vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Bank of America closed my online account access and every time I call and verify my information, they tell me to step inside of a branch to fix my online account XXXX XXXX & I cant do this because Im not in a state with a BofA Branch. My account has been negative and I cant even bring it positive because they wont allow me access into my bank account. This is the 2nd time this has happened to its this Bank in Specific.

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 2022-02-28 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: TX

Complaint narrative:
in accordance with the Fair Reporting Act, XXXX  account # XXXX with XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. Stated I have the rights 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.

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 2022-02-28 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: FL

Complaint narrative:
According to Equifax there is a shopping window when applying for mort

ages. Hwoever, they are showing multiple inquiries and harming my score. Equifax.com/personal/h
elp/credit-scores-inquiries/ : When it comes to credit scores, will I be penalized for shopping around for the best interest rate?

When a lender or compa

ny requests to review your credit reports as part of the loan application process, that request is recorded on your credit reports as a hard inquiry, which may impact your credit scores. However, if you're shopping for certain types of loans, such as a new auto loan or mortgage loan, multiple inquiries for the same purpose within a given period of time will usually be counted as one inquiry for credit scoring purposes. The period of time may vary de
pending on the credit score model ( the method used to calculate the credit score ) used, but it's typically

from 14 to 45 days. This allows you to check different lenders and find the best loan terms for you. All new inquiries will be shown on your credit reports, but only one of the inquiries within a specified window of time will ge
nerally impact your credit scores.

This exception generally does not apply to other types of loans, such as credit cards. If you apply for multiple credit cards, for instance, all inquiries will likely affect your credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: OH

Complaint narrative:
Today XX/XX/22 XXXX ( XXXX ) tried to call Sallie Mae about delaying/skipping my payment for XXXX. When I called I talked to a customer service rep who told me that they recently changed their process for this action. When I said that they didnt notify me about this change she stated that they havent told anyone about the change as it just happened in XXXX. I asked to her transferred to another person and the next lady said the exact same thing, as they havent told any of their customers about this change. Making it harder for borrowers to delay/skip a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: TX

Complaint narrative:
in accordance with the Fair Reporting Act, XXXX account # XXXX with XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. Stated I have the rights 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.

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 2022-02-28 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: MA

Complaint narrative:
On XX/XX/XXXX a hard inquiry was made to Experian by XXXX XXXX XXXX for a credit card. I also noticed a hard inquiry on XX/XX/XXXX. Both were for a credit card. While I am a XXXX XXXXXXXX XXXX customer I did not submit an application for a new credit card on either dates. I called XXXX XXXX XXXXXXXX. They did not see a new credit card account in my name as being opened. They suggested I call Experian to start a dispute. I called Experian and opened a dispute on the hard inquiry. They suggested I go to FTC.gov to submit a report. The FTC.gov site referred me to consumerfinance.gov.

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 2022-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
The issue I am having is with Chrysler Capital. 
I filed for bankruptcy XX/XX/XXXX. I started having issues with my car in XX/XX/XXXX. I went to XXXX XXXX XXXX in XXXX IL to look at a new car. I remember at one point, before going into the finance room, wanting to leave. I felt very pressured but I went though with the loan anyway.

I financed {$29000.00} at 16.29 % interest. I have struggled to pay this loan. I have had to ask for 9 extensions through the course of the last 82 months. I have paid {$26000.00} in interest. I still owe {$12000.00} on the loan. I have paid {$47000.00} on the loan so far. I believe this qualifies as predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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 was received numerous emails from equifax mortgage and XXXX. I have four inquires from Equifax mortgage where somehow they they were able to pull my credit report. They also called my phon numerous times and I had to ask them to remove me from their list. I have no idea what XXXX is. These two companies somehow was able to pull my credit by obtaining my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
spoke to wells fargo. last payment was not 30 days late. on credit report shows 30 day late.

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 2022-02-28 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: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX, my mortgage loan was transferred from XXXX to Mr. Cooper. I was not made aware of this transfer. 
On XX/XX/XXXX, I utilized bill pay via my XXXX XXXX account to pay the XXXX payment to XXXX Mortgage for {$2100.00}. 
My XXXX statement from Mr. Cooper came to me showing that I had missed XXXX 's payment. 
Since XXXX, I have been working with Mr. Cooper, XXXX to resolve this problem. 
I was told by Mr. Cooper that they would work to retrieve my XXXX payment from XXXX. I worked with XXXX and Mr. Copper for months to resolve this issue. XXXX stated that they did not receive the payment, however, my bank records show that they cashed the check received by XXXX XXXX XXXX pay in XX/XX/XXXX. 
On XX/XX/XXXX, I see that my credit score dropped almost XXXX points. I called Mr. Cooper and was told that since XXXX told them that they did not have the money for XXXX 's payment, there is nothing that they can do! That day, I paid Mr. Cooper the XXXX payment and started working with XXXX XXXX with Mr. Cooper. Her number is XXXX XXXX I gave her documentation from my bank that proves that the XXXX payment was cashed by XXXX and she was going to submit that to her supervisor to look to resolve the issue with my credit score. Nothing has been resolved. I was told during this entire time by Mr. Cooper that my credit score would not be affected but it has and this is not my doing. 
I need help please. How can I get this issue resolved ASAP with my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CORELOGIC INC
State: GA

Complaint narrative:
I was received numerous emails from XXXX XXXX and Credco. I have XXXX inquires from XXXX mortgage where somehow they they were able to pull my credit report. They also called my phon numerous times and I had to ask them to remove me from their list. I have no idea what Credco is. These two companies somehow was able to pull my credit by obtaining my social security number.

