vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
XXXX HMDA-LAR Public Disclosures show that XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) operated the XXXXDirect Toxic Subprime Mortgage Loan Origination Boiler-Room utilizing an illegal Two-Tier Mortgage Origination Scheme to Originate Toxic Mortgage Loans which were subsequently securitized into five subprime XXXX RMBS Certificates. Teams of XXXX  Lending Specialists operating the XXXX-Direct Toxic Mortgage Loan Origination Boiler-Room Explicitly-Targeting XXXX XXXX, XXXX, and XXXX Applicants ( and fraudulently utilized the Race Unavailable ( RNA ) Racial category ) ; and XXXX XXXXo XXXX  HMDA-LAR Public Disclosures show that 193,088 Toxic Mortgage Loans with an approximate valuation of $ XXXX were originated using the Two-Tier XXXX Toxic Mortgage Loan origination Scheme. However, this number of toxic Mortgage Loans may haven just the tip of the Iceberg because most of the loans originated by these so-called mortgage brokers were via non-HMDA institution subsidiary : XXXX, which from XXXX through XXXX was the 12th largest subprime lender in the Nation. These so-called XXXX Lending Specialists would initially submit Borrower Loan Applications to XXXX, and if they were denied, they would then submit the same loan application to XXXX  XXXX XXXX XXXX XXXX XXXX ; and if it failed, they would then submit the same application to XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX where it was a certainty to be approved. HMDA-LAR Public Disclosures show that 183,176 loans originated at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and then sold to XXXX. 
Additionally, hundreds of thousands of Toxic Mortgage Loans with an approximate valuation of hundreds of billions of dollars were originated by XXXX non-bank subsidiaries XXXX and its successor : XXXX, and all origination after XXXX were unreported to HMDA-LAR. Both XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX  XXXX have pleaded guilty to " Civil Violations '' related to the $ XXXX XXXX XXXX Lawsuit against XXXX XXXX XXXX XXXX XXXX, and the $ XXXX XXXX RMBS Trust Certificate Fraud, Lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX 
Both of these multi-Billion Dollar Lawsuits settlements included a total of $ XXXX for Consumer Relief Restitution that was to be given to Victims of these Trust Certificate frauds. 
The Department of Justice ( DOJ ) Settlement stated that the " Criminal Investigations '' related to both Frauds were Ongoing and that these " Civil Lawsuit Settlement '' did not grant immunity to either of these Corporations, and Employees of these Corporations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX Capitol One XXXX informed me my account was closed and they would not tell me why told me a check will be mailed to me. On XX/XX/2022 a rep told me my check would be mailed out the same day nothing happened also told me it was going into another account that is not mine. On XX/XX/XXXX nothing has been done spoke to XXXX number XXXX told me they have yet to close my account and i could be looking to XXXX before i see anything. Still, give me no reason why. I feel i should not talk to 3 different memebers and get 3 different answers i have XXXX young girls and now have no money for school lunch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I was approved for HAF ( Homeowners Assistance Fund ) through the Florida DEO. We are approved for 14 monthly payments of mortgage starting in XXXX. As of right now Cardinal states they have received anything from HAF, even though HAF states the check was sent out to the company po box . After calling and speaking to a HAF representative today she stated that Cardinal Financial has been returning many checks to them. It seems that Cardinal is not wanting to work closely with this program which is wrong considering this program would save many people from losing their home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Yestarday i try to made a wire transfer for XXXX they cancel and lock my online acces when i already send a transfer to the same person the other day i call to resolve it but the persons that i talk to say they cant verify me when they call me back to the number register in my profile i rspond the questions that they ask and at the end told me go to a branch and disconect the call for me is complicated to step on a branch because im in XXXX and i cant cross to the USA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: PA

Complaint narrative:
I reached out to Fedloan Servicing in early XX/XX/XXXX after I received a letter in the mail dated XX/XX/XXXX stating I was approved for PSLF ( Public Student Loan Forgiveness ) and that my student loans qualified with the XXXX payment requirement. Since then I've tried getting answers about the total student loan payment count as I've been paying on my Student Loans since XXXX. I was inquiring about any student loan refunds that I would be eligible for. Every time I called to speak to someone at Fedloan Servicing, I received different information. Initially I was told that I would be receiving a refund and then more recently I was told I wouldn't be receiving a refund. I was inquiring about the student loan payments I've made over the XXXX payment requirement for the PSLF. I've read I was eligible for all payments made over the XXXX payment requirement. I also read that I would be eligible for a student loan refund for payments I've made during the COVId Relief starting XX/XX/XXXX. I've made payments on my student loans throughout XX/XX/XXXX and made my final student loan payment in XX/XX/XXXX. I've called both Fedloan Servicing ( the student loan servicer who sent me a letter approving my PSLF ) and I've also reached out to American Education Services ( AES ) who serviced my loans since XXXX and have not received any clear answers from either Federal Loan Servicer. I just want to find out if I will be receiving any refunds either from my over XXXX student loan payments or from the student loan payments I've made since XX/XX/XXXX during the COVId Student Loan Relief period. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
company has failed to do a proper investigation and has not responded to my written requests sent out on XX/XX/XXXX which they received on XX/XX/XXXX all the accounts must be deleted and removed they are in violation of FCRA as well as my consumer rights to right of privacy! They have been on violation of multiple 15 USC 1681 they are also in violation of FCRA section 623 cushion vs trans union corporation us court of appeals for the third circuit court case 115 f.3d 220 XXXX XXXX XXXX, filed ( D.C. No. 95-cv-01743 ) FCRA section 611 part ( A ) ( 1 ) please do a proper investigation this has done actual damages for years with 0 issues being able to be resolved

