vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/2022 at approximately XXXX I contacted XXXX and asked them why my credit report on their site XXXX XXXX own site, did not have my consumer statement. I wanted to also find out for sure if my report could be updated " immediately '' as they said numerous times in many ways can not happen ever. Yet the comments went in right away from Transunion a few minutes before I was speaking with a representative about why they were not showing up in XXXX XXXX credit report for me. They did show up on the accurate and probably true credit report that these agencies keep on us secretly or whatever as the agent read it to me, but it wasn't on my site, I have a screenshot at similar time. XXXX is important and consumers should have all of it. 
This is over a {$18.00} 30 day overdue reported by XXXX to the agencies and subsequent charging me {$2.00} without informing me at all of this {$18.00}, the overages as they were being charged in any way or the reporting. I found out from the free XXXX report and now I am on the path to trying to right this wrong XXXX and the agencies have collectively assigned me due to their broken and unfair system to put people who seemingly have good credit, to having bad credit so we can pay more interest and pay more fees, that is stealing! They should not be allowed to do this and should remove XXXX from my credit report and any and all derogatory remarks forever. They are costing me not only personal damage but my brand new american business a lot of damage too!

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 2022-03-26 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
on XX/XX/2022 at approximately XXXX I contacted Equifax and asked them why my credit report on their site Equifax 's own site, did not have my consumer statement. I wanted to also find out for sure if my report could be updated " immediately '' as they said numerous times in many ways can not happen ever. Yet the comments went in right away from XXXX a few minutes before I was speaking with a representative about why they were not showing up in Equifax 's credit report for me. They did show up on the accurate and probably true credit report that these agencies keep on us secretly or whatever as the agent read it to me, but it wasn't on my site, I have a screenshot at similar time. XXXX is important and consumers should have all of it. 
This is over a {$18.00} 30 day overdue reported by XXXX to the agencies and subsequent charging me {$2.00} without informing me at all of this {$18.00}, the overages as they were being charged in any way or the reporting. I found out from the free equifax report and now I am on the path to trying to right this wrong XXXX and the agencies have collectively assigned me due to their broken and unfair system to put people who seemingly have good credit, to having bad credit so we can pay more interest and pay more fees, that is stealing! They should not be allowed to do this and should remove XXXX from my credit report and any and all derogatory remarks forever. They are costing me not only personal damage but my brand new american business a lot of damage too!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XX/XX/2022 at approximately XXXX I contacted XXXX and asked them why my credit report on their site XXXX XXXX own site, did not have my consumer statement. I wanted to also find out for sure if my report could be updated " immediately '' as they said numerous times in many ways can not happen ever. Yet the comments went in right away from XXXX a few minutes before I was speaking with a representative about why they were not showing up in XXXXXXXX XXXX credit report for me. They did show up on the accurate and probably true credit report that these agencies keep on us secretly or whatever as the agent read it to me, but it wasn't on my site, I have a screenshot at similar time. XXXX is important and consumers should have all of it. 
This is over a {$18.00} 30 day overdue reported by XXXX to the agencies and subsequent charging me {$2.00} without informing me at all of this {$18.00}, the overages as they were being charged in any way or the reporting. I found out from the free XXXX report and now I am on the path to trying to right this wrong XXXX and the agencies have collectively assigned me due to their broken and unfair system to put people who seemingly have good credit, to having bad credit so we can pay more interest and pay more fees, that is stealing! They should not be allowed to do this and should remove XXXX from my credit report and any and all derogatory remarks forever. They are costing me not only personal damage but my brand new american business a lot of damage too!

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 2022-03-26 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: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
Hard inquiry from ALLY FINANCIAL that happened without my consent, and to a large extent. XX/XX/2022 XXXX unrecognized hard pulls. 
XXXX XXXX XXXX XXXX 2 hard inquires I was no aware of. 
XXXX 3 unrecognized hard pulls. 
XXXX XXXX XXXX  Hard inquiry reported on my credit profile without my approval. 
XXXX XXXX- unapproved hard inquiry reported on my account XXXX XXXX XXXX XXXX XXXX unapproved hard inquiry on my account XXXX XXXX XXXX hard inquiry on my profile without my consent

