vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I applied for a mortgage with Loan Depot ( or MTH Mortgage ) on XX/XX/2022 and was sent a loan estimate. On XX/XX/2022 I received our closing disclosure and the fees were much higher. I emailed Loan Depot and pointed this discrepancy out and they told me that those were the fees. They would not honor the fees that were quoted on our XX/XX/2022 estimate. We needed to close on the property so we paid the fees at closing. We were required by the builder, XXXX XXXX to use their lender ( Loan Depot or MTH Mortgage ) and opted to use their preferred title company so the fees that were quoted should have been correct since they work with each other on the majority if not all of their home sales. 

Quoted on XX/XX/2022 : Title endorsement fee - {$60.00} Title search fee - {$170.00} Title settlement/closing fee - {$390.00} State Tax/Stamps XXXX not quoted any fee State Transfer tax - {$1700.00} HOA Capital Contribution - {$1000.00} Title owner policy - {$550.00} Charged on XX/XX/2022 Title endorsement fee - {$120.00} Title search fee - {$200.00} Title settlement/closing fee - {$650.00} State tax/stamps - {$1100.00} State Transfer tax - {$2900.00} HOA Capital Contribution XXXX {$1400.00} Title owner policy XXXX {$930.00} We don't feel that we should have to be the difference in what was quoted and what the actual fees were since we were not aware of what these fees would be until Loan Depot sent us the estimate on XX/XX/2022, after we applied for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX has not provided a signed contract between XXXX XXXX XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.

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 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX is fraudulently reporting on my consumer report without written consent. XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX is fraudulently reporting on my consumer report without written consent. XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OR

Complaint narrative:
In early XXXX I deposited approximately {$13000.00} into my personal checking account. This account is with Key Bank in XXXX Oregon. The last4 digits of the account are XXXX. I never touched {$10000.00} of this deposit. Approximately 1 year later I did notice that {$10000.00} was missing from the account. I went to the bank and they suggested that I open another checking account. I complied. Both accounts are still active. I was reimbursed by mail approximately {$620.00}. I returned to the bank and was told that although I hadn '' t written appropriate checks or made large ATM withdrawals I would not be reimbursed the {$10000.00}. no explanation was given. I contacted the FDIC 2 months ago and called them again today XX/XX/XXXX. They suggested the CFPB webpage to file this complaint. I write this complaint with the hope you can assist. I would like to be reimbursed for the {$10000.00}. I have been a customer of Key Bank for over 10 years. The account number for the account that was hacked ends with XXXX. The new checking account end with XXXX. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: NJ

Complaint narrative:
I have sent letter to Transunion over 6 times requesting that they send me proof of verification of Late payments from the DPT EDXXXX with account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. File number XXXX from my investigation results that I received on XX/XX/2022 from Transunion did NOT include proof of VALIDATION. It is the credit bureaus responsibility to ensure accuracy on my consumer profile, this grounds for removal of late payments. Transunion has violated my rights under the 15 USC 1681 section 602a which clearly states 1. I have the right to privacy they have also violated 15 USC 1681 604a section 2 that states a consumer reporting agency CAN NOT furnish any account on my consumer report with out my written consent, I did not consent to anything being reported on my consumer report.

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 2022-09-02 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: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
Credit Acceptance Corporation is known for predatory lending. It has been 7 years since I've had an account with them ( XX/XX/XXXX ), the account is required by law to be removed. Credit Acceptance Corporation is still marking the " Closed '' auto loan as delinquent and has marked up the interest on the account +63 % of what the auto loan was originally for to this date ( XX/XX/XXXX ). I have been removed from any liability with this auto loan by a Arizona Superior Court Judge and will never make a payment on it. Last I checked, it is illegal to keep an item on a credit report forever. As of today it will be going on 7 years with each month a derogatory mark on my credit report. I am ready to go to court and settle this once and for all. 

I have disputed with Credit Acceptance, and all 3 credit bureaus with a response of " Account marked as accurate. '' With whom did they verify with? The creditor who has lost several lawsuits in the XXXX of millions for their credit reporting and predatory lending? That's invalid and doesn't hold water. After this complaint, I suggest that this be reported to the Arizona Attorney General 's Office to hold Credit Acceptance Corporation criminally liable for " Contempt of Court '', which is failing to adhere to the ruling of a sitting Judge.