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 2022-08-19 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: RI

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 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 2022-08-19 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: CA

Complaint narrative:
XXXX REFUSE TO REMOVE TO STUDENT LOANS REPORTING ON MY CREDIT THAT DO NOT BELONG TO ME 1. ACCOUNT XXXX XXXX WHICH HAS BEEN REPORTING FOR OVER 20 YEARS 2. THE SECOND ACCOUNT XXXX XXXX ALSO BEEN ON MY CREDIT REPORT FOR OVER 20 YEARS. THIS IS NOT MY ACCOUNT AND THIS IS INCORRECT REPORTING ACCOUNT NUMBER # XXXX I WAS A VICTIM OF IDENTITY THEF..

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 2022-08-19 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: CA

Complaint narrative:
EXPERIAN REFUSE TO REMOVE TO XXXX XXXX REPORTING ON MY CREDIT THAT DO NOT BELONG TO ME 1. ACCOUNT XXXX XXXX WHICH HAS BEEN REPORTING FOR OVER 20 YEARS 2. THE SECOND ACCOUNT XXXX XXXX ALSO BEEN ON MY CREDIT REPORT FOR OVER 20 YEARS. THIS IS NOT MY ACCOUNT AND THIS IS INCORRECT REPORTING ACCOUNT NUMBER # XXXX I WAS A VICTIM OF IDENTITY THEF..

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 2022-08-19 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:
I recently received a copy of my ( XXXX, XXXX, and TransUnion ) credit report, and I notice some late payments posted on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did i give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2022-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I paid off my account on XX/XX/2022 and had a credit balance. I closed the account on XX/XX/2022, this was confirmed by Comenity in a secure message. I received a statement on XX/XX/2022 stating I owed XXXX in interest charge. I was upset but I was going to pay the {$14.00}. I attempted throughout the next month to pay the {$14.00} but there system and phones were down due to a merge with Bread Financial. I was not able to see the account until I got a phone call saying I now owed {$66.00} due to late fees and interest, although the website stated that all late charges would be waived. I paid the {$14.00} over the phone and advised that I would not be paying anymore because my account was closed, according to them on XX/XX/2022 and I was unable to access any contact with anyone to pay the illegal interest of XXXX. I have copies of all of the messages and account balance. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Report XXXX XXXX XXXX XXXX act # 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.

I did not create any action to overdraw my account... that was created by the issuer for finance charges and fees. If I went over my limit on my own accord the charge would be declined. Since the bank does it then it is accepted and I'm penalized..

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 2022-08-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Report XXXX XXXX XXXX XXXX act # 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.

I did not create any action to overdraw my account... that was created by the issuer for finance charges and fees. If I went over my limit on my own accord the charge would be declined. Since the bank does it then it is accepted and I'm penalized..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 

I did not create the over the limit action on this credit card. It was created by the bank for finance charges and fees. If I had went over the limit on a purchase the charge would have been declined. Since I went over the limit due to the banks fees and interest it goes through and I'm reported for it. That action is completely unfair and is a violation of consumer protection laws.

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 2022-08-19 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: RI

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 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 2022-08-19 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: IL

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-08-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
transunion will not remove the XXXX XXXXXXXX XXXX account from my credit report. i explained to them that the account does not belong on my credit report and that it should be blocked. XXXX  XXXX XXXX refused to work with me to get the account off of my report. they told me they sold it to some third party company, which told me they sent it to XXXX  and XXXX law firm. i called XXXX and XXXX and no one answers the phone. i was only able to get them on the phone twice but they refuse to answer anymore of my calls.

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 2022-08-19 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: ND

Complaint narrative:
I have 1 previous addresses and 3 previous employers that are completely wrong. Also unauthorized inquiries that need to be deleted.There are accounts that are not mine and not late and charged off

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 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I chose closing an account because no other option fits my complaint. I my complaint is regarding a branch manager refusal to allow signers to be removed from an account when the owner and the signers were both present. Truist answered complaint XXXX with a non-answer and untruths. All three people were present to remove signers ( please check your cameras from XX/XX/2022 between XXXX and possibly XXXX. 
Myself and XXXX XXXX came in first with XXXX XXXX XXXX arriving a few minutes later. 
Because XXXX XXXX did not acknowledge responsibility and negligence of branch manager, he also did not offer a resolution. 

See attached letter from bank,

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 2022-08-19 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: IL

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-08-19 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: IL

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: RI

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 604 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