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 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I am attempting to determine why Chase Bank placed a 14-calendar day hold on a remote deposit check in the amount of {$220.00}. The check cleared through the ACH network the same night the remote deposit was made. Chase indicates they are doing this to ensure the availability of funds and when I asked a rep I was told " because we can '' as the reason with no further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
In reference to CFPB claim XXXX and the documentation, I received on XX/XX/2022. The documents are unresponsive to my demand. I requested proof that I owe Eastern Account Systems, Inc. money. However, the documentation sent to me refers to an Internet, TV, and Phone company named XXXX. I sent a letter to Eastern Account Systtem , Inc. on XXXX, requesting they provide me evidence that I owe Eastern Account Systems, Inc. money. If they can not provide such documentation, they should remove the erroneous collection from my credit file with XXXX and XXXX. They chose to ignore this letter and did not respond. I am now invoking my right to have the account this erroneous collection removed/deleted from my credit file with XXXX and XXXX. I have not been provided proper documentation showing that I owe Eastern Account Systems, Inc. anything, and they have not responded to my letter for over 45 days.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CAPITAL ONE IS USING A 2 OLD MONTH CREDIT REPORT AND DENY ME A CREDIT INCREASE ( THEY DONT CHECK ON THE NEW ONE )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Approximately 60 plus days ago ( on or mid XX/XX/2022 ), I spoke to and submitted required documentations and filled out proper information to apply for a short term loan on a single family house ( House A ) that had no debt.

The reason was that a we needed cash for closing on a new purchase of a home in another state. ( House B ) The amount needed for cash at closing was a {>= $1,000,000}. 

{$400000.00} was needed for a down payment. These funds came from a HELOC ( House A ) House A appraised by lender in question was {>= $1,000,000}, the amount of the loan would be approximately {$700000.00}. The lender in question knew from day one, that this amount would be paid off when House A was sold in the next 12 months.

From the 1st day ( and documented with many e-mail chains ), The lender was very well aware that the loan for House B was being secured by another lender.

Last Week the lender in question promoted that they would like to loan on House A and House B. This lender interest rate was about 1 % more than the lender that was already in place for House B.

As mentioned, this lender knew from day ONE, the need for a short term loan AND that the lender in place for House B had a lower interest rate. 

We go through almost 60 days and lender in question wants to loan on " both '' houses and even made the comment " better to have both loans under XXXX roof '' ( backed up by e-mail. 
The lender in question KNEW that their interest rate was higher and knew very well the loan to debt ratio .... this is the lenders comment " I realize that is an incredible deal, would you give me the opportunity to match XXXX. If you can provide the documentation, I will take it to my management team and see what we can do to keep all your banking under one roof. '' When I said I will keep the lender for House B, a day later an email said " can not do the loan '' The lender in question supervisor also sent a email supporting the loan denial for " reasons '' There is a long email chain backing up statements and " killed '' the loan on House A when I said I would stay with other lender on House B They knew very well from day ONE about debt ratio and it as NEVER a problem until I said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX, XXXX and XXXX XXXX 15U.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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
My mortgage servicing bank ( BB & T ) was purchased by TRUIST bank and since that time I have received no correspondence. TRUIST has failed to deliver my 1098-B for the XXXX tax year, they've failed to deliver any documentation to my address. When I call their customer service ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX x2 ) to verify my address and correct it on file, I'm told documentation will be sent but it never does.

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 2022-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
My payments were originally due on the XXXX of every month. I made my payment on XX/XX/XXXX and attempted to change my payment towards the XXXXXXXX XXXX of the month. The ONLY option was the date XX/XX/XXXX. Apparently I selected that date in error which made an additional payment due again on XX/XX/XXXX. I tried to call immediately and get it corrected it am unable to get it resolved and was told I would need to make double payments every month to prevent from being reported as late to the credit bureaus for the duration of the 36 month contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: FL

Complaint narrative:
I requested that the company XXXXXXXX XXXX XXXXXXXX, XXXX provide me with documentation that I owe them the debt that they are collecting for on TransUnion and XXXX. I have sent a response to them in reference to the documentation they provided on XX/XX/2022. They did not respond to this letter and have chosen to ignore the matter while still reporting erroneous information to my credit files with TransUnion and XXXX. I request that TransUnion and XXXX effectively remove this collection from my respective reports as they have failed to respond appropriately to my request on XX/XX/2022 and are violating the FCRA by doing so. See below for the claim I have submitted to XXXX XXXX  XXXX XXXX XXXX through the CFPB XX/XX/2022. 