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 2022-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a car loan with Bank of America that was paid off in XX/XX/XXXX and replaced with a new loan for my new car. The old BofA loan has remained on my credit report. Tried to contact someone at the bank in XX/XX/XXXX multiple times to fix and wound up stuck in automated phone loop getting shifted from dept to dept.

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 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Called Bank of America customer service for over 6 months about monthly fee being charged on my business checking even though linked business brokerage account had sufficient funds to waive fee of {$16.00}. this is happening with several of my business accounts. Customer service said she is not waiving the fee and said the manager will not waive the fee. I summised their website states the fee is waived if at least {$5000.00} average is maintained in the checking account or linked investment account, I upheld my side, they have sqaundered theirs. Numerous escalation attempts at management failed to have a call back nor a resolution. I have spent over 20 hours of phone time over 6 months with no resolution of this matter. Just today, after numerous calls, I finally had the fee waived by another call center however they said the computer has flagged me as no more fee waivers even though it was the banks error over the last 6 months. The bottom line is bank of americaXXXX XXXX associates and managers don't know the products and services they are selling to avoid the monthly fees correctly.

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 2022-09-02 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: TX

Complaint narrative:
This complaint is to inform the CFPB that I am in receipt of the correspondence from Equifax Confirmation # XXXX dated XX/XX/2022 in regards to the former complaint to The CFPB number XXXX submitted on XX/XX/2022. 
The companys reply is unresponsive to my request. 
I specifically requested proof of my consent in relations to the following accounts on my credit report ; THE BANK XXXX XXXX  Partial account number XXXXXXXX XXXX XXXX Partial account number XXXX The Fair credit Reporting Act gives them 30 days to properly respond to a Consumers request. They have until the XXXX of XXXX to properly respond to my original complaint or permanently remove the items from my credit file. 

15 U.S. Code section 6802 - Obligations with respect to disclosures of personal information A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party, any non-public personal information, unless such Financial institution provides or has provided to the Consumer. 

B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the Consumer is given an explanation of how the Consumer can exercise that nondisclosure option. 
XXXX has failed its legal responsibility to protect my privacy by continually stalling to adhere to my request. This is a complete infringement of my right to privacy. 

The GLBA privacy rules, as enforced by the various regulators, generally require : Clear and conspicuous notice of the financial institutions information-sharing policies and practices, including what information it collects and with whom it shares the information. Covered institutions may use a model privacy form published by regulators as a safe harbor. The privacy notice must be provided when a customer relationship is established, and annually thereafter unless the financial institution does not engage in any sharing for which customers have the opportunity to opt out and there have been no changes in policy or practice since the previous privacy notice.4 Providing customers the right to opt out of having their nonpublic personal information shared with nonaffiliated third parties, subject to a number of significant exceptions, including for joint marketing, processing consumer transactions, and service providers. Financial institutions must process opt-outs within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I received a notice today in the mail from Bank of America saying my application for a XXXX XXXX XXXX XXXX XXXX XXXX was denied, however I never applied for one, I know this because I recently applied for a mortgage and I can't apply for anything 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 non-monetary relief
Consumer complaint received 2022-09-02 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: MS

Complaint narrative:
TransUnion has fell to provide the accurate source of information for a public record that appears on my consumer report. TransUnion relies on an inaccurate source for information ; the information source is different from the Bankruptcy itself. TransUnion stated US Bankruptcy XXXX MS verified this public record. I have attached the letter from the bankruptcy court, which in fact does not furnish nor verify public records. Under 15 USC 1681g, it is required for the CRAs to give the accurate source of information. So, that I can properly dispute the information being reported with the source. I requested the information source previously with TransUnion ; in which the information was never provided as requested. TransUnion has stated public records are obtained through a third-party vendor, LCI. 

In a previous CFPB complaint, LCI stated their information source is XXXX XXXX does not furnish nor verify public records. The source for this public record is inaccurate. I did not give TransUnion consent to furnish this public record on my consumer report. TransUnion has invaded my right to privacy. TransUnion has also fell their grave responsibilities under the FCRA.

