over two weeks ago and cashed ( I have a copy of the cashed check back and front ) over week ago and the cash is still not showing on my account looking like I still owe them money. Despite numerous calls to customer service it is not resolved. I need to know where the money was deposited

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation
State: NY

Complaint narrative:
I have an account with Albert, a company in connection with XXXX XXXX. I used them for months without issue and then I started losing deposits. At first it was my direct deposit from my employer and I thought this was a mistake on my payroll provider. Until a week later where I did not a receive a refund deposit from my school either. When trying to reach Albert support was unhelpful. They can only be reached through text and gave me a run around involving what happened to my money, stating that they see know deposits from either. I have deposited money into this account from both multiple times over, this is not a routing number or account number error. Im doubting support even truly has access to accounts, they didnt ask any verifying information about who I was. Im heading in the direction of going to court.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
After the amount owed was removed from my credit, I have received debt collection letter from two other collection agencies... My Personal Health information is being sent from one collection agency to the next, I will report each and every collection agency that tries to contact me after reporting Medical Revenue Services. I did not authorize my information to be passed from one collection agency to the next.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
XX/XX/2019 Ocwen renamed their company/merged their company to a PHHXXXX XXXX Ocwen had been successfully accepting payments every other week per bank account for years prior. 
The " new '' company didn't send any new information for months after their merger, etc, and our payments went into a suspense account. Nothing was being applied, but held and then sent back to us, the homeowner, months late. 
The new company then proceeded with foreclosure action and additional fees. 
We hired 2 attorneys to assist AND a forensic accountant, XXXX XXXX, of XXXX MN. We have tried to get help with a Federal Housing Authority, XXXX XXXX XXXX out of XXXX MN. 

We stopped the foreclosure with an Affidavit of Postponement. 

Then, COVID happened AND This company PHHXXXX REZ refuses to provide COVID 19 protection claiming " we, the homeowners '' were past due in the account. 

This company has sent 10 copies of identical paperwork in print so incredibly small that it is unreadable even with magnification to all the people we've previously worked with. We have had letterhead addressed to XXXX sent to the home address. 

There is so much to upload .....

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: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NH

Complaint narrative:
I have been submitting payments to Sallie Mae. However, they keep sending me letters saying that the Account has not been found. Then, they send me overnight letters stating that my loans are about to default, despite me trying to submit payments. 

If the accounts can not be found, they can not default. If they will not accept payments, they should not be allowed to let the loans default, sell them, and profit off of my suffering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
CREDIT ACCEPTANCE CORPXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On Saturday, XX/XX/XXXX at XXXX, I received an alert from XXXX that a hard inquiry was added to my credit report from USAA bank in Texas XXXX Additionally, an additional address was added to my personal information, which does not belong to me. I immediately set up a freeze to my credit and additional security alerts. 

On Monday, XX/XX/XXXX, at XXXX, I contacted the XXXX credit bureau to dispute this hit to my report. Additionally, I contacted USAA 's fraud department and reported that this was not me. I also filed a police report with XXXX XXXX, Virginia, where I reside. 

While I do not believe anything has been set up in my name so far, I believe that this was an identity theft or fraud attempt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief