vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: WV

Complaint narrative:
I entered the forbearance program last year as random cutback and layoffs over covid were affecting my company of emplyment. Later in the year, they cut work force permanently. Loan Depot had approved my program and was very helpful with the process. In the beginning of this year, the servicing went to XXXX about the time I was coming out of the forbearance program. In XXXX, I requested to be remeoved from this program and to start making my normal payments again. I was informed that there was all this new paperwork to fill out to see if I was eligible for the forbearance program after a year of payments in arrear and I could no longer make payments except to certain agents. I filled out the paprwork and offered them a good faith payment to start out. I didnt hear from them again until XXXX, when XXXX XXXX told me they needed more information. I sent the information and attempted to make payment, which was refused by their agent. The next month, a new agent, XXXX XXXX, came in and said they just needed one more piece of information and all was approved to move forward, a statement that I wasnt working any extra income jobs. I provided this and gave her a payment with extra. She then emailed me that I would receive a form to sign and the amount to catch up my payment in the mail. The email also stated to ignore the coming bills demanding full balloon payment from loan depot as these were computer generated. I received one bill that had notarized court intent to forclose my home without full ballon paymenty and reached out since I had not heard from them since XXXX, over a month. I was put with a different person who then said all the paperwork needed to be completely resubmitted and start all over after 7 months of trying to get this situated and make payments, even though they intend to forclose in two weeks and have stalled me from action this long. upon my study, XXXX has been sued multiple times over 20 years for this action and taking houses to flip.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I spoke with an agent at Navient on XX/XX/XXXX about a refund for my loan payments dating back to XX/XX/XXXX. I was given a lot of incorrect information on the call. I stated I only wanted the refund if my loans would not show delinquent status. I was told the refund amount would be {$37000.00} ( which I told the agent wasn't right ). They said I would receive a written letter detailing the refund and correct amount before it was approved. I received no written communication, the refund amount was incorrect, and my loan was marked delinquent. Please review this call and correct my delinquent status, I do not want a refund if my account will be marked delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: IL

Complaint narrative:
I see on my credit report that I owe {$1600.00} but I have no knowledge of ever having any utilities in my name the amount owed is not my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: I.C. System, Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I changed banks, updated my account information online with Ally, they continued to pull from wrong account even after multiple calls to correct. They then instructed me that i would have to make six months payments through moneygram because of their mistakes. Ist payment went through fine. 2nd did not go through even though the money has been verified as received by Ally. This has been going on for three weeks. When i asked to speak with a manager i am told they cant transfer m e, they will call me in three days, they will call me today or they just cant do that at all. Help! This is impacting my credit as well. They keep continuing to try to collect a debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: KY

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: CA

Complaint narrative:
Requested a report from XXXX Consumer Assistance Account : XXXX  XXXX  : Accounts shaded below may be considered Negative accounts XXXX shows this account " Negative '' .. No Data is available for months left blank in the payment history XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I'm very disturbed by the fact that I received a credit card application in my late father 's name from Bank of America when he has been deceased for 40 years! If Bank of America is so hard up for customers that they have to start sending credit card applications to family members loved ones is pretty reprehensible to say the least. After all these years I want to know how and where they found this information and want it completely purged from their systems. I also want a formal apology as well. Bank of America can rest assured that I nor my family will never do business with them in the future. This is truly appalling and all in the name of big business.

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 2022-08-29 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: NC

Complaint narrative:
Im accordance with the fair credit reporting act XXXX  account numbers : ( XXXX XXXX XXXX ) ( XXXX -XXXX  ) XXXX XXXX also using account # XXXX- representing as XXXX XXXX investments ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  ). ( XXXX also using account # XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). ( XXXX- XXXX XXXX XXXXXXXX XXXX  ) ( XXXX. -XXXXt ) all listed has all 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 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I called Citi to discuss my interest rate and options for lowering it. The representative told me I was under " penalty '' for a missed payment and asked why I missed the payment. I asked what the date of the payment was and she informed me it was XX/XX/2020. I replied, the pandemic relief outlined a suspension of CC, mortgage, etc. payments for a time period. That " missed '' payment fell within that time period. I asked if she could give me more information on the missed payment, to which she said, " no, it was over 2 years ago. '' I asked to speak to a supervisor and I was told they are not available. I was told to call back later. I have tried to get this sorted out numerous times with the remedy being more time spent from Citi. In essence, Citi is making it impossible to get any answers or figure out what is going on. They have raised my interest rate and are using an algorithm to make decisions based on inaccurate data and information. 

