vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
Okay, flag star bank, had me apply loan modification program, making payments of XXXX in XX/XX/XXXX, for three months trial. I made them they sent me partial claims terms XXXX XXXX with said amount plus3.37500 % interest rate! I sent off after getting it notarized at XXXX XXXX by bank President! I had until XXXX I sent it in XXXX via XXXX XXXX envelope! Now in middle of XXXX Again I received same letter head dated XXXX and said this form had to been done by XXXX. I was confused, I call flagstar, no paper work why this form again with past date XXXX be turn in! Same underwriting of XXXX XXXX, California! NOBODY COULD TELL ME WHY????? I RECEIVED THE PARTIAL CLAIMS FORMS AGAIN! NUMEROUS CALLS, ONE PERSON SAID MAYBE U, OR NOTARY DIDNT DO SOMETHING, SO ON XXXX I CALLED FLAGSTAR TOLD THEM I SIGN PAPER WORK, DURING THE OPEN BUSINESS HOURS XXXX E.S.T. THEY ARE ON C.S.T. THEY TOLD ME THE WERE DOCUMENTED THIS ON COMPUTER BESIDES ALL CALLS ARE RECORD BY THEM! SO I CALLED NEXT DAY XXXX XXXX. WELL I GOT OF HOLD OF XXXX XXXX. IN XXXX, TEXAS TOLD ME THAT PROGRAM EXPIRED ON XXXX XXXX. I ASK WHY Wasn't I informed by flag star staff about this when I was on the phone?? Well we had over XXXX loans amonth, some staff wasn't trained up to par, Now I CALLED every week prior about my status, I was told XXXX XXXX EVERTHING IS OKAY YOUR MAKING THE PAYMENT OF XXXX MONTHLY YOUR GOOD! NOW FLEXI INFORMATION WAS WITH HAVE START THIS ALL OVER AGAIN, I CALLED EVERY WEEK, I WAS TOLD YOUR GOOD, WE HAVE SO MANY, I HAD A LADY XXXX XXXX WHO TILD ME SHE WAS HANDLING MY CASE PERSONALLY! NOW I TRIED TO GET HOLD OF HER, TO NO LUCK, BUT THE PERSON WOULD SAY, YES I SEE HER INPUT ON THE FILE OFF YOUR ACCOUNT, I CALLED XXXX ABOUT MY FILE, I WAS WORRIED ABOUT INTEREST RATE GOING UP, UR PROGRAM WAS APPROVED TODAY, SO ME ASSUMED SAME RATE XXXX XXXX XXXX THAT WOULD BE SAME! I GET IN IT NOW XXXX WITH INTEREST RATE AT4.625 % WITH A XXXX DOLLARS BALLOON PAYMENT AT IN OF LOAN XXXX WHAT HAPPEN IN XXXX WITH SAME BANK IS NOW DOING SAME THING NUMEROUS FORECLOSURES IN THIS AREA BY FLAGSTAR BANK WHICH XXXX XXXX XXXX  XXXX SOLD MY LOAN TO FLAGSTAR WITHOUT NOTIFYING ME PREVIOUS TO SALE? I HAVE UNTIL XXXX, XX/XX/XXXX TO SIGN THIS RIP OFF DEAL OR THEY WIL FORECLOSURE ON ME EVEN THOUGH I BEEN MAKING THE AGREED PAYMENTS, PLEASE HELP ME, I AM TOTALLY SHOCK THEY DID THIS UNFAIR, BUSINESS, PRACTICES WHICH IS WHY UR PROGRAM WAS ESTABLISHED! I LIVE BY A MOUNTAIN MY CELLPHONE DOEST RECEIVE CALLS, BUT MY XXXX XXXX HAS A TEXT ME APP THAT I RECEIVED CALLS, AND GOES TO VOICE MAIL PLEASE LEAVE A MESSAGE NUMBER, EXTENSION GO GRACE OF THE FATHER, AND LORD JESUS CHRIST, HOLY GHOST SPRIT

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 2022-07-14 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In accordance with a fair credit reporting act [ CB/NY & CO XXXX XXXX, XXXX # XXXX, XXXX  XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: NY

Complaint narrative:
In Agreement the Fair Credit Reporting Act XXXX with the Accounts : XXXX. XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights.

By the law under 15 U.S.C 1681 section 602 : states I have a right to privacy & 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Evergreen Moneysource Mortgage Company
State: WA

Complaint narrative:
I XXXX XXXX XXXX, Was victimized by Evergreen home loans, XXXX WA on XX/XX/2022 and XX/XX/2022. 

This company without my consent hired a third party to ran two separate hard inquires on my credit. 
Causing credit damages, possible loan restrictions and risk of personal information being sold /lost to the enemies of the state by unauthorized credit handling. 

Tried numerous times to with Evergreens home loans, their response was that my credit was so low that it wouldn't matter if they had it ran twice. 
I agree, Have a little work to do. 
My personal credit is not for them not to exploit in any manner, verbally or physically.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
My husband and I filed for XXXX  XXXX in 2019. We have the same mortgage ( SLS Loan Servicing company. ) since the bankruptcy started. We have been paying it electronically thru our banking bill pay since the bankruptcy started with my husbands pension. 
XX/XX/XXXX I paid the mortgage as usual and on the XXXX it was deposited back into my checking account. When I called I was told they will no longer accept my electronic check and that it would need to be a mailed check or thru XXXX XXXX XXXX  ( which is expensive ) or I can call and pay the mortgage and pay a {$12.00} ( which is being waived now because of covid but they said but they will start charging it again soon ) they said I can not do the automated pay by phone because its electronic, yet she would ( the customer rep I was speaking with ) take my payment thru debit ( is that not electronic? ) This makes no sense at all to me. They said they will charge me back interest once my bankruptcy is over if I mail a live check and they don't get it in time. They have been accepting my electronic check for the last 2.5 years with not one issue. I don't understand how they can do this ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express Account # XXXX Account # XXXX While reviewing my credit report recently, I noticed you are trying to re age the date of first delinquency for the above listed accounts in my credit report by recently reporting charged off ( C/O ) in the accounts. Please be advised that a CHARGED OFF AND CLOSED ACCOUNT should not have any new payment history or new activity added to it. This is a violation. 

