vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In 2017 I was advised by TD Bank that I failed to pay the real estate taxes on my property located in XXXX, New York at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At that time I was told that I owed {$11000.00} in real estate taxes. I was still paying the monthly payment on time in the amount of {$2200.00}. 

Apparently the TD Bank repaid the Real Estate Taxes of {$11000.00}. I repaid the {$11000.00} via a certified check to TD Bank. Meanwhile TD Bank increased my monthly payment to {$2400.00}. I have been paying this {$2400.00} since 2017. Meanwhile the bank sent my case to their attorney to commence a foreclosure proceeding. 
I have been in foreclosure since then. This patently unfair. I am almost XXXX XXXX XXXX and this is cruel and unfair treatment by this bank. I HAVE BEEN MAKING THE MONTHLY PAYMENTS CONSISTENTLY TO THIS BANK. Now they want to steal my property and keep the payments that I have made to them. My attorney has contacted them and she is still waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: MS

Complaint narrative:
Sallie Mae is refusing to grant me a forbearance on my student loan. I recently lost my job and have been pleading for assistance with obtaining a forbearance. They have threatened to report me delinquent to the credit bureaus. I have good credit and any NEGATIVE reporting will drastically affect my credit. 

Sallie Mae is blaming XXXX for having a block/freeze lock on my credit report file and this is the reason they are denying me a forbearance. 

XXXX stated there is no block/freeze on my credit report file!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

The account XXXX XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation. No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? Its been way over 30 days and still no results on any investigation. Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. I thought a CRA had 30 days to complete a full investigation please detail me on why the law has been violated? 

This has been an ongoing issue with no resolution. How is this account even reporting while the United States Bankruptcy Court reports to no one? If you are unable to explain how you obtained this information, please delete it. If you can not provide a letter from the court, or any form of communication showing they validated this, then please delete it.

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 2022-11-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

The account XXXX XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation. No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? Its been way over 30 days and still no results on any investigation. Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. I thought a CRA had 30 days to complete a full investigation please detail me on why the law has been violated? 

This has been an ongoing issue with no resolution. How is this account even reporting while the United States Bankruptcy Court reports to no one? If you are unable to explain how you obtained this information, please delete it. If you can not provide a letter from the court, or any form of communication showing they validated this, then please delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
We were on the process of buying a new home. The construction company XXXX XXXX XXXX XXXX sent our title agency company name on docusign and determined the closing date about two months ago. Two days later we received an email from the title agency which was a spoofed email that we were not aware of. That same email was sent to our realtor too. The spoofed email asked us to wire the deposit money early. This spoofed email knew the exact amount ( around {$180.00} ) with the pennies which matched the exact amount our loan officer had sent us by docusign. Since all the information was right, we didn't suspect. Therefore we did what we were told and wired the money to the given account number.Before the transaction, we called and informed our loan officer and our realtor for confirmation. The loan officer confirmed the number and then we called our bank ( XXXX XXXX ). We asked if the attached escrow account # belonged to the title company. The title company name on the escrow account was exactly the same. After that confirmation with our bank, we wired the money. On the other hand, XXXX XXXX changed the closing date three times. At the closing date we went to the title agency. We found out that we had wired the money to a dfferent account. We filed a wire fraud file with XXXX XXXX. The money was wired to US Bank in XXXX Arizona instead of XXXX XXXX account. We contacted XXXX XXXX XXXX department and they asked the US bank to give them info about that fraud acount and the money wired. They didn't feel any obligation to respond. We had consultation from two lawyers. We contacted local police department. They all pointed to XXXX. Then we filed XXXX form ( wire fraud form ) on XXXX  website and submitted it. We didn't receive any confirmation # from XXXX. When noone got back to us we made a call to FBI.We were told there wasn't a way to track our file. Unfortunately that wasn't any help at all. It's been two months that noone contacted us. We are left all alone. We could not buy a new home. We are now renting. We want to get our money back but don't know how to do it. There must be something that someone can do about it. Our loss is very big and changed our lives. We are seeking for your help. Please help us.

