vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: SC

Complaint narrative:
Again, please refer to case # XXXX. We previously filed this complaint and you contacted the company. It was settled. Now they are doing the same thing again - saying that we did not pay for the wind and hail insurance in a timely manner, which resulted in a lapse in coverage. It was paid. Loancare made the mistake. They admitted the mistake. All parties were happy. Now they are back to square 1 and doing it all over again.

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 2024-04-13 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
This account was charged off on Experian on XX/XX/XXXX and has been updating with charge off status in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the status update is XXXX XXXX and the last payment XX/XX/XXXX, XXXX account charged off On XXXX on XX/XX/XXXX and has been updating with charge off status in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, The status say charge off and the status update is XXXX XXXX there is no payment history on XXXX and the last status update is XX/XX/XXXX XXXX Experian it reports XXXX potenially negative months, on XXXX it reports XXXX potentially XXXX months.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX Bank XXXXAccount Number XXXX XXXX XXXX a copy of my most recent credit 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 explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
Calvary Portfolio Services account # XXXX I am unaware of this debt. I didnt receive proper notification of this debt in order to dispute this debt properly. If you believe that you gave me proper notification as required by federal law, please send me the receipt of the certified mail with my name and signature on it in order to verify that I received proper notification from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Account do not belong to me been a victim of identity theft in the passed. I didnt not get an alert from credit bureaus when this account was initiated to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account was charged off on XXXX on XX/XX/XXXX and has been updating with charge off status in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the status update is XXXX XXXX and the last payment XX/XX/XXXX, XXXXThis account charged off On XXXX on XX/XX/XXXX and has been updating with charge off status in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, The status say charge off and the status update is XXXX XXXX there is no payment history on transunion and the last status update is XX/XX/XXXX XXXX XXXX it reports XXXX potenially negative months, on XXXX it reports XXXX potentially XXXX months.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX Bank XXXXAccount Number XXXX XXXX XXXX a copy of my most recent credit 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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This account was charged off on XXXX on XX/XX/XXXX and has been updating with charge off status in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the status update is XXXX XXXX and the last payment XX/XX/XXXX, XXXXThis account charged off On Equifax on XX/XX/XXXX and has been updating with charge off status in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, The status say charge off and the status update is XXXX XXXX there is no payment history on XXXX and the last status update is XX/XX/XXXX XXXX XXXX it reports XXXX potenially negative months, on Equifax it reports XXXX potentially XXXX months.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX Bank -Account Number XXXX XXXX XXXX a copy of my most recent credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
Credit and profile accessed with locked social and credit freeze.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Credit and profile accessed with locked social and credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
Credit and profile accessed with locked social and credit freeze.

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 2024-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: KEYCORP
State: FL

Complaint narrative:
DEAR XXXX, This was your response from XX/XX/2023 in regard to a compliant that I had submitted.Please find new evidence to support my compliant and desire to have the private loan discharged on the basis that XXXX is the one that serviced me and led me to Laurel Road. It is now my understanding that XXXX is returning the the Federal status and that all of this actually will reverse the response below. Will I soon be able to have my Federal Student Loan, once again serviced through XXXX under my approval for the Borrower Defense decision and decree? 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Is a Servicer to Federal Student Aid You have a network of support to help you succeed with your federal student loan repayment. Find out how Federal Student Aid partners with loan servicers to be here when you need help.

Support You Can Trust You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, or submit a complaint directly to the FSA Ombudsman. 


" Proceeds from your Laurel Road student loan were used to pay off federal and private student loan debt. Please find enclosed a copy of your promissory note for review of the terms and conditions provided with your refinanced loan. Please note, by refinancing, any federal student loans are no longer considered to be federal, and therefore no longer qualify for federal student loan benefits provided by the XXXX XXXX XXXX XXXX XXXX XXXX  ). Additionally, any benefits provided at the sole discretion of any previous private loan lenders are no longer applicable. We strive to make this clear throughout the application process, as noted under Federal Loan Alternatives in the enclosed disclosure : Please note that if you refinance qualifying federal student loans with Laurel Road, you may no longer be eligible for certain benefits or programs and waive your right to future benefits or programs offered on those loans. Please carefully consider your options when refinancing federal student loans and consult XXXX for the most current information. 
If you have any additional questions or concerns, please dont hesitate to contact one of our ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My debit card was compromised on Wednesday, I called pnc who told me they couldnt do anything until the charge was out of pending status. Asked for the card to be reported as fraud. The agent said the charge would be out of pending on Thursday. It was not. It was still in pending as of Friday night. I woke up this morning, Saturday, to find that charge was no longer there and a new charge for XXXX was there instead. The agent never shut my debit card off. So whoever has my information wiped my account out. No I have no money in my account. I went to a local branch this morning they told me they couldnt do anything because the charge was in pending status : called the customer line again and they preceded to apologize for the inconvenience and tell me until its out of pending they cant do anything. Now I can not pay my bills or file my taxes due to the negligence of this. As I told the supervisor today, what happens when the transaction stays in pending status for days like this one did, especially since its the weekend and the bank holds money longer. He said oh yes he didnt think of that and hes sorry there is still nothing he can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I mailed a payment to the company for the XX/XX/2024 payment. They did not receive it. When the account became past due, they failed to notify me. I am set up for online banking with them. They have my email address and my cell phone number. My account was set to " Notify me of change in account status ''. I thought this meant if the account status changed from Current to Delinquent, I would get notified. I received no notifications of any kind. When I called, they claimed that they had called and sent me a notification via USPS mail. They asked me to call other departments to find out about the calls that I NEVER received. As for the USPS mail notice, it was dated XX/XX/2024 and postmarked XX/XX/2024 ( I have copies ). By this time the account was already 30 days past due. As soon as I logged on to make my XXXX  payment, I noticed the March payment had not been posted. I immediately paid the March payment and late charge and the XXXX payment. I then followed up with the company regarding my account being reported as 30 days past due, which dropped my credit score by XXXX points. I requested they correct this and they said " Flagstar will not do that unless it was a bank error ''. I have NEVER had a 30 day late on any account.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reported Identity theft along with consumer law violations to Transunion on multiple occasions including on XX/XX/XXXX and XX/XX/XXXX. They HAVE ILLEGALLY IGNORED AND DISMISSED MY DISPUTES! I plan to initiate a lawsuit against Transunion for violating my consumer rights! I have provided Letters, My ID, Social Security Card, and an Identity theft report showing and proving these violations. TransUnion is in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information , 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy, and FCRA 605B Under 15 U.S.C. 1681c ( 2 ) - Block of information resulting from Identity Theft stating that the bureau MUST Delete Immediately. TransUnion must be held accountable and Remove these items that violate my rights and uphold the consumer laws put forward.

