vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC
State: MO

Complaint narrative:
Loan Depot in XXXX XXXX  sold my loan to a debt collections company in Texas but did not notify me that this sale would negatively impact my credit report. I have never missed a payment or been late with a payment but the credit bureaus now have been notified that my mortgage loan has been turned over to a debt collector causing my credit score to drop XXXX points. Imagine my shock. Never delinquent, never late and my credit score goes right in the toilet anyway. What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
- Reached out to EDFinancial on XX/XX/2022 to request a refund of payments made since the Cares Act was instated as I made consistent and sometimes large payments toward my loans. 

- EDFinancial stated my request was received on this same phone call on XX/XX/2022 - When asking how long it would take to get my refund/ loans reinstated, I was told six to nine months - When asking if this could be expedited/ expressing my concern since loan payments resume at the beginning of the month, they stated due to the amount of requests, they can not provide any updates or details. 

- Called on XX/XX/2022 to see if there was any update - same answer, no ability to give a status or timeline. 

- Called again today, XX/XX/2022 to check again for an update, zero updates, status of the request shows as active on their end but it could still be a long time per representative. They have no timelines to give.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon review of my credit report, I discovered unauthorized credit inquiries. These unauthorized inquiries concludes that my identity has been compromised which can be very damaging to my credit rating. Please delete these inquiries from my credit report. Failure to do so is a direct violation of my FCRA consumer rights.

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 2022-10-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX General Rev has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX. XXXX, XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX. XXXX, XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand 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 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HOME BANCSHARES, INC.
State: AR

Complaint narrative:
On XX/XX/2022 I submitted an international wire transfer to XXXX XXXX in XXXX, originating from my local bank branch, Centennial Bank in XXXX XXXX, Arkansas. The amount of the wire was {$12000.00}. 
After several days, the beneficiary had not received the funds so I went back to my bank branch to try to trace the funds. At that time we discovered that the account number had not been entered correctly and one or more numbers had been transposed. On XX/XX/2022 my bank submitted an amendment to the wire department with the corrected account number, but by that time the original wire had already been applied to the wrong account and could not be recalled. As a result I have lost over $ XXXX due to this error. 

I recently submitted my claim to FDIC, who referred it onto The Federal Reserve, and they referred me to CFPB as having jurisdiction with this bank institution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06 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 Accounts # - XXXX XXXX # XXXX - XXXX  XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fumish 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 reason.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute with Experian and submitted a letter from the Bankruptcy Court who stated and verified they do not share personal information to third party agencies. I have not given Experian any rights to share my personal information nor have I signed a release to release my information. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor or Court to receive and publish my personal information.

2. The contact information for the Court that provided my personal information 3. The name of the person who verified the item to you and proof of my signature that you had permission to search for my information, publish it and share my personal information. 
4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth and a signature. 
I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

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 2022-10-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX I was a victim of identity theft, an account was opened with XXXX XXXX XXXX in the amount of {$4900.00}. I filed a police report and contacted the business to remove the fraudulent account. I also requested a contract and verification and the business failed to comply. According to section 605B of fair credit reporting they ( XXXX ) is noncompliance.

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 2022-10-06 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: AZ

Complaint narrative:
XXXX XXXX ACCOUNT XXXX MUST REFLECT THE STATEMENT BALANCE OF {$520.00} IT HAS NOT BEEN UPDATED BY THE REPORTING AGENCIES FOR OVER 1 MONTH AND I EXPECT THEM TO EXPEDIATE THE MATTER AND UPDATE AND CORRECT THE LOAN BALANCE AS PER Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

