vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I AM MAKING THIS COMPLAINT AGAINST CHEXSYSTEMS for furnishing inaccurate information to my consumer report. It is imperative that ChexSystems always has the most accurate information in my credit file at all times. By furnishing these inaccuracies, ChexSystems is in direct violation of 15 USC 1681b ( a ) ( 2 ) because ChexSystems has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. Please delete the following inaccurate addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, LA XXXX. Please delete the following inquiries as well, since no consent is identity theft. I never gave any of these companies or Chex Systems permission to furnish these fraudulent inquiries. I DID NOT AUTHORIZE, BENEFIT FROM, NOR CONSENT TO THE FOLLOWING INQUIRIES : 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 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

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 2022-07-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are 19 total inquiries on my transunion credit file that I was told were removed by them but there still showing I havent applied for any credit from any of these 19 companies

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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have 1 employer that is incorrect and 2 previous adresses that are incorrect that need to be deleted. Several inquiries that I did not authorize that need to be deleted. I also have several accounts that are not mine and one that I was never late on and one account i want to validate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
We received a payoff amount in XXXX. I sold my property and closed escrow XX/XX/XXXX. The Money Source ( TMS ) was paid off a few days after XX/XX/XXXX. PRIOR to the payoff, TMS auto debited me {$1600.00} XXXX for XXXX 's payment. This was an error since I paid the property off and no XXXX payment was due. TMS sent me a check for the refund on my escrow account for taxes and insurance, however, has not sent me the {$1600.00} extra payment. I was told I should have received the {$1600.00} by XXXX. It is now XX/XX/XXXX and I called and asked where the payment is. They had no idea what I was talking about and had to open up another case and said they would get back to me no later than XX/XX/XXXX. So it went from receiving my payment no later than XXXX, to they will let me know the most current status no later than XX/XX/XXXX. This company has been holding onto my funds for 6 weeks now and last I called they knew nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: BOEING EMPLOYEES' CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX in XXXX, Washington ( financed through a BECU loan ). I was under the impression that there was a 30-day grace period to switch my car insurance over from my old vehicle to my new vehicle. Despite this, I forgot to switch my insurance over. 


On XX/XX/XXXX, BECU sent me a letter stating that I need to provide proof of car insurance. 


On XX/XX/XXXX, I received the aforementioned letter in the mail. 


On XX/XX/XXXX, realizing my error, I contacted my car insurance company ( XXXX XXXX ) to switch over my car insurance from my old car to my new car. 


On XX/XX/XXXX, I received another letter from BECU stating that they will purchase lapse insurance on my behalf for {$700.00} for the period XX/XX/XXXX to XX/XX/XXXX and add this money to my loan balance. The letter states that I must provide evidence of coverage for this period or I would be charged {$700.00}. 


I asked my insurance company if it was possible to obtain coverage for this period, but they said it was not possible after the fact. 


On XX/XX/XXXX, I called BECU and spoke with XXXX and XXXX in the Loss Management Department at BECU about the {$700.00} charge. I was upset that I was charged so much money for 2 months of insurance. I asked that they provide me with a receipt showing why 2 months of insurance cost {$700.00}, when my insurance with XXXX XXXX cost around XXXX XXXX/month. XXXX told me that BECU would mail me the receipt. After waiting for many months, I never received this receipt. Please note that I have a secure locking mailbox, so it is not possible that the receipt was stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX reported two account to the credit bureaus for monies I dont owe, these accounts are over XXXX XXXX XXXX. These accounts were removed once and the credit bureaus Experian, XXXX and XXXX has allowed this debt collection company to report these accounts again which violates my right as a consumer. Medical data is a juke buying debt company and XXXX owe them nothing. These accounts are not legit and I want them off. I will be contacting me an attorney if these accounts are not completely removed from Experian, XXXX and XXXX credit file 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 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank purchased my conventional mortgage from the originator. I was notified from the originator that Fifth Third would now be servicing my mortgage, so make future payments to them. 
My first issue was with setting up automated payments. Fifth Third does not offer an electronic way to do this ( I don't have any other accounts at Fifth Third, only my mortgage ). I had to print a PDF form, fill it out by hand and mail it it. There was also no promise this process would be done by the time my next payment was due. This is a completely unacceptable process for a bank the size of Fifth Third and in the year 2022, as every other mortgage servicer makes setting up automatic payments a quick and easy online process. 
After having my auto-payments set up and my first few payments made, I have now received and email from Fifth Third stating " We're reaching out to let you know that your account ending in XXXX requires prompt attention ''. I should not be receiving this email, as I'm current on payments and have no other issues. When attempting to contact Fifth Third, I have run into difficulties. There is no email for customer support, the chat functionality on their online banking site doesn't work as I haven't received a reply and the current wait for a phone call is over 30 minutes. All completely unacceptable customer support actions. 
I would love nothing more than having my mortgage transferred to a capable servicer with actual customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : 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 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

