vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: AZ

Complaint narrative:
This is an extraction of the letter I sent to the cmg financial after hours on the phone and no resolution. 

My payment of {$1000.00} made in XXXX of 2021 has not been applied to my mortgage account. I have spent hours on the phone with your associate who have not found the payment nor applied the funds to my account. I have provided bank statements showing proof of the payment. Additionally I have canceled the payment through my bank. My bank initially credited the payment, then your company claimed it was a legit payment and refused to refund the payment. Your accounting office has been worthless and unable to aid in this process. 
I am attaching proof of the payment. You will notice that the account number is different than I currently have. This is because my mortgage was sold to your company and that was the account number I was given by your companies representative. I will provide proof of that call from my call logs prior to court proceedings. I suspect this is why the payment was not originally applied to my account. However after over 5 hours of phone calls and emails with account representatives and supervisors with your company I would expect the problem should be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: AL

Complaint narrative:
I AM A VICTIMOF IDENTITY THEFT. I WAS TRYING TO BUY A HOUSE AND MY REALTOR INFORMED ME OF ALL OF THESE FAKE ACCOUNTS. THEY ARE RUINING MY LIFE. I AM GOING BROKE RENTING. I REALLY NEED HELP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE. ILL MAKE SURE TO MONITOR MY CREDIT PROFILE FOR NOW ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: MI

Complaint narrative:
I bought a new car in XX/XX/2021 and I went to one dealership and bought the car. XXXX and XXXX gave me one hard inquiry about the car I bought on XX/XX/2021. However Trans Union record it has XXXXour or five inquiries on XX/XX/XXXX for the one vehicle I bought I contacted them and told them that should count as one inquiry because it was to buy a new vehicle and I only went to one dealership as XXXX and XXXX agree. They refused to remove the inquiries even though they all was for XXXX item. This is not right what if I bought a house. XX/XX/XXXX inquiries should be one inquiry not 4or5. Thank you for your attention to this matter.

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 2022-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CONTOUR MORTGAGE CORPORATION
State: NY

Complaint narrative:
I submitted my completed application on XX/XX/XXXX and sent it over to XXXX XXXX of Contour Mortgage on the same day. He did not confirm receipt however, he messaged me on XX/XX/XXXX to let me know that I need to submit additional information. I did and did not hear back from him until I reached out on XX/XX/XXXX and I stated " Hi XXXX- I hope you enjoyed your weekend! I just wanted to follow-up here since its been about thirty days since I submitted my application. I was wondering if you can provide an update on status. '' It was only then that they sent me additional conditions and document requests. This continued where it was radio silence for months until I reached out. If they needed additional documents, I wouldn't have known until I reached out. I provide the documents within 24 hours and still no confirmation of receipt or anything. 

XXXX XXXX also participated in deceptive practices. When he was looking to get my business, he said it would be a quick and easy process and he had recently closed a similar situation. He also lead me to believe that he would be able to refinance the home and process a HELOC loan. Unaware to me that they actually DO NOT offer HELOCs and i would have to go somewhere else to do this. This was not disclosed to me until now as we are closing. 

Now that I am closing, they have me backdating the documents. I received them on XX/XX/XXXX however the date on the documents are XX/XX/XXXX. It took over four months to close with no communication as to why it is taking so long. Now my interest rate has increased almost identical to what it is on my current mortgage however, I don't have the time to go through this process all over again. 

I strongly suggest an audit on their practices as I feel they are deceiving their customers to gain business and extend the process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: GA

Complaint narrative:
The account listed on my Equifax credit file as being owned by XXXX XXXX XXXX, Account # XXXX should not be reporting to my credit file. It was previously reported under the original company as XXXX and DELETED due to fraud. This is a reinsertion of a fraudulent file and should be removed immediately. I have brought this to a representatives attention but have not received a response in a timely manner regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: AL

Complaint narrative:
I AM A VICTIMOF IDENTITY THEFT. I WAS TRYING TO BUY A HOUSE AND MY REALTOR INFORMED ME OF ALL OF THESE FAKE ACCOUNTS. THEY ARE RUINING MY LIFE. I AM GOING BROKE RENTING. I REALLY NEED HELP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE. ILL MAKE SURE TO MONITOR MY CREDIT PROFILE FOR NOW ON.

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 2022-01-30 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: AL

Complaint narrative:
I AM A VICTIMOF IDENTITY THEFT. I WAS TRYING TO BUY A HOUSE AND MY REALTOR INFORMED ME OF ALL OF THESE FAKE ACCOUNTS. THEY ARE RUINING MY LIFE. I AM GOING BROKE RENTING. I REALLY NEED HELP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE. ILL MAKE SURE TO MONITOR MY CREDIT PROFILE FOR NOW ON.

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 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I've reached out to PNC 3 times via social media, online portal and call to get my acct to only have paperless statements but they still haven't changed this, thereby charging fees every month for paper statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Plaintiffs, XXXX XXXX, files the following action against Respondent ( s ) XXXX XXXX XXXX, Transunion, LLC and XXXX XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. 

FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. 


At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). 

All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. 

In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. 

Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. 

WHERFORE, plaintiff requests that the Consumer Financial protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. 

Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit..

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Plaintiffs, XXXX XXXX, files the following action against Respondent ( s ) XXXX XXXX XXXX, XXXX, XXXX and Experian XXXXnformation Solutions , Inc. et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. 

FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. 


At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). 

All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. 

In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XXXX XXXX XXXX  ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. 

Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. 

WHERFORE, plaintiff requests that the Consumer Financial protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. 

Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit..

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 2022-01-30 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with XXXX, XXXX and XXXX. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with XXXX, XXXX and XXXX showing an 83 % utilization rate. I contacted an Account XXXX and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous information.

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 2022-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
I am filing because I believe that I am very close to or have reached my 120 qualifying payments to get public loan forgiveness. I submitted my employment certification form to Fedloan Servicing at the end of XX/XX/XXXX but have still not seen them update my count with this form as well as applying what benefits I should be getting because of the PSLF waiver the Dept. of Education implemented in early XXXX. I am not 100 % sure if this is more of a delay with Fedloan or more of a delay with Dept. of Education, but I '' M desperate to see that this will be updated especially because this waiver is supposedly only in place until XXXX of XXXX. Any help on getting this addressed or moving more quickly would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I posted a dining table for sale on XXXX, XXXX XXXX. I was contacted via email and asked to text reply. There were 2 phone numbers from which I received/sent texts : ( XXXX ) XXXX and ( XXXX ) XXXX. The person bought the table and paid with a cashier 's check. I deposited it to my USAA bank account as listed above, and waited 24 hours, although my bank said the money was available immediately. The person wrote the check for {$1600.00} in excess of the cost of the table and asked me to pay movers to send it. They asked me to send money to the movers via XXXX. I had never used XXXX. I sent {$1000.00} via XXXX XXXX through my bank, USAA ) on XX/XX/21 to XXXX ( my account was limited to $ XXXX ) and then I sent {$600.00} via XXXX on XX/XX/21 to XXXX, for a total of {$1600.00}. I then noticed that the cashier 's check had bounced. I contacted my bank and was told that the cashier 's check was counterfeit. I did not know such a thing was possible. My bank ( USAA ) said they would inform XXXX and the recipient 's bank. About 10 days later USAA said the recipient 's bank declined to return my funds. I got a letter stating that the recipient 's bank account was frozen, and that per XXXX policy I need to work it out myself with the recipient. This is not possible with a criminal. I called my bank back and pointed out that XXXX policy forbids use of the service for illegal activities including fraud or scam, but my bank declined to take further action. I requested a copy of the info provided to XXXX and the recipients bank, so that I could be sure that they were informed of the fraud, but USAA never provided it. I also contacted XXXX, and XXXX had no information that USAA had ever tried to contact them, which is suspicious. I have not received a refund of my defrauded {$1600.00}, although I filed a complaint with my bank and I asked to speak with a XXXX. I called them 3 times. I have the scammer 's name, email, phone numbers, and counterfeit check, as well as the XXXX and USA transaction numbers, and the report of the frozen bank account of the recipient. I am hoping someone can help to refund my money. It is disturbing that there is NO policing of the XXXX wire transfer service by banks or XXXX. I have been a USAA member for 28 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: Synovus Bank
State: GA

Complaint narrative:
This account owned by COLUMBUS BANK & TRUST, Account # XXXX is a credit card that was opened fraudulently and disputed. They refuse to remove the account from XXXX and after directly sending them documentation and disputes via certifies USPS they have not responded in a timely manner. I have sent them numerous disputes containing my identifying information as well as details of my dispute and i continually get a generic response of them requesting I send documents that were INCLUDED in each of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: SC

Complaint narrative:
Every time western union page says wrong currency to force me to pay {$6.00} charge, sending over to western union cash pick up it never allow me to pay over bank account even I put the bank account I want all those {$6.00} charge back please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: NC

Complaint narrative:
XXXX XXXX and Experian refuse to recognize that XXXX XXXX XXXX, where I live address is XXXX XXXX  XXXX XXXX, XXXX XXXX I am also and also have a irrevocable trust Owner : XXXX XXXX XXXX XXXX XXXX where are serve as Sole Proprietor : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Property description : duplex Property identifier XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX Like dimension XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX receive religious holistic therapy located address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX as a ordained missionary Please recognize I do business this way and I have titles to my name 's that I have really to legal names my birth name and my DBA both are my legal namelegal this is my legal name one of them because is a lleage DBA

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account owned by XXXX XXXX XXXX XXXX, Account # XXXX is a credit card that was opened fraudulently and disputed. They refuse to remove the account from Experian and after directly sending them documentation and disputes via XXXX USPS they have not responded in a timely manner. I have sent them numerous disputes containing my identifying information as well as details of my dispute and i continually get a generic response of them requesting I send documents that were INCLUDED in each of my letters.

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