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 2022-11-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the FCRA name of accounts has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited a wad of cash that day at a bank of America ATM. The ATM was counting the amount when it suddenly stopped and I received an ERROR statement on the screen. It stated that this ATM was no longer working, so I needed to call the number on screen so they could help me with this issue. I did so, while still standing in front of the ATM, and they said they could see on their end that what happened was that the ATM jammed. So they would count, and credit me the cash that I deposited. 
They asked if I knew how much cash I deposited and I so no, because I just save up my cash from the tips I make at work ( I get paid in cash only ) and deposit it all at once. I did not count my money that day, because I was in a rush and just needed to deposit it. But it had been what I had made the past couple of weeks. 
I just received a letter from the bank stating that they are closing my case until I provided the XXXX things for them. First and foremost, they need to know the exact amount I deposited. Secondly, they are asking for a printed receipt that states the amount of cash I was depositing. 
Where am I supposed to provide a receipt that states how much cash it was? The ATM never finished processing it, as it jammed, so there was no receipt provided for me from there! 
There are cameras there at the ATM place where they can clearly see me depositing, the ATM jamming, and me calling on the spot and making a claim. All in front of the camera. 
How am I going to just lose all of my earnings because of an ATM misfunction? Is there something I can do about 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 monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX is refusing to grant me a forbearance on my student loan, because TRANSUNION has a block/lock on my credit file. 

I have tried for over a month to have this removed and/or corrected, but each time I call TRANSUNION, I am told there is no block/lock on my credit file, only to call XXXX XXXX back and be told there is!

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 2022-11-28 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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 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 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 2022-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I previously applied for a modification XXXX, 2022, my servicer declined advising not enough income, I re-applied XX/XX/2022, I had XXXX submit all my documents for the 2nd modification on XX/XX/2022, within in 7 days Select Portfolio decline my 2nd modification, & I do not understand why, I added my Child support 0f XXXX Dollars on my 2nd requesting, thinking the additional income would help, m first request took 9 months to process my second request took less than two weeks, this tells me that Select Portfolio is not trying to help me save my home, I am a target I have lost trust with the Servicer, they gave handle my account sloppy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
*XXXX REQUEST* not a duplicate request I've disputed with Transunion over 3 times. I have given them every opportunity to fix the inaccurate information on my credit report. Instead they send false letters stating they investigated when they have not. The following accounts are still errors and they are posting them every month which is against the LAW and against statute limitations XXXX XXXX closed XXXX XXXX reporting it as sold with another company with a balance. Transunion is reporting them every month as an active payment history. Well over the 180 days limitations. Illegal and I can sue them. 

XXXX XXXX- Claim it is sold to another company ( XXXX XXXX XXXX XXXX XXXX showing with a balance every month. Closed on XX/XX/XXXX. Reporting an active payment history balance every month since XXXX. THIS IS ILLEGAL and I have right to sue them. 

While they claim they have verified these accounts. They have never responded or sent me a response to my method of verification letters. 

XXXX XXXX was never given an invite to auction. Was never given a bill of sale but Transunion is continuing to post them with active negative payment history with a balance every month since XXXX. THIS IS ILLEGAL and I can sue them CFPB- you really need to check into this company and make sure they are properly doing there job per E-OSCAR and Metro 2. As they are not. These errors have been on here for years!

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 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had 2 open Capital One credit cards, one was a Walmart credit card, the Walmart card was restricted because of possible fraud. I let my x girlfriend pay some money it to help me out, she paid the whole balance which I didnt know she was going to do, I had her to take that money back to her which took a couple of weeks. We broke up right after that. Thats how my Walmart card was restricted, Capital One then wanted me to prove who I was which I did, then they wanted me to provide my banking information and to prove my address, my electric, cable and phone bills which I provided to them, every time I called they wanted either the same information over and over again, they couldnt find certain records that I sent them, this has been going on for almost a year. I was fed up with this run around so I decided to pay off both cards, I paid off the XXXX card, closed the account but I accidentally paid off more than what it was to pay it off, it was {$580.00} over paid and I asked if they could take the over payment and put it against the balance of the other Capital One card, they told me that they couldnt do that. So I called back again and spoke to a lady for a long time then she told me to wait 3 billing cycles and call back then and I would get my money back. I called and was told that they could not do that. Then I called again and said just write me a check for the overpayment and I would be happy. I was told that they cant give me my money back because the card was restricted and I said so your going to keep my money and the guy said yes we cant give it back to you and it was going to go into the general fund, like the find mass money thing. I am extremely upset that they wont give me my money back, I accidentally overpaid them, its my money why cant I get it back. I have tried to resolve this many times, I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and twice in XXXX but not sure of the dates. Also numerous times in XXXX late XXXX. Thank You and please give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United Consumer Finance, Inc.
State: CT

Complaint narrative:
Since my last complaint they have still yet to unlock my card. Its not my card thats been the problem, its been the card Ive always used to make my payment. Its been in their system. They have completely blocked me for months to make any payment and now have suspended my account to use the XXXX  app for making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: EQUIFAX, INC.
State: AR

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 1 5 USC 1681. 

1. 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 an 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 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 2022-11-28 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:
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 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, 15 U.S.C 1681 Section 602 A States I have the right 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 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 items of information, other than records of conviction of crimes which antedates the report by more than seven years.

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

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