Citi is using tax payer funded programs coupled with a global pandemic to make more money and keep people in debt longer.

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 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Demand Letter Fraud By their client : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Please take notice that my funds were transferred through means of coercion and under false pretenses all along! 
Attached, please find supportive statements, screenshots, and further evidence.

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 2022-08-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I settle my account Credit card Account with XXXX  XXXX. XXXX  XXXX sent me a letter stating that the account has been settled and no longer action will be taken. All credit companies were notified all credit companies removed The credit card account, but one refused to take it off after sending Equifax a copy of the XXXX  XXXX letter stating it had been settled and the Account is closed. They refused to take the account off stating it was up to there discretion went to take it off. Ive sent several letters and also contacted them by phone and theyre still refusing to remove it. This has been several months that this is been going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( Account, XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( Account, XXXX  Account # XXXX ), has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: KY

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX  account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
In XX/XX/2016 when I was finalizing the process of purchasing my car I conveyed to the sales representative that the interest rate was high. He said, after a few months to a year or so to go to a credit union to refinance the loan. I attempted to do that and was denied multiple times. One of the credit unions told me I didnt earn enough for a refinance yet it was the same amount ( SSDI ) as when I purchased my car. I purchased the car believing that I would be able to refinance the loan as advised by the car salesman to refinance the loan. When that didnt work I called the loan originator, Santander Consumer USA . I was denied a refinance because they dont refinance their loans. Im now beyond three years into the loan unable to take the misleading advice of the sales rep at XXXX XXXX XXXX and having failed at negotiating the APR with the lender as Ive had no late payments and paid on time. Im issuing this complaint today because both the car dealership and the bank ( XXXX, # XXXX ) gave the same misleading and deceptive advice. I believe this is a deceptive tactic which is misleading consumers into believing they can do something they may t be unable to do if theyre or on a fixed income. These practices are discriminating against the XXXX such as myself and imprisoning these consumers due to their misrepresentation in marketing the loans with deceptive business tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
This is a follow up to cfpb complaint XXXX. Ideal Collection Services stated We have already provided the validation which is the name and address of the original creditor and the amount owed in my previous response. We did provide more information then that. We provided the the notice to impose claim, the move out statement, and the signed lease which was signed electronically. Attached, please find a copy the early termination addendum and the signed application. 

Despite my efforts to rectify this matter concerning account with Ideal Collection Services has to date, failed to prove that this account is mine. You have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately. I have documented my correspondence with you, and I have filed complaints with the appropriate authorities since you have not removed this item from my credit report. 
This will serve as your legal notice pursuant to the provisions of federal law, the Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above, including the frivolous reporting of this account to any credit reporting agency. If you fail to heed this notice and if I find that this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company as well as the original creditor for all applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA. 
You are also notified that should any adverse information continue to be placed on my credit reports as a result of this notice, appropriate actions will be taken. Please give this very important matter the attention it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Regarding removal of PMI via a broker price opinion / Appraisal On XX/XX/2022 I was informed by my lender, Freedom Mortgage XXXX ( license number ) that I " don't qualify for a broker price opinion and PMI removal '', even though the home protection act guarantees that I can request PMI removal at any time during the loan ( which is 15 months old ). Current homes ( comps ) in my area are marketed at much higher asking prices which would put my LTV at under 78 %. I am being told that I don't meet seasoning requirements, which, suggest that I am not a " fit borrower '' however, on their own website when I login, I'm offered XXXX XXXXXXXX HELOC " based on my home 's value '' which in and of itself, would allow me to remove PMI. 

That said, I disagree with seasoning requirements which are arbitrary, and are not in step with HPA guidelines. 

REALISTICALLY, comparable homes in my area average XXXX, and my loan is at XXXX. Which would put me at an LTV of XXXX XXXX. They are refusing a broker price opinion ( that I'm willing to pay for ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: AL

Complaint narrative:
I Am a natural person, I Am a living human being. I have rights under 15 USC 1681 : Equifax is governed by 15 USC 1681 ;, and they have violated my rights numerous of times. I Demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy. I did not give Equifax written permission to furnish these accounts. XXXX {$140.00}. XXXX- {$220.00}. XXXX- {$190.00}, XXXX- {$220.00}. XXXX- {$220.00}, XXXX- {$290.00}. XXXX {$290.00}. XXXX {$320.00}. XXXX {$350.00}, XXXX- {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
I have contacted the debt collection agency various times to get an itemized bill and they have not been responsive or have mailed me any type of notice as to why the bill has gone up from the original amount owed.

Company response to consumer: Closed with explanation