I demand you seize and desist from reporting C/O or any payment in my credit report thereby trying to update the date of first delinquency in a closed/ charged off accounts. 

I demand that you delete all recently added C/O in the above listed alleged account in my credit report with all 3-credit bureau immediately.

According to Fair Credit Reporting Act, all reported information in any consumer report with all 3-credit bureau must be 100 percent accurate. You have been put on notice that you are still reporting inaccurate information in my credit report after reinvestigation. 

Under the Fair Credit Reporting Act, you are in violation. 

Evidence of your reporting C/O in a charged off and closed account is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Chime Financial Inc
State: NJ

Complaint narrative:
XX/XX/2022 at approximately XXXX XXXX in the morning three transactions was made in my Chime account first transaction was a withdrawal of {$400.00} and the second transaction was a withdrawal of {$200.00} and then the third transaction was declined and they were trying to take out {$100.00} and the location was taken out at XXXX XXXX XXXX, XXXX, NJ. 
I contacted chime and they declined my dispute I also have personal friend that also use chime and he was also scammed and they took away from him the total amount was {$700.00} and he received his money back and I also have his proof because he screenshot his dispute number with chime. My dispute was denied thats not fair! Please I need my money back Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1 Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account Account Number : XXXX Please remove it from my credit report. 
6. Validate Account Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/2022 I was given a bill for {$690.00} for an address I did not live in. I told this debit collector that was bothering me to stop and they did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Professional Finance Company XXXXXXXX XXXX XXXXXXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX. {$1600.00}. {$180.00} and {$180.00}. This is not my account. I asked them several times to provide a signed contract or show proof I own the property in question. They declined. I gave them 30 days afforded under the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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:
To whom this may concern, I have called the XXXX XXXX XXXX XXXX Total Loss Department about my account showing in accurate information. I have ask to speak with a manager and/or supervisor and i have been getting the run around for more than a month now. I have an inaccurate reflection of non payment when I been paid up with this bank. the bank closed my GAP without my consent and I have been asking to speak with compliance and they have told me they have no compliance department. I have been charged extra fees from inaccurate readings from there system and I have requested my account closed because it is paid in full. The Total Loss Department for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, is not accurate, and denies any manager involvement about there action or them being compliant on the phone. The absolute worst experience I have had with an AUTO BANK. Im being taking advantage of and I'm being charged for extra when my account is paid in full. THIS IS A BANK, they must have a manager and supervisor and some form of compliance, and they have only stated they will have a manager call back they are busy, well I have never got a callback and they just drag there feet to try n put extra charges on my account. my account is paid already and they are trynna still charge me. THIS BANK IS FRAUDULANT IN MY EYES AND NON- COMPLIANT AND SHOULD NEVER BE TRUSTED!!!

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 2022-07-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Experian 60 days ago. I have not received as response yet and seems as if my disputes being ignored I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately XXXX. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately 4. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted 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 2022-07-14 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: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yer. I feel like I am sadly being take advantage of and being ignored of my disputes. Sections 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2022-07-14 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 ActXXXX XXXX Accounts below have 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 - XXXX XXXXXXXX Account # XXXX XXXX  XX/XX/XXXX : {$360.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$270.00} - XXXX XXXX Account # XXXX XXXX XXXXXX/XX/XXXX : {$490.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$3700.00} - XXXX XXXX  XXXX Account # ; XX/XX/XXXX : {$650.00} - XXXX XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$80000.00} - XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX {$15000.00} - XXXX  Account # XXXX ; XX/XX/XXXX {$3500.00} - XXXX XXXX XXXX  Account # XXXX ; XX/XX/XXXX {$73000.00} - XXXX XXXX Account XXXX XXXX ; XX/XX/XXXX {$360.00} 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

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 2022-07-14 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: GA

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
2 Validate Account XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

4. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my 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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions, 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 a account without my written instructions, 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 a account without my written instructions, 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 a account without my written instructions, 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 a account without my written instructions, 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 a account without my written instructions, 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 a 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 2022-07-14 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: GA

Complaint narrative:
You, the CFPB are not enforcing the law or facts. You know for a fact that the court systems do not report any of their records to the XXXX major credit bureaus, yet instead of reprimanding the credit bureaus and demanding they remove the public record for cause of not being able to validate the information, you are acting as a middleman just passing along complaints and doing nothing about the complaints to protect the consumer 's privacy. This is absurd... what is your purpose if not for the most egregious violation the bureaus can make as the court system is our only legal system and you are allowing the bureaus to run rampant and do what they will in obvious WILLFUL NON COMPLIANCE. 

I have spoken to the clerk of court and confirmed verbally on a recorded line that they never send any information to the bureaus and the bureaus never send information to them and the bureaus never contact the courts to verify personal information such as name, address, social security number and date of birth. 

I demand that the CFPB do its job and cause the public record on my credit report to be deleted. Furthermore in a letter I uploaded I listed the laws that are being violated and my privacy is being violated. 

Act now or I will also see how I can press charges against the CFPB for not doing its job!!!!!! 

My next actions I will have no choice but to file a XXXX and an involuntary bankruptcy against the CFPB and the credit Bureaus.

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