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 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This complaint is being submitted on behalf of the mortgage borrower by his authorized housing advocate. The attached Qualified Written Request ( QWR ) dated XX/XX/XXXX was mailed to Shellpoint Mortgage Servicing, a division of Newrez ( Shellpoint ), on my behalf. Shellpoint did not acknowledge receiving the QWR within five ( 5 ) business days nor did it provide a response within thirty ( 30 ) business days. The total dismissal of the QWR is a clear violation of the Real Estate Settlement Procedures Act ( RESPA ) 1024.36 Requests for information. 

The second attached QWR dated XX/XX/XXXX was mailed to Shellpoint via certified mail. The U.S.P.S. tracking number XXXX confirms it was delivered on Tuesday, XX/XX/XXXX at XXXXXXXX XXXX. Shellpoint sent me an acknowledgement correspondence on XXXX, XXXX, XXXX. Shellpoint has not provided a response to the QWR, again failing to comply with RESPA 1024.36 Requests for information. My housing advocate had a separate case where Shellpoint also failed to respond to that clients QWR. This potential pattern of practice is concerning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since last year I am trying to correct and delete this repossesion from XXXX XXXX Because is to many inaccuracies been reported by XXXX and XXXX first XXXX XXXX report a balance of XXXX then in a second letter they are reporting to XXXX and XXXX another differnt balance of XXXX and the problem is that if this a charge off both XXXX and XXXX must report a XXXX balance. Trans union is reporting this same account as charge off with a XXXX Balance

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 2022-09-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since last year I am trying to correct and delete this repossesion from XXXX XXXX  Because is to many inaccuracies been reported by XXXX and Experian first XXXX XXXX report a balance of XXXX then in a second letter they are reporting to XXXX and experian another differnt balance of XXXX and the problem is that if this a charge off both Experian and XXXX must report a XXXX balance. XXXX XXXX is reporting this same account as charge off with a XXXX Balance

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 2022-09-02 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is known for predatory lending. It has been 7 years since I've had an account with them ( XX/XX/XXXX ), the account is required by law to be removed. XXXX XXXX XXXX is still marking the " Closed '' auto loan as delinquent and has marked up the interest on the account XXXX % of what the auto loan was originally for to this date ( XX/XX/XXXX ). I have been removed from any liability with this auto loan by a XXXX XXXXXXXX XXXX XXXX and will never make a payment on it. Last I checked, it is illegal to keep an item on a credit report forever. As of today it will be going on 7 years with each month a derogatory mark on my credit report. I am ready to go to court and settle this once and for all. 

I have disputed with XXXX XXXX, and all 3 credit bureaus with a response of " Account marked as accurate. '' With whom did they verify with? The creditor who has lost several lawsuits in the 10s of millions for their credit reporting and predatory lending? That's invalid and doesn't hold water. After this complaint, I suggest that this be reported to the Arizona XXXX XXXX XXXX XXXXXXXX to hold XXXX XXXX XXXX criminally liable for " Contempt of Court '', which is failing to adhere to the ruling of a sitting Judge.

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 2022-09-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is known for predatory lending. It has been 7 years since I've had an account with them ( XX/XX/XXXX ), the account is required by law to be removed. XXXX XXXX XXXX is still marking the " Closed '' auto loan as delinquent and has marked up the interest on the account XXXX % of what the auto loan was originally for to this date ( XX/XX/XXXX ). I have been removed from any liability with this auto loan by a Arizona XXXX XXXX XXXX and will never make a payment on it. Last I checked, it is illegal to keep an item on a credit report forever. As of today it will be going on 7 years with each month a derogatory mark on my credit report. I am ready to go to court and settle this once and for all. 

I have disputed with XXXX XXXX, and all 3 credit bureaus with a response of " Account marked as accurate. '' With whom did they verify with? The creditor who has lost several lawsuits in the 10s of millions for their credit reporting and predatory lending? That's invalid and doesn't hold water. After this complaint, I suggest that this be reported to the Arizona XXXX XXXX XXXX XXXXXXXX to hold XXXX XXXX XXXX criminally liable for " Contempt of Court '', which is failing to adhere to the ruling of a sitting Judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Item has been paid and yet creditor is still reporting it it is now impacting my ability to secure a mortgage

Company response to consumer: Closed with explanation