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 2024-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Ive taken my car in on several occasions with XXXX refuses to fix my vehicle. I purchased the car and tire pressure light, engine light, fuses were out, breaks were squeaking. I've taken my car to 2 different dealerships. They refuse to fix issues that have gone in more than 1 time for. The last dealership didnt look at the current issues again, my car stopped in the middle of the intersection I was almost rear ended with my XXXX XXXX XXXX. The break pedal squeaks, brakes squeak bad, gears get stuck, rim is cutting tire from the inside, engine was rattling. The dealer told me no issues refused to look at issues to my car. Threatened to call the police for their loaner. Thats all they were worried about is the loaner. The general manager was rude and unprofessional, cut me off. You pay for a car, you expect the vehicle to work properly. Neither dealership would fix the problems. Its really unfortunate, they hassle and bug for you to buy and once its done, they could care less about the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of Identity Theft. I have submitted a police report and my FTC identity theft affidavit but some creditors keep coming back on my credit report and it is hurting my score 50-100 points every time.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of Identity Theft. I have submitted a police report and my FTC identity theft affidavit but some creditors keep coming back on my credit report and it is hurting my score 50-100 points every time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of Identity Theft. I have submitted a police report and my FTC identity theft affidavit but some creditors keep coming back on my credit report and it is hurting my score XXXX points every time.

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 2024-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXXXX/XX/year>, I want to express how disappointed I am with the company, Sigue because on XX/XX/year>, I made a shipment to XXXX. With a lot of effort, I put this money together to send it to my mother. After I sent it, they kept giving her excuses to not deliver it the money. As the days went by I decided to go to the place where I made the shipment. Still, they no longer answered my call so I spoke to the owner of the business and he told me that he would try to call. Still, after so much time I never received a response from him and I have also tried to call Sigue countless times but the number found on the shipping receipt no longer received calls nor can I leave a message. The truth is, I would greatly appreciate it if someone took the time to help all the affected people because I don't think I'm the only person who had this bad experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I have repeatedly over the course of many months requested a copy of the Purchase Agreement showing that LVNV Funding purchased the alleged debt from XXXX XXXX XXXX. Acct # XXXX ; Amt off : {$860.00} LVNV and Resurgent repeatedly misrepresent " verification '' in their unlawful responses ( including those to the CFPB ) by simply sending laser printed copies of statements without signatures allegedly from the account. This is not what I have requested. This is also not legal " verification '' of the debt. What I have requested ( and what I am entitled to ) is the legal Purchase Agreement to prove to me they have the right to enforce and collect this alleged debt. I wish to see proof they own the account, and review the terms of that Purchase Agreement, to ensure they are using accurate information in their currently unlawful practices. I RENEW MY DEMAND FOR A COPY OF THE PURCHASE AGREEMENT. They understand exactly what I am asking for. Yet the falsely pretend to be responsive to the CFPB by claiming they previously sent " verification '' to me. They have not sent any proof they own this account and have any legal standing to collect upon it. PLEASE DO NOT LET THIS COMPANY CLOSE THIS CASE AGAIN WITHOUT PROVIDING THE ACTUAL PURCHASE AGREEMENT REFERENCED ABOVE. I predict they will again mislead the CFPB unlawfully by claiming they have already " verified '' the debt with simple copies of statements, etc. This does not meet the legal standard to prove they own the debt. They continue to MISLEAD THE CFPB, and many consumers like me with falsified replies that fail to address the VERY SIMPLE REQUEST FOR THEIR PURCHASE AGREEMENT. Their ongoing fraud is a direct violation of the FCRA and FDCPA. I will continue to complain about this company until such time as they send me a copy of their legal Purchase Agreement. Until they prove their ownership of the debt, their negative credit reporting remains illegal and their illegal practices should be investigated. They knowingly engage in this type of fraud routinely as the victimize many consumers. I grant them permission to contact me if they wish for the limited purpose of assisting me in obtaining their Purchase Agreement and deleting their wrongful reporting from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I wasn't giving an extension of my open end credit

Company response to consumer: Closed with explanation