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 2022-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Global lending services has contacted me several times after I told them multiple times to stop calling. They then called my wife and co workers multiple times after they also asked them to stop calling ( multiple times ) last call they made was to my wife on XXXX at XXXX on her phone ( XXXX ) XXXX. I talked to a supervisor and she insisted they wouldnt call anymore but the calls still continue at a harassing rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I was a victim of fraud and my bank, USAA, decided to change my checking account to credit only before they close it permanently by end of XXXX. I had tried to redirect my VA compensation check to a different bank, since my current account is in the negative due to fraud. My check was accidentally deposited in the wrong account and now USAA is refusing to give it to me because the amount went toward the negative balance. I'm a single mom of two kids on a low income and my rent is now overdue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have been trying to correct my name with Equifax for over three years. They refuse to correct my name. It is making it impossible for creditors to pull my credit and I can not get a home now because of this. I am literally homeless and living in my car because Equifax will not correct their systems. I submitted yet another dispute this week on their web portal. Their web portal only asks for " one or more supporting document ( s ). '' I provided the court order. They should need nothing more, but the dispute resolution came back asking for more documents. I called this morning to see if they could correct the existing dispute but they opened another one and now are telling me it will take 30 days to correct the discrepancy. Meanwhile, I still can not get a place to live because of their poor business practices. None of the other credit reporting agencies have given me this kind of trouble and they corrected their records years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I went to my bank, Citizens bank on XXXX XXXX in XXXX PA XXXX and asked them to cash some XXXX bonds I have. I have my accounts with Citizens bank. They refused. I then went to another bank, and was told if I had an account with them, they would cash my bonds. I want Citizens bank to cash my bonds as others banks would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
open account on XX/XX/2022 with a {$30000.00} check i recieved from a lawsuit attorney : XXXX XXXX  XXXX address : XXXX XXXX XXXX, XXXX XXXX, new york XXXX XXXX a few weeks my account was close and i was told by the teller at citi bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX That they couldnt tell me anything, I need to call fraud department for more information. 
I called and was told that they mail me a letter explaining. On XX/XX/2022 the letter stated they took no longer can service my account and they will issue me a official check for the remaining balance of {$12000.00}. I recieved a check on XX/XX/2022 for only {$440.00}. I called and was traffer to multible department telling they not authorize to tell me and hung up on me. I went to the bank and spoke to XXXX XXXX and she had the same problem so i left her my information, I went back a few days and she said that fixed the [ problem and they already send the remaing balance to my address '' already in the mail ''. Its been over a week and i have not recieve not even a email. Im broke and my carnote is pass due. My credit is ruin and i owe {$620.00} cause they cancel my investment. Cost me to be late on my carnote that interest whicb mean more lost. I cant work so thats all the money i had. This has cause me alot of stress, eating one meal a day. I was misled and disrespected too many times and cost me financial lost.

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 monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX ) add a derogatory mark on my credit report per identity IQ. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon review of my credit report, I discovered unauthorized credit inquiries. These unauthorized inquiry concludes that my identity has been compromised which can be very damaging to my credit rating. Please delete this inquiry from my credit report. Failure to do so is a direct violation of my FCRA consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit score was reported to bank as under 800 ( XXXX ) when I applied for a used car loan. There is nothing adverse on my credit report. The same credit reporting companies reported my credit score to me as over XXXX through XXXX and FICO. This faulty report disqualified me from receiving the preferred interest rate on a Used auto loan. This will result in me having to pay {$840.00} more over the 60 month term of this loan.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXX I started disputing a fraudulent account found on my credit report. I have recently filed a lawsuit against the company to stop collection on the fraudulent account and suing for damages and violations of my rights under FDCPA and FCRA. XXXX XXXX XXXX has been provided with the FTC report of Identity theft and police report. They have also been send demand letters for validation of ownership which were ignored. They also ignored a cease and desist to stop collection calls and statements being mailed. I disputed this account with the credit bureaus in XXXX and the account was removed from all 3 reports. Just this month TransUnion has added it back to my report after also being given all documentation showing this account was fraudulent. I am more than happy to also sue TransUnion in Small claims court for failing to remove this account entirely from my report. I have worked very hard over the past few years to remedy my credit score after bankruptcy. I was almost a 700 score when this account was added back on, dropping my score to XXXX, ruining the hard work I had done. I have been fighting trying to get this account marked as fraud with the creditor for 10 months. I am tired, frustrated, and at the end of my rope. My last resort is taking legal action, which I have started, I have no problem adding TransUnion to the suit or filing another. I have had enough dealing with 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 2022-10-06 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: AZ

Complaint narrative:
XXXX XXXX ACCOUNT XXXX MUST REFLECT THE STATEMENT BALANCE OF {$520.00} IT HAS NOT BEEN UPDATED BY THE REPORTING AGENCIES FOR OVER 1 MONTH AND I EXPECT THEM TO EXPEDIATE THE MATTER AND UPDATE AND CORRECT THE LOAN BALANCE AS PER Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

Company response to consumer: Closed with explanation