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 2022-02-28 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I already recently filed a complaint against Exeter XXXX regarding my balance still appears to be {$4300.00} for some time now. So when I made my payment this past XXXX on XX/XX/XXXX of {$210.00}, I'd informed them of the complaint filed and the reason. Well the next day XX/XX/XXXX, I received an alert from XXXX XXXX informing me that there had been a change. So when I go look to see what was going on, Exeter had dropped my score a whopping XXXX points! Going back to XXXX of XXXX! Also this balance is not correct. I should now owe {$3800.00} from XXXX months ago to this date .They as well updated my payment status on XX/XX/XXXX, and the amount as I've stated stayed at {$4300.00}! And when I made my payment this past XXXX, I asked what would now be my balance? XXXX  declined but stated that I could call back the next day for that status update, knowing that it would be Saturday! Now they are saying the balance is {$470.00}. So something is definitely off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
I called XXXX XXXX XXXX, as i received a court notice in the mail. As soon as i notice the court notice i reached out immediately. When i called i spoke with a XXXX She said this was from XXXX and XXXX This was the first time i was notified of any debt with there office. she gave me XXXX options to either pay XXXX XXXX and something in XXXX payments or have my day in court. I wasn't even given the payment arrangement option so i asked her if that was an option and was told yes, what can you do I explained i can pay {$50.00} a month until i looked into why my insurance never covered my visits. XXXX refuse to take my payment arrangement because it would take a year to pay off and told me to call her back later or come to court and deal with the court. She refused to take my payment arrangement. I asked for the office manager XXXX times and after the XXXX time she told me she was the office manager and still refused to help me. ( XXXX stated the call was recorded so i am sure they can verify my statement above through the recording ) XXXX  was extremely unprofessional and rude and told me she didn't have time to argue with me at XXXX ; XXXX in the morning on XXXX ( XX/XX/XXXX ). i wasnt arguing anything but trying to explain to her thats what i can afford a month and she refused payment and to help me. she told me to speak with attorny at a later time or call back in the afternoon. Again she refused the payment arrangement. It was such an unprofessional conversation on her part. Again I have had ZERO communication from them. I had to XXXX the name i received when i called the court to find out why i had a letter from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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:
My name is XXXX XXXX and I am personally submitting this dispute. Please see attachments which will explain my complaint and verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
Due to covid I lost my job and went into forbearance program with flagstar bank my mortgage bank, after I start working again I applied and was approved for streamline loan, I paid XXXX months what's called trial, after XXXX months I got the paperwork to fill out sign and noterize, did it all send it in took a picture from the tracking number, called them and a representative confirmed with me that they got the documents on XX/XX/2002, after a while I still got emails and calls about the documents, I called back and start getting the run around somebody will call me blah blah blah .... The only calls I got was harassment about when I can start paying the mortgage ( old balance ) and every time I told them I sent in the papers and I'm waiting the account to be updated, I called back after a week and they said well they don't know what happend with the documents they going to send a mobile notarization, she came down filled out the papers again, she provided me with a tracking number and after a few days I checked with the bank after transferring me XXXX times they confirmed that yes they received it on XX/XX/XXXX, and of that week I received a latter that my loss mitigation file has been closed because they haven't received the necessary documents to complete the modification, called them being on hold for hours nobody is available to speak to me, they can have someone call me back, which we know from experience that it doesn't happen, and that's where I'm right now.

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 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
ARS collection agency, has been notified by XXXX XXXXXXXX that the charges {$160.00} on XXXX occasions were processed and paid through XXXX. XXXX continues to try and collect and refuses to remove debt from credit report after letter of eligibility has been sent numerous times and told can not collect on debt that is unlawfully.

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The irs notified me that i would be getting a refund check on XX/XX/XXXX i called andverify with the XXXX tha the funds have been sent byt the XXXX to the bank we verified everything was correct the back is saying they never recieved the funds. keep getting people just repeatng that it take up to XXXX hours to post the funds but the deposit date was XX/XX/XXXX it is now XX/XX/XXXX. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I contacted Ford Motor Credit Company to explain my financial hardship with making loan payments. I work in the auto industry and due to issues with filing for unemployment and due to chip shortage, I was having difficulty meeting financial commitments. The Ford Motor Credit representative told me they could give me XXXX months to get back on my feet and would move those XXXX payments ( XXXX, XXXX, XXXX ) to the end of my loan period. So, my next payment should have been due XX/XX/XXXX. 
Thankfully, my employer had just paid out profit sharing on Friday, XX/XX/XXXX so I would be able to get current. 

Unfortunately, I discovered my car had been repossessed the morning of Sunday, XX/XX/XXXX Contrary to my agreement with Ford Motor Credit. I contacted the agency today, XX/XX/XXXX, and was told I would have to pay the {$320.00} towing fee and another fee of {$310.00} for something else as well as bring my loan current to get my car back. 

Ford Motor Credit representative lied to me and when I tried explaining that to the representative I spoke with today, I was told that I was wrong about my conversation in XXXX ( which I disagree with ) and I have no choice but to pay the extra fees in order to get my car back, that they shouldn't have taken in the first place. Since they have possession of my car and I can't get to work without my car, I have no recourse but to pay money I don't feel I owe. Companies shouldn't be able to lie to people in the first place and then charge them XXXX fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28 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:
Transunion 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. 


These companies have illegally obtained and used my information inaccurately and refuses to investigate these errors thoroughly.

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 2022-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The credit card was opened in my name when I in fact have not made any purchases in the last 3 months or more from this company Best Buy XXXX credit card : I received a bill and a new card that needed to be activated. 

2 transactions XX/XX/2022 for {$540.00}, XX/XX/2022 for a total of XXXX I called them and they closed my account and pushed it through to the fraud investigation team.

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