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 2022-07-18 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
SunTrust Bank date of vehicle loan origination XX/XX/XXXX in the amount of XXXX. 
Loan paid off by XXXX XXXX XXXX in the amount of {$41000.00} on XXXXOverpayment letter from SunTrust Bank in the amount of {$19.00} check # XXXX on XX/XX/XXXX. 
SunTrust provided me a printout of my account in the transaction section showing account was paid off on XX/XX/XXXX, XXXX XX/XX/XXXX, Truist Bank mailed me a letter to notify me that they provided the appropriate party with a release of interest document as required by the State as a result of the contract being paid in full. In reviewing my XXXX credit report, SunTrust is showing a open balance amount of {$41000.00}. Since SunTrust merged with Truist Bank and the last document I received was from Truist I went to discuss this matter of concern on XX/XX/XXXX, with XXXX XXXX, Relationship Banker at Truist at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX contacted the loan dept for paid-out loans and was informed that Truist reports quarterly to the credit bureau XXXX They were not able to give a definite date as to when the credit bureau would be contacted, and the loan amount would be removed as paid in full and closed. On XX/XX/XXXX, I spoke to XXXX XXXX XXXX XXXX Banker at XXXX XXXX XXXX XXXX XXXX XXXX, NC. He stated that he would file an in-house complaint. As of XX/XX/XXXX, the open balance of {$41000.00} remains to show on my XXXX account with no resolution from Truist 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 2022-07-18 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: SC

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed XXXX {$520.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$270.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$3900.00}

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 2022-07-18 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Pulled credit placed credit inquiries on credit reports I didnt apply for credit

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 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I was in XXXX XXXX from XX/XX/XXXX until the morning of XX/XX/XXXX, and my debit card was stolen. I didnt realize that my card was missing until XX/XX/XXXX afternoon. By that time, someone used my debit card in over a dozen locations, totaling over {$1100.00} dollars spent in less than 24 hours. They didnt have my pin and were using it like a debit card, Valley had no internal controls in place and never froze the card or blocked a transaction. When I called to dispute, I received a letter 10 days later from XXXX XXXX stating that my statements were inconsistent and that I can call back to appeal. Over a month since the letter has passed, I tried calling her hundreds of times and always go straight to voicemail. I am disgusted by the customer care at this bank, I am XXXX XXXX XXXX and had an account with them since I was an XXXX and this is my first ever dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18 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: SC

Complaint narrative:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on these accounts. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and were flagged as being past due. The disputed accounts are listed below. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: SC

Complaint narrative:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on these accounts. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and were flagged as being past due. The disputed accounts are listed below. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX XXXX Balance Owed : {$1300.00}

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 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WAFD BANK
State: AZ

Complaint narrative:
*I was unable to locate my previous complaint filed on XX/XX/22 and I was just trying to add to it and not file an entirely new complaint - but never received an email so not sure if it went through* WaFd bank purchased my mortgage around XX/XX/22. Since then it has been difficult to make a payment. We had to set up autopay, which included several phone calls and filing an official ticket, for whatever reason this was not an easy process online. After that we were trying to make a one time payment for the first two mortgage payments that we owed this lender and we were told by at least two separate people that we could not make a one time payment online or over the phone that we had to go to a branch. Unfortunately we could not go to a branch. I've never had this difficult of a time to make a payment. Then the last time we called we were told to just wait for autopay which then took out 3 payments ( over XXXX ) over 3 days to get us caught up. I thought that was the end of the ordeal, but we just figured out that WaFd reported the late payments to the credit agencies and it hit our credit scores. This was reported by WaFd on XX/XX/22, which was within the 60 day grace period that we had after WaFd purchased our mortgage which would've ended on XX/XX/22.

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 2022-07-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-18 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Date : XX/XX/XXXX To : To Whom it May Concern Consumer Financial Protection Bureau Subject : Requesting an update to my credit report In XX/XX/XXXX, my home loan with XXXXShellpoint Mortgage Company went into an 18-month forbearance. That forbearance ended on XX/XX/XXXX. In order to be proactive, I contacted my point of contact ( POC ) on XX/XX/XXXX as instructed to begin the deferral process. The POC submitted my request and I waited for a response. Waiting for a response took longer than we anticipated ; however the deferral was granted on XX/XX/XXXX. The problem for me began when I checked my credit score on XX/XX/XXXX and saw a SIGNIFICANT drop ( roughly XXXX points ) due to a payment being reported missed/30-59 days late. 

I spoke with a representative on XX/XX/XXXX and she stated that I missed a payment ( {$1200.00} ) in XX/XX/XXXX. I tried to explain my forbearance/deferral situation to no avail. After getting off the phone in frustration, I continued my investigation and remembered that due to the forbearance ending in XXXX, I made a payment in XXXX thinking that would keep me current. I spoke with another representative on XX/XX/XXXX between XXXX and XXXX and she advised me that my XXXX payment was applied to my XX/XX/XXXX statement instead of XX/XX/XXXX, leaving XXXX unpaid. The representative stated it was the delay in the approval of the deferment that caused this and suggested I write a complaint letter to open an investigation in order to have this corrected. 

My credit score and history is EXTREMLEY important to me and it was my belief that the forbearance/deferral process would not negatively affect my credit. I would like to request an update to my credit report due to the delay in my deferral process. Thank you for you attention to this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
There is two current issues with this Homepoint financial mortagage company. First there are reporting I owe them XXXX to the credit bureaus I do not owe them this amount I owe less. This has affected my credit. Second issue is they are trying to force escrows on my mortgage account and trying to charge me for taxes that I already paid myself I sent them the receipt. This is predatory lending practice.

Company response to consumer: Closed with explanation