In reference to CFPB claim XXXX and the documentation, I received on XX/XX/2022. The documents are unresponsive to my demand. I requested proof that I owe XXXX XXXX  XXXX, XXXX money. However, the documentation sent to me refers to an Internet, TV, and Phone company named XXXX. I sent a letter to XXXX XXXX  XXXX XXXX XXXX on XXXX, requesting they provide me evidence that I owe XXXX XXXX XXXX, XXXX money. If they can not provide such documentation, they should remove the erroneous collection from my credit file with TransUnion and XXXX. They chose to ignore this letter and did not respond. I am now invoking my right to have the account this erroneous collection removed/deleted from my credit file with TransUnion and XXXX. I have not been provided proper documentation showing that I owe XXXX XXXX  XXXX, XXXX anything, and they have not responded to my letter for over 45 days.

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 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
someone used my identity to open an account with XXXX XXXX XXXX XXXX out of XXXX Texas. I have never lived or visited XXXX Texas, the address in question is XXXX XXXX XXXX, XXXX Texas XXXX. I have contact the collection agency ( Transworld Systems ) XXXX XXXX XXXX onXXXX XXXX and the Federal Trade Commission on XXXX XX/XX/2022. Transworld Systems case number is XXXX, Federal trade commission report number is XXXX this obliviously fraud committed against me, and I would like this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Heartland Resolution Group, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I received a debt bill on XXXX XXXX tthe date from the heartland reservation group for XXXX XXXX XXXX the original creditor be in XXXX XXXX  they are trying to send me a bill for {$53.00} from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My mortgage with Mr Cooper ( a.k.a. Nationstar Mortgage ) has yet to receive a 1098 for 2021. My loan # is XXXX. I have contacted their customer service call center numerous times and had three " cases '' opened to request the 1098, all without successful resolution. The case numbers were XXXX, XXXX, and XXXX. As of XX/XX/XXXX, neither the mortgage portal shows my 1098 nor have I received one via USPS mail. To be explicit, the missing 1098 from loan # XXXX should include interest for about XX/XX/2021- XX/XX/2021. The loan was then refinanced and I received a XXXX for the new mortgage, but not yet for this prior one. As I have reached out multiple times, the interest amount is over the {$600.00} IRS requirement, and Mr Cooper is still unable to produce the required document, I request assistance in resolving this. This is not the first issue I've had with Mr Cooper and it is sad that I have now opened up three CFPB complaints to try and resolve simple issues that Mr Cooper 's support process seems unable or is unwilling to resolve. These have not been weird esoteric issues, so it is surprising that an organization has such issues in processing the seemingly simple requirements of being a mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
I am attempting to refinance my mortgage ; however, my current mortgage servicer, Planet Home Landing, reported that I was delinquent with a late payment in XX/XX/2021, but that payment was in fact made and drafted from my bank. I have the bank statement referencing that the payment was made. Because of this alleged " late payment '', I am unable to qualify for any refinancing options and it is affecting my credit standing. I am experiencing severe financial hardship and every attempt I make to refinance the mortgage is not successful because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: CA

Complaint narrative:
Inhave sent the following information to my lender multiple time since XX/XX/2022 and no one will respond to me or fix my credit report : I am writing to appeal the decision not to remove the late from my credit report. We have provided information to show the 1 late payment in XXXX was a bank error and not for lack of funds. I own a law practice and this late will have enormous financial consequences for me. As a trusted client, I would hope that my lender would make the right decision in this situation./ If there was ever a reason to make a correction to a credit report of one of your customer I would think this would be it. Please let me know what I need to do to appeal or re-request consideration. I will not cease my attempts to correct this until the right thing happens. Theres too much at stake and it is just not right.

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 2022-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
Hard inquiry from XXXX XXXX that happened without my consent, and to a large extent. XX/XX/2022 XXXX unrecognized hard pulls. 
CAPITAL ONE AUTO FINANCE 2 hard inquires I was no aware of. 
XXXX 3 unrecognized hard pulls. 
XXXX XXXX XXXX Hard inquiry reported on my credit profile without my approval. 
XXXX XXXX- unapproved hard inquiry reported on my account XXXX XXXX XXXX XXXX XXXX unapproved hard inquiry on my account XXXX XXXX XXXX hard inquiry on my profile without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: TRUIST FINANCIAL CORPORATION
State: ND

Complaint narrative:
I have hard inquires on my credit report that are not mine. These are